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Journal articles on the topic 'Non-Performance Loans (NPL)'

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Published: 4 June 2025
Last updated: 1 August 2025

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1

Fatin, Ragil Latifah, Toni Andrianto, and Aang Munawar. "Analisis Kinerja Keuangan Melalui Rasio Non Performing Loan pada PT BPR Mitra Daya Mandiri." Jurnal Aplikasi Bisnis Kesatuan 4, no. 3 (2024): 477–86. http://dx.doi.org/10.37641/jabkes.v4i3.2842.

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Financial report analysis is very necessary for companies so that financial reports are easier to understand and comprehend by various users of financial reports in making decisions. In the analysis of financial reports will produce a measurement of financial performance in the company in a certain period, to measure financial performance can use financial ratios.To measure financial performance against non-performing loans (doubtful, substandard, bad) can use the Non Performing Loan (NPL) ratio. The Non Performing Loan (NPL) ratio contains the amount of non-performing loans (doubtful, substan
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2

Bhowmik, Probir Kumar, and Niluthpaul Sarker. "Non-performing loans (NPLs) and non-performance: evidence from South Asian banks." International Journal of Research in Business and Social Science (2147- 4478) 13, no. 2 (2024): 197–206. http://dx.doi.org/10.20525/ijrbs.v13i2.3235.

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This paper examines the consequences of banks’ performance on bank risk. The paper forms a theoretical model and delivers empirical evidence to identify that banks suffer in performance as the loans become bad. Using panel data from a sample of five (05) South-Asian emerging economies from 2011 to 2019, we have found that the banks are highly influenced by the development of non-performing loans (NPLs). We have primarily used Return on Asset (ROA) followed by Return on Equity (ROE) as a substitution to the performance of the banks and NPL as the proxy of bank risk. Simultaneous regression appl
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3

Bi Rahmani, Nur Ahmadi. "ANALISIS PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO, BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP KINERJA KEUANGAN PADA BANK UMUM SYARIAH." Dinamika Akuntansi Keuangan dan Perbankan 11, no. 1 (2022): 22–30. http://dx.doi.org/10.35315/dakp.v11i1.8950.

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This study aims to determine and analyze the effect of non-performing loans (NPL), loan to deposit ratio (LDR), operational costs on operating income (BOPO) on financial performance at Islamic commercial banks for the period 2015 to 2020. The approach uses a quantitative approach with . The type of data used in this study is quantitative data sourced from secondary data. The data collection technique in this study used a documentation study. The data analysis used is multiple linear regression with the results of this study showing that the NPL of non-performing loans has an effect on the Fina
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Sanjoy, Kumar Sarker. "A COMPARATIVE ANALYSIS ON NON-PERFORMING LOANS (NPLs) IN THE BANKING SECTORS OF BANGLADESH." International Journal of Research - Granthaalayah 7, no. 1 (2019): 297–314. https://doi.org/10.5281/zenodo.2555325.

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The aims of this study is to be analyzed the comparative position of all the fours banking categories on non-performing loans in Bangladesh and also investigate what are the different causes of nonperforming loans in banking sectors of Bangladesh. This study will cover based on secondary data, which has been collected from the annual reports of the Bangladesh Bank during the 2006-2017 for 12 years and total NPL, NPL to Total Loans ratio and Trends of net NPL to total loans ratio are taken as variables of the study. The data are analyzed by using descriptive Statistics, ANOVA Test and the Test
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5

Susilo, Lilik, and Bambang Sugeng Dwiyanto. "Pengaruh kinerja keuangan terhadap harga saham, studi kasus pada PT Bank Mandiri (persero) tbk." Journal of Tourism and Economic 6, no. 1 (2023): 105–21. http://dx.doi.org/10.36594/jtec.v6i1.191.

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This study aims to analyze the effect of financial performance on stock prices at PT Bank Mandiri (Persero) Tbk for the period 2017-2021. The independent variables used in this study are financial performance, namely Capital Adequacy Ratio (CAR), Return On Assets (ROA), Return On Equity (ROE), Loan to Deposit Ratio (LDR), Non Performing Loans (NPL), and Operational Expenditure to Operating Income (BOPO) and Stock Price as the dependent variable. The analytical method used is multiple regression analysis using SPSS 21. The results show that Return On Equity (ROE) partially has a negative and si
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Lilik Susilo and Bambang Sugeng Dwiyanto. "Pengaruh kinerja keuangan terhadap harga saham, studi kasus pada PT Bank Mandiri (persero) tbk." Journal Of Tourism And Economics 6, no. 1 (2024): 105–21. http://dx.doi.org/10.36594/jtec/e6v6n1a9.

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This study aims to analyze the effect of financial performance on stock prices at PT Bank Mandiri (Persero) Tbk for the period 2017-2021. The independent variables used in this study are financial performance, namely Capital Adequacy Ratio (CAR), Return On Assets (ROA), Return On Equity (ROE), Loan to Deposit Ratio (LDR), Non Performing Loans (NPL), and Operational Expenditure to Operating Income (BOPO) and Stock Price as the dependent variable. The analytical method used is multiple regression analysis using SPSS 21. The results show that Return On Equity (ROE) partially has a negative and si
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7

Sochib, Sochib, Fetri Setya Liyundira, and Ani Yulianti. "The Effect of LDR, NPL, CAR on Return on Asset of Conventional National Commercial Bank in Indonesia." International Journal of Accounting and Management Research 3, no. 2 (2023): 51–59. http://dx.doi.org/10.30741/ijamr.v4i1.1104.

