Faktor Penentu Non Performing Loan Perbankan BUKU II Terdaftar di Bursa Efek Indonesia
Abstract
Sektor perbankan memiliki peran penting dalam pertumbuhan ekonomi negara. Pinjaman yang disalurkan
kepada debitur adalah aset yang perlu dikelola dengan baik sehingga Non Performing Loans (NPL) tidak
meningkat. NPL menjadi salah satu acuan penting pengukuran kinerja suatu bank. Penelitian ini bertujuan
untuk mengetahui dan menganalisis pengaruh Capital Adequacy Ratio (CAR), Net Interest Margin
(NIM), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Return on Asset (ROA),
Pertumbuhan Pinjaman, dan Bunga Rate (BI Rate) terhadap NPL. Sampel penelitian adalah 15 bank
BUKU II yang memenuhi kriteria sampel berdasarkan purposive sampling. Penelitian dilakukan pada
periode 2013-2017. Metode analisis yang digunakan adalah regresi berganda data panel yang hasil tes
model terbaiknya adalah Random Effect. Hasil penelitian menunjukkan bahwa ROA dan Pertumbuhan
Pinjaman berpengaruh negatif signifikan terhadap NPL, BOPO berpengaruh negatif tetapi tidak signifikan
terhadap NPL, sedangkan NIM, CAR, Inflasi, dan Suku Bunga (BI Rate) memiliki pengaruh positif tetapi
tidak signifikan terhadap NPL
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