PENGARUH LDR, CAR, LAR, LOAN GROWTH DAN ASSET GROWTH TERHADAP NPL (Studi Kasus pada Perbankan Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2013-2017)

Abstract

The aim of this study is to analyze the effect of Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Loan to Asset Ratio (LAR), Loan Growth, and Asset Growth of the banking Non-performing Loan (NPL). The population of this study is the conventional banks listed on Indonesia Stock Exchange in 2013-2017 period. The sampling technique used is purposive sampling. The amount of population and sample of this study is the same, which is 42 banks. The data of this study were obtained from the bank’s annual report. The analytical method used is multiple linear regression which includes test of determination coefficient, hypothesis test (t test and f test), and classical assumption test processed using software IBM SPSS version 25. The test results of this study showed that the five independent variables have significant effect on the Non-performing Loan of banks, shown by R2 equal to 17% and 83% others influenced by other variables not included in this study. The result of partial hypothesis test showed that Loan Growth have negative and significant effect on NPL, Asset Growth have positive and significant effect on NPL, while LDR, CAR, LAR are not significant to NPL.