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Loan distribution is measured by the Loan to Deposit Ratio (LDR) and effective credit management to maintain credit collectability is measured by Non-Performance Loans (NPL). Besides that, the adequacy of the minimum capital provision is measured by a good Capital Adequacy Ratio (CAR). The purpose of this study is to prove the effect of LDR, NPL and CAR on Return on Assets (ROA). Do LDR, NPL and CAR have an effect on ROA in the 2017 to 2021 research period. The population for this study takes conventional national commercial bank entities in Indonesia during the 2017-2021 period. By using purp
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8

Trinugroho, Irwan, Fadli Septianto, Etikah Karyani, et al. "Non-Performing Loans and Bank Performance: Does Institutional Quality Matter?" International Journal of Economics and Management 19, no. 19 (2025): 85–98. https://doi.org/10.47836/ijeam.19.1.06.

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This study investigates how bank non-performing loans (NPL) affect bank performance and the role of institutional quality in mitigating this impact. Employing ASEAN commercial bank data from 2011 to 2022, we employ panel fixed effects as our main regression method and adopt a stochastic frontier analysis and measure bank performance using bank efficiency. We find that NPL negatively influence bank performance. Furthermore, among institutional quality indicators, regulatory quality, corruption control, and voice and accountability have significant positive effects on bank performance, particula
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9

Islam, Mohammad Ebadul, and Shakila Yasmin. "Determinants of Non-Performing Loans (NPLS) of The Commercial Banks in Bangladesh: An Application of Camel Model." Social Science Review 38, no. 2 (2023): 71–89. http://dx.doi.org/10.3329/ssr.v38i2.64461.

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The loan portfolio represents a significant portion of a bank’s total assets. This asset generates interest income, which is a measurement of bank’s financial performance and stability. Non-performing loans (NPLs) are those loans that default on paying interest or principal. Hence, NPL ratio is one of the important indicators of a bank’s performance. In order to ensure good performance, a thorough understanding of NPL ratios and factors that affect NPL are necessary. This research evaluates NPL ratio in the Banking sector of Bangladesh and the relationship among the variables of CAMEL (capital
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10

Faruk, Mohammad Omar. "Applicability of Loan Securitization for Solving NonPerforming Loans’ Problems in Bangladeshi Commercial Bank." EAST WEST JOURNAL OF BUSINESS AND SOCIAL STUDIES 5 (August 20, 2016): 38–55. http://dx.doi.org/10.70527/ewjbss.v5i.110.

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Non-performing loan (NPL) is one of the most influential factors for lowering the overall performance of any bank or financial institution which immediately impacts on overall activities of a bank including liquidity, stability and profitability. The securitization is, an innovative financial product, being used in many developed and developing countries as a better solution for the NPL problem. This paper lays out a proposal of how asset securitization against the NPL of a bank can be introduced in Bangladesh. This securitization can introduce a new financial market in the economy where the w
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11

Atisu, Jerome Christopher, Nicholas Mensah, Stanley Agbenya Alipoe, and Saaka Abbul Rahman. "The Effect Of Non-Performing Loans On The Financial Performance Of Commercial Banks In Ghana." IOSR Journal of Economics and Finance 15, no. 5 (2024): 42–48. http://dx.doi.org/10.9790/5933-1505054248.

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Non-performing loans (NPLs) are considered financial pollution as a result of their high risk and effect on the profitability and liquidity of banks. The study examines the effect of non-performing loans on the financial performance of commercial banks in Ghana. The study is guided by the following research objectives: examining the level of NPLs of commercial banks in Ghana, examining the relationship between loan-to-deposit ratio and profitability and determining the relationship between NPLs and the financial performance of selected commercial banks. The data for this study was obtained fro
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12

Lubis, Tona Aurora, Asep Machpuddin, and Agil Muharya. "DOES PRICE COMMODITY PALM OIL, RUBBER AND NON PERFORMING LOAN (NPL) AFFECT ON FINANCIAL PERFORMANCE." JOURNAL OF BUSINESS STUDIES AND MANGEMENT REVIEW 1, no. 1 (2017): 10–17. http://dx.doi.org/10.22437/jb.v1i1.3916.

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The purpose of this study was to analyze the effect of commodity prices of rubber and palm oil, as well as Non Performing Loan (NPL) on financial performance (return on assets (ROA)) PT. Bank BRI Agro Tbk, either partially or simultaneously. Data used is secondary data, where data commodity prices of rubber and palm oil obtained from the Directorate General of Plantation while data on financial performance (return on assets (ROA)) obtained from the Annual report 2015 AGRO Bank BRI. The data were analyzed using multiple linear regression techniques. Results of statistical t test proves that par
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13

Suryanto, Alda Emilia, and Imronudin Imronudin. "Influence of Credit Risk Management and Specific Bank Factors on Financial Performance in Publicly Listed Banks." Journal La Sociale 5, no. 2 (2024): 342–58. http://dx.doi.org/10.37899/journal-la-sociale.v5i2.1072.

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This research is motivated by financial problems which are a period of conflict in the banking or financial sector. Among all the world's continents, Asia is the most crucial continent and contributes 60% of world growth but faces the problem of high non-performing loans (NPL). As is known, a high NPL ratio will weaken the country's economy or financial position. Therefore, the research was conducted in Indonesia. Two credit risk systems are used in this research: NPL and capital adequacy ratio (CAR). Apart from that, this research also includes bank-specific factors to improve financial perfo
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14

Muniru, Sewanyina, Nyambane David, Ongesa Tom, and Manyange Michael. "Does Board Accountability Influence non-performing loans of commercial banks? Empirical Evidence from Commercial Banks in Western Uganda." NEWPORT INTERNATIONAL JOURNAL OF CURRENT RESEARCH IN HUMANITIES AND SOCIAL SCIENCES 5, no. 1 (2025): 43–50. https://doi.org/10.59298/nijcrhss/2025/5.1.435000.

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Non-performing loans have been an issue that affects the performance of commercial banks across the globe. Using Agency theory to examine the influence of board accountability and Non-performing Loans of commercial banks in Western Uganda. A mixed method approach (Quantitative supported by Qualitative) was adopted. A sample of 232 respondents was drawn from a population of 550 people using stratified, purposive, and simple random sampling approaches. 195 respondents were responsive from 3 commercial banks which yielded an 84.1% response rate. The hypotheses were tested and revealed significant
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15

Hasan, Rashedul, Mohammad Kabir Hassan, and Jiayuan Tian. "DO POLITICALLY CONNECTED BANKS PERFORM BETTER IN A DEMOCRATIC ENVIRONMENT?" Journal of Central Banking Law and Institutions 3, no. 2 (2024): 239–60. http://dx.doi.org/10.21098/jcli.v3i2.173.

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This paper elucidates the intricate relationship among bank performance, political connections, and the democratic environment. The existing body of evidence is notably limited in illustrating the impact of a democratic environment on bank performance. Our study examines a sample of 397 banks spanning 14 countries and districts, encompassing both politically affiliated and non-politically affiliated banks in both democratic and non-democratic settings. The empirical findings reveal a reduction in non-performing loans but an escalation in loan loss provision within a democratic environment. Thi
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16

Debora, Devi Pascha, and Handra Tipa. "Analisis Rasio Keuangan terhadap Kinera Keuangan pada Bank Perkreditan Rakyat di Kota Batam." Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 6, no. 2 (2023): 2176–92. http://dx.doi.org/10.47467/alkharaj.v6i2.4815.

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Rural Banks are a financial institution that plays a role in the community's economy by collecting excess funds from the public and lending them to people who need funds. Every company, both bank and non-bank, reports at a certain time the company's financial performance in the form of annual financial reports. Financial statements show the financial performance of a company in running its business, what are the weaknesses and strengths of the company. The company's financial performance is a representation of the company's financial position over a certain period of time. Banks with good fina
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17

Soelistyoningrum, Jenia Nur, Marita Marcelya, and Novinda Krisna Putri. "Exploring Financial Approaches to Evaluate Commercial Bank Profitability: An Empirical Analysis on Capital Adequacy Ratio, Loan Deposit Ratio and Non-Performing Loans." Journal of Management and Business Environment (JMBE) 5, no. 1 (2023): 65–84. http://dx.doi.org/10.24167/jmbe.v5i1.10119.

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Banking is a high-risk industry since it is responsible for managing public assets and investing them in securities or loans. As a result, assessing commercial bank performance is critical for understanding their health and efficiency. A financial approach is used to assess credit risk, liquidity, and bank adequacy in accordance to the requirements of Financial Service Authority (OJK). This research aims to determine the impact of the Capital Adequacy Ratio (CAR), Loan Deposit Ratio (LDR), and Non-Performing Loans (NPL) on bank’s performance in 2017-2019. Using the purposive sampling technique
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18

OLUMIDE, KELVIN ODEBODE, TOM EZI CHUKWUGOZIEM, and OZOFERE ISHIORO BERNHARD. "Effects of non-performing loans on return on equity of selected commercial banks in Nigeria." World Journal of Advanced Research and Reviews 21, no. 1 (2024): 2599–608. https://doi.org/10.5281/zenodo.13377686.

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The study examined the effect of Non-Performing Loans (NPL) on return on equity (ROE) of selected Commercial Banks in Nigeria covering the period 2010 - 2021 with special emphasis on Fidelity Bank, Union Bank and Wema Bank Plc. It specifically determined the effect of non-performing loans (NPL) and Bank Size (SIZE) on the profitable of commercial banks measured by Return on Equity (ROE). The study utilized secondary data obtained from the annual financial report and accounts of the selected commercial banks in Nigeria for the period of study. The data were analyzed using panel least square met
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Sumunar, Kurnia Indah, Dyah Ayu Anggraheni, and Mutiara Kemala Ratu. "ERM Implementation and Non-Performing Loans Performance: Comparison between Islamic Bank and Conventional Bank." Journal of Islamic Economics and Social Science (JIESS) 1, no. 2 (2020): 49. http://dx.doi.org/10.22441/jiess.2020.v1i2.001.

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There are different characteristics between islamic banking and conventional banking that cause a variety of questions, including the implementation of ERM. This study focuses on the effect of ERM implementation on NPL performance of banking, If the implementation of ERM is good, so the performance of NPL will also better. This study investigate the effect of ERM implementation on NPL performance on islamic banking and conventional banking. This study also investigate a different test level of ERM implementation that affect NPL on each type of banking. The sample consisted of 30 conventional b
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Arif, Ahammed, and Saha Sabuj. "Firm-specific Financial Determinants of Non-Performing Loan in the Banking Sector of Developing Countries: Evidence from the Listed Commercial Banks in Bangladesh." Journal of Economics and Business 1, no. 4 (2018): 555–63. https://doi.org/10.31014/aior.1992.01.04.49.

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This article aims at finding the financial determinants of Non-performing Loans (NPL) in the banking sector of Bangladesh. It employs panel data analysis techniques to find those determinants and the extent of their impact on NPL. It collects data from 2012 to 2016(total 5 years) of 10 listed commercial banks in Bangladesh from their annual report. It finds that Capital Adequacy Ratio (CAR) and Return on Equity (ROE) are significantly negatively related to NPL where Size(S) is a significant positive determinant of NPL. It also finds that Loan growth (LG) is positive determinants of NPL where L
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Elrachma, Zafirah Firdausi, and Wiwik Hidajah Ekowati. "DETERMINAN KINERJA KEUANGAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2017-2021." Reviu Akuntansi, Keuangan, dan Sistem Informasi 3, no. 1 (2023): 219–32. http://dx.doi.org/10.21776/reaksi.2024.3.1.140.

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This study aims to obtain empirical evidence of the effect of financial ratio factors including Non-Performing Loans (NPL), Loan Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and size of the bank on financial performance. The study population involves conventional general banking sub-sector companies listed on the Indonesia Stock Exchange (IDX) between 2017 and 2021, from which the samples of 40 companies are selected through purposive sampling method and consist of 186 data analyzed by multiple regression utilizing SPSS 26 software. The results exhibited that the Non-Performing Loan (NPL
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Anshori, Syaiful, Ainorrofiqie Ainorrofiqie, Nurul Hidayat, Hertin Khalifatun Nisa Arifah, and Rahmat Zulkarnain. "Financial Performance Management at PT Bank Rakyat Indonesia (Persero) Tbk Period 2018 - 2022." Journal of Management, Accounting, and Administration 2, no. 1 (2025): 41–48. https://doi.org/10.52620/jomaa.v2i1.186.

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Bank financial institutions are one of the important factors for a country's economy which functions as a collector and channeler of public funds. The bank's ability to increase overall efficiency and generate profits is a reflection of the bank's good financial performance management. This research aims to analyze financial performance management at PT Bank Rakyat Indonesia (Persero) Tbk. 2018-2022 period, by analyzing the influence of Operational Costs on Operating Income (BOPO), Non-Performing Loans (NPL) And Loans deposit Ratio (LDR) to Return On Assets (ROA). The data used in this researc
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23

Pandiangan, Deka Gustina, Ihsan Effendi, and Adelina Lubis. "Analisis Perbandingan Kinerja Keuangan Bank dalam Masa Pandemi Covid 19." Economics, Business and Management Science Journal 2, no. 1 (2022): 49–56. http://dx.doi.org/10.34007/ebmsj.v2i1.228.

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During the pandemic period, the banking industry is expected to have an impact on the economic waves that occurred in Indonesia. The Indonesian financial system can be distinguished from conventional and Islamic financial systems. This study aims to determine the differences in the ratios of Islamic Commercial Banks (BUS) and Conventional Commercial Banks, including Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Return ON Assets (ROA), Operating Expenses and Operating Income (BOPO) and Loans. to Deposit Ratio (LDR) for the last 4 years. Comparison of the performance of financial rat
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Sochib, Sochib. "Effect of LDR, NPL, CAR on Return on Asset of Conventional National Commercial Bank in Indonesia." International Journal of Accounting and Management Research 4, no. 2 (2023): 85–93. http://dx.doi.org/10.30741/ijamr.v3i1.1278.

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Every effort to increase company profits impacts the prosperity of investors as owners. Profit optimization involves aligning assets, particularly in banking, where key factors influencing profits include the bank's ability to allocate funds as credit and the management's proficiency in handling loans to maintain collectibility and ensure sufficient capital. Loan distribution is measured using the Loan to Deposit Ratio (LDR), while effective credit management is gauged by Non-Performance Loans (NPL). The adequacy of minimum capital provision is assessed by the Capital Adequacy Ratio (CAR). Thi
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Sadok, Hicham, and Mohamed El Hadi El Maknouzi. "Evaluation of the fintech era on the performance of Moroccan banks: analysis through non-performing loans." F1000Research 13 (January 27, 2025): 1365. https://doi.org/10.12688/f1000research.158024.2.

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Background This study aims to contribute to a better understanding of the impact of the financial technologies (fintech) era on the performance in the banking sector, measured through non-performing loans (NPL) and their coverage by provisions for NPL. It is a question of knowing whether banking investment in fintech makes it possible to better evaluate the granting of credits, and therefore makes it possible to reduce overdue credits. Methods To this end, the method used consists of using a regression analysis and a Pearson correlation applied to the financial data of Moroccan banks observed
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Retnowati, Muliani. "Analisis Pengaruh Kinerja Kredit terhadap Tingkat Profitabilitas Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Tahun 2016-2019." Jurnal Manajemen Bisnis dan Kewirausahaan 6, no. 2 (2022): 148. http://dx.doi.org/10.24912/jmbk.v6i2.17811.

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This study aims to analyze the effect of credit performance as measured by the Capital Adequacy Ratio (CAR), Loan to Deposit (LDR), and Non Performing Loans (NPL) on the level of profitability as measured by the Return on Assets (ROA) of conventional commercial banks listed in Indonesia Stock Exchange (IDX) 2016-2019. Sampling using non-probability sampling techniques and purposive sampling category resulted in 40 bank samples for the 2016-2019 period that met the criteria. The research was conducted using secondary data in the form of audited financial reports. The analytical method used is m
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Dr. Kasimati, Evangelia, Nuriya Kapralou, and Panagiota Kyriakopoulou. "Non-performing loans in the hotel industry: The case of Greece." Archives of Business Research 8, no. 7 (2020): 467–84. http://dx.doi.org/10.14738/abr.87.8718.

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Throughout the Greek economic crisis, the problem of rising stock of non-performing loans (NPLs)[1] gradually evolved into one of the most challenging structural deficiencies faced by the Greek banking sector. Despite outstanding performance of the Greek tourism sector, which over the last five years attracted record number of tourists each year, NPLs in the hotel sector remain widespread. The objective of this study is to identify macroeconomic factors and sector-specific characteristics, which led to NPL stock piling in Greek tourism sector. Our findings are supported by rare dataset on NPLs
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Putri, Weny, Feby Astrid Kesaulya, and Khairunnisa Khairunnisa. "Pengaruh Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap Kinerja Keuangan Perbankan." Global Financial Accounting Journal 5, no. 2 (2021): 148. http://dx.doi.org/10.37253/gfa.v5i2.6087.

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This study aims to identify whether financial ratios as measured by non-performing loans (NPL) and Loan To Deposit Ratio (LDR) have an effect on financial performance which is proxied by Net Interest Margin (NIM). The results of this study found that the level of bad loans or NPLs had a negative effect on financial performance. This is because the Bank's income does depend on the receipt of loan interest from the Customer. Meanwhile, LDR does not have a positive effect on financial performance with the assumption that a low LDR will cause the company's liquidity to increase and in the end it w
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Rezina, Sonia, Rubaiyat Shaimom Chowdhury, and Nusrat Jahan. "Non-Performing Loan in Bangladesh: A Comparative Study on the Islamic Banks and Conventional Banks." Indian Journal of Finance and Banking 4, no. 1 (2020): 76–83. http://dx.doi.org/10.46281/ijfb.v4i1.539.

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The banking business is one of the booming businesses in Bangladesh. But at present, the sector is struggling to be on the growth path due to the growing proportion of Non-Performing Loan (NPL). The NPL has instigated a negative influence on the growth of Banking Business. This study has compared the severity of the impact of operational modes between two mainstream banking systems, traditional banking and Islamic banking, which may affect Non-performing loans. Other variables such as governance of the banks, bureaucracy, and size of the banks, the difference in reserve ratio, capital adequacy
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Sanjida, Afrin. "The Effect of Non-performing Loans on Performance and Profitability: A Comparative Analysis from Banking Sector of Bangladesh." International Journal of Science and Business 4, no. 10 (2020): 16–26. https://doi.org/10.5281/zenodo.4019323.

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The purpose of this paper is to assess the intensity of ‘Non-performing Loan’ and its adverse impact on the performance and profitability of the banking sector of Bangladesh. A comparative scenario of state-owned commercial banks and private commercial banks have also been presented in this study. The foregoing discussion of NPL from the perspective of Bangladesh reveals that the amount of defaulted loans have reached an alarming position which degrades the banking industry and makes the economy stagnant. The comparative analysis showed that SOCBs have a higher amount of total NPL,
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Mwambuli, Erick, and Mariaclara Mbuya. "The Board of Directors’ Effectiveness on the Performance of Loans in Tanzania." Business and Management Horizons 10, no. 2 (2022): 17. http://dx.doi.org/10.5296/bmh.v10i2.20619.

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The study assessed the board of director’s effectiveness on the performance of loans in Tanzania. Four specific objectives guided the study as indicated by independent variables named board member’s independency, skills diversity, gender diversity and board meetings while loan performances measured by Non-Performing Loan (NPL) specified as dependent variable. Explanatory research design guided the study whereby the study selected sample of six (6) listed banks by using purposively sampling. The study found and concluded effectiveness of the board of directors is positive affecting performance
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Abdul Hadi1, Abdul Razak, Tulus Suryanto, and Eddy Yap Tat Hiung. "Bank Soundness and Sustainability-Evidence From Middle East, Indian Sub-Continent and African Banks." IKONOMIKA 3, no. 1 (2018): 97. http://dx.doi.org/10.24042/febi.v3i1.2550.

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ABSTRACTThe study is carried out with the objective of examining the effects of bank’s liquidity (LR), non-performing loans (NPL), capital adequacy ratio (CAR), loan growth (FEXP) and default risk premium (FQL) on bank’s performance as measured by return on assets (ROA) within the framework of Basel Committee on Banking Supervision.The financial intermediation theory of banking is reexamined to see how the current banking supervision safeguards the interest of depositors. Engaging pooled OLS as an estimation tool on 93 commercial banks in Middle East, Africa and Indian subcontinent over study
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Surya, Putu Pryanka Chitta, and Made Gede Wirakusuma. "Pengaruh Kinerja Keuangan dan Kebijakan Restrukturisasi Kredit pada Nilai Perusahaan Perbankan di Bursa Efek Indonesia." E-Jurnal Akuntansi 31, no. 6 (2021): 1494. http://dx.doi.org/10.24843/eja.2021.v31.i06.p11.

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This study aims to obtain empirical evidence of the effect of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and credit restructuring policies on the value of banking firms on the Indonesia Stock Exchange. The research was conducted by analyzing quarterly financial reports published on the Indonesia Stock Exchange website which contained information on banking financial performance ratios, credit restructuring policies, and company value using the PBV method. The Sampling method uses purposive sampling method. The data analysis technique uses multiple li
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Radu, Marius. "Credit Risk and (Influencing Factors of) Non-Performing Loans." International Journal of Sustainable Economies Management 10, no. 1 (2021): 57–82. http://dx.doi.org/10.4018/ijsem.2021010105.

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The main purpose of each banking institution is to operate profitably in order to maintain a stable and sustainable growth. However, the existence of high levels of non-performing loans (NPLs) in the banking industry negatively affects the level of private investment and limits the scope of bank credit to borrowers. It is a common consensus that the aggregate level of non-performing loans is associated with bank failure and financial erosion in both developing and developed countries. The dependent variable under investigation was the non-performing loans rate (NPL) used in a panel data model
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Hermawan, Atang. "Analysis of Dominant Factors And Financial Performance of BPD: Mediated Model of Non-Performing Credit." Neo Journal of economy and social humanities 2, no. 1 (2023): 31–39. http://dx.doi.org/10.56403/nejesh.v2i1.86.

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This study aims to find out and obtain the results of an analysis of the dominant factors both internal and external factors in the Financial Performance of Bank BPD with a non-performing loan mediated model. The method used in this research is descriptive and verification method. The sampling technique used saturated or census sampling to obtain a sample of 26 Regional Development Banks (BPD) from 2014 to 2018. The analytical method used is panel data regression with the pooled least squares approach. The results of the study show that the Capital Adequacy Ratio (CAR), Loan Asset Ratio (LAR),
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Akbar, Muhammad. "Analysis of the Effect of Capital Adequacy Ratio (Car), Non-Performing Loan (Npl), and Operating Cost Operating Income (Bopo), Net Interest Margin (Nim) to Loan to Deposit Ratio (Ldr) of State-Owned Banks in Indonesia." Journal of Social Research 2, no. 5 (2023): 1591–607. http://dx.doi.org/10.55324/josr.v2i5.868.

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A bank is an institution with a financial intermediation function that has the authority to raise public funds and also distribute money in the form of loans and other financial services. The purpose of this study is to analyze the effect of Capital Adequacy Ratio (CAR) on Loan to Deposit Ratio (LDR) at State-Owned Banks in Indonesia, 2015 – 2019 and to analyze the effect of Non-Performing Loans (NPL) on Loan to Deposit Ratio (LDR) at State-Owned Banks in Indonesia, 2015 – 2019. This study is a quantitative study. This study uses a hypothesis testing design which is a design aimed at testing t
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Marwati, Dinny, and Tina Sulistiyani. "PENGARUH RASIO CAMEL TERHADAP KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE 2010-2012." Jurnal Fokus Manajemen Bisnis 4, no. 1 (2014): 1. http://dx.doi.org/10.12928/fokus.v4i1.1343.

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This research is aimed to analyze and assess the effect of CAMEL ratio on the financial performance of Regional Development Banks in Indonesia. The independent variables used were Capital Adequancy Ratio (CAR), Non-Performing loans (NPL), Net Profit Margin(NPM), Return On Asset(ROA), and Loan to Deposit Ratio(LDR). Meanwhile, the dependent variable was financial performance viewd from the profit growth of the banks. Based on the result of the research, it is determined that partially, only ROA variable which significantly affects the Financial Performance of the Regional Development Banks in I
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Marouli, Alexandra Z., Eugenia N. Giannini, and Yannis D. Caloghirou. "A Non-Performing Loans (NPLs) Portfolio Pricing Model Based on Recovery Performance: The Case of Greece." Risks 11, no. 5 (2023): 96. http://dx.doi.org/10.3390/risks11050096.

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In this paper, a method was proposed for pricing NPL portfolios, which is currently a crucial point in the portfolio transactions between the banks and NPL servicers. The method was based on a simple mathematical model which simulated the collection process of the NPL portfolios considering the debtors’ behavioral response to various legal measures (phone calls, extrajudicial notices, court orders, and foreclosures). The model considered the recovery distribution over time and was applied successfully to the case of Greece. The model was also used to predict recovery, cost, and profit future c
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Hartanto, Dhanang, and Andam Dewi Syarif. "Determinants of Commercial Bank Performance with Guarantee Interest as Moderating Variables in Banks Listed on IDX 2016 – 2020." Journal of Sosial Science 3, no. 4 (2022): 882–97. http://dx.doi.org/10.46799/jss.v3i4.397.

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This study aims to analyze and examine the effect of the Efficiency Ratio (BOPO), Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR), Non-Performing Loan (NPL), Size (SIZE) with LPS Guarantee Interest Rate (SBP) as a moderating variable on the Return On Assets (ROA) of Commercial Banks listed on the Indonesia Stock Exchange for the 2016-2020 period. The sampling method used is purposive sampling, including the observation of 38 commercial banks listed on the Indonesia Stock Exchange from 2016 to 2020. The statistical analysis method used is a descriptive quantitative method with the typ
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Miranti, Rika Sherly, Ana Robi Walia, and Abdul Haris. "Earning Moderates the Influence of CAR, NPL, and BOPO on Company Value in Conventional Banks Listed on the IDX for the 2020-2022 Period." Devotion : Journal of Research and Community Service 5, no. 5 (2024): 538–47. http://dx.doi.org/10.59188/devotion.v5i5.716.

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The goal of research on traditional commercial banks listed on the Indonesia Stock Exchange (IDX) is to use earnings as a moderator to ascertain the impact of the capital adequacy ratio (CAR), non-performing loan (NPL), and BOPO on the value of the company. Variables This study uses a quantitative approach and sample data collection through purposive sampling. The samples obtained for this study are 69 samples that meet the standards of the Indonesia Stock Exchange (IDX) and financial statements for the 2020-2022 period. Classical hypothesis testing and moderate regression analysis (MRA) metho
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Isnaen, Fauzi, and Fauzan Akbar. "The Effect Of Car, Bopo Ratio, And Npl Ratio On The Profitability (Roe) Of Foreign Exchange Business In Indonesia (2012-2016 Period)." Journal of Social Science (JoSS) 1, no. 3 (2022): 116–25. https://doi.org/10.57185/joss.v1i3.35.

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Banking financial performance comes from several factors, namely that it is very important for a bank's capital to be achieved within the limits set by Bank Indonesia. The ratios that are quite significant in banking are the capital adequacy ratio (CAR), the BOPO Ratio, OJK explained that efficiency continues to be encouraged for banks so that they are able to reduce operational costs to operating income, as well as the ratio of non-performing loans or non-performing loans (NPL). . This study emphasizes the effect of CAR, BOPO ratio, and NPL ratio on the profitability of foreign exchange BUSN
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Sadok, Hicham, and Mohamed El Hadi El Maknouzi. "Evaluation of the fintech era on the performance of Moroccan banks: analysis through non-performing loans." F1000Research 13 (November 14, 2024): 1365. http://dx.doi.org/10.12688/f1000research.158024.1.

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Background This study aims to contribute to a better understanding of the impact of the financial technologies (fintech) era on the performance in the banking sector, measured through non-performing loans (NPL) and their coverage by provisions for NPL. It is a question of knowing whether banking investment in fintech makes it possible to better evaluate the granting of credits, and therefore makes it possible to reduce overdue credits. Methods To this end, the method used consists of using a regression analysis and a Pearson correlation applied to the financial data of Moroccan banks observed
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Rustamov, Jonibek. "Trends and Patterns of Accumulation of Non-Performing Loans in the Banking Sector of Uzbekistan." Journal of Eurasian Economies 4, no. 1 (2025): 31–37. https://doi.org/10.36880/j04.1.0144.

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This article provides a comprehensive overview of the banking sector in Uzbekistan, with a particular focus on the trend and patterns of non-performing loans (NPLs) accumulation. The data in the article offer insights into the share of NPLs in total loans across banks over several periods, underscoring the importance of assessing asset quality and risk management practices of banks in order to support policy decisions and investment strategies. The analysis reveals that banks generally exhibit a slightly higher ratio of NPLs to total loans compared to the pre-pandemic period, highlighting the
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Adawia, Popon Rabia, and Alfatih S. Manggabarano. "Analisa Pengaruh Asset (NPL) dan Likuiditas (LDR) Terhadap Return Saham Perbankan Go Public di Indonesia." Moneter - Jurnal Akuntansi dan Keuangan 7, no. 2 (2020): 123–30. http://dx.doi.org/10.31294/moneter.v7i2.7876.

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Abstract - This study was conducted to examine the influence of fundamental factors (NPL, and LDR) on stock returns Banks listed in the Indonesia Stock Exchange for the period 2005-2014. The sampling technique used in this research is purposive sampling with criteria as follows, 1) Listed in Indonesia Stock Exchange in 2005-2014, 2) Always report the annual financial statements during the period from 2005 to 2014, 3) is engaged in the same relative industry. Data required in this study were taken from Indonesian Capital Market Directory (ICMD), during 2005-2014 has listings for 42 companies ba
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Wiyanti, Rahma, and Siti Hailatul Fikriyah. "The Influence of Risk Management and Growth Strategies on Financial Performance." EAJ (Economic and Accounting Journal) 5, no. 1 (2022): 45–59. http://dx.doi.org/10.32493/eaj.v5i1.y2022.p45-59.

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This research examines risk management and growth strategies on the performance of financial the banks are listed on the Indonesia Stock Exchange. The general research objective is to ascertain the effect of risk management and growth strategies on the optimal performance of financial the Indonesian banks. Credit risk management is considered to play a role in minimizing the emergence of bad loans because bank loans have the aim of increasing profits and have triggered the emergence of bad loans in Indonesian banks due to improper management. It is hoped that this research will help improve ba
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Lestari, Ajeng Dwi. "PENGARUH RASIO KECUKUPAN MODAL DAN RASIO KREDIT BERMASALAH TERHADAP TINGKAT PENGEMBALIAN ATAS ASET PADA 6 BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2011-2015." Jurnal Ilmu Keuangan dan Perbankan (JIKA) 6, no. 1 (2016): 13–38. https://doi.org/10.34010/jika.v6i1.1440.

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Economic changing in this era has change quite significant. And as development of technology, evolving business world too more banking companies emerging stock exchanges. Public confidence in the banks began to increase, has been raised since the establisment of private banks and the establishment of the bank’s health assessment system. Thepurpose of this study was to analyze effect of the Capital Adequacy Ratio (CAR),Non Performing Loan(NPL)on the bank performance is proxied by Return on Assets (ROA).The object of is 6 banks in Indonesia listed on the Bank Indonesia for the period 2007–20
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Ilahi, Agung Rahmat, Karona Cahya Susena, and Wagini Wagini. "The Effect Of Non Performance Loan (Npl) And Loan Deposit Ratio (Ldr) On Return On Asset (Roa) In Pt. Bank Rakyat Indonesia (Persero), Tbk." BIMA Journal (Business, Management, & Accounting Journal) 2, no. 1 (2021): 83–96. http://dx.doi.org/10.37638/bima.2.1.83-96.

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The purpose of this study was to determine the effect of Non Performance Loans (NPL) and Loan Deposit Ratio (LDR) on Return on Assets (ROA) at PT. Bank Rakyat Indonesia (Persero), Tbk. The sample in this study is the financial statements at PT. Bank Rakyat Indonesia (Persero), Tbk for the period 2010 to 2019 The data collection method uses the documentation method. The data analysis used is multiple linear regression, coefficient From the calculation of the multiple linear regression equation, it can be seen that the results of the regression test: Y = 14.944– 1.072 X1 - 0.099X2. The coefficie
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Azmy, Ahmad, Iqbal Febriansyah, and Anita Munir. "THE EFFECT OF FINANCIAL PERFORMANCE RATIOS ON CONVENTIONAL BANK PROFITABILITY IN INDONESIA STOCK EXCHANGE." Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi 14, no. 2 (2019): 84. http://dx.doi.org/10.24269/ekuilibrium.v14i2.1568.

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This study aims to analyze the effect of the ratio of financial performance to the profitability of private conventional commercial banks listed on the Indonesia Stock Exchange. Retrieval of data using financial statements from fourteen conventional commercial banks. The independent variables used include Capital Adequacy Ratio (CAR), Operational Income Operating Expenses (BOPO), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR). The profitability variable is proxied by Return on Assets (ROA). This type of research is quantitative that uses secondary data. The analysis was carried ou
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OLUMIDE KELVIN ODEBODE, CHUKWUGOZIEM TOM EZI, and BERNHARD OZOFERE ISHIORO. "Effects of non-performing loans on return on equity of selected commercial banks in Nigeria." World Journal of Advanced Research and Reviews 21, no. 1 (2024): 2599–608. http://dx.doi.org/10.30574/wjarr.2024.21.1.0194.

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The study examined the effect of Non-Performing Loans (NPL) on return on equity (ROE) of selected Commercial Banks in Nigeria covering the period 2010 - 2021 with special emphasis on Fidelity Bank, Union Bank and Wema Bank Plc. It specifically determined the effect of non-performing loans (NPL) and Bank Size (SIZE) on the profitable of commercial banks measured by Return on Equity (ROE). The study utilized secondary data obtained from the annual financial report and accounts of the selected commercial banks in Nigeria for the period of study. The data were analyzed using panel least square met
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Irchani, Ervin. "Analysis of Capital Structure and Non Performing Loans on Financial Performance in the Activity Management Unit (UPK) of Boyolali District in 2022-2023." Journal of International Accounting, Taxation and Information Systems 2, no. 1 (2025): 93–112. https://doi.org/10.70865/jiatis.v2i1.97.

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This research investigates how Debt-to-Equity Ratio (DER), Equity Ratio (ER), Non-Performing Loans (NPL), and Loan Loss Provision (LLP) impact the financial performance, as measured by Return on Assets (ROA), in Activity Management Units (UPK) located in Boyolali Regency. A method of purposive sampling was employed to choose 15 UPKs from various regions within the district. Data analysis employed classical assumption tests and hypothesis testing through F-tests, t-tests, and R-square analysis. Results reveal that while Debt-to-Equity Ratio and Equity Ratio individually do not significantly aff
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