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Journal articles on the topic 'NPL loans'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Kumar Sarker, Sanjoy. "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. http://dx.doi.org/10.29121/granthaalayah.v7.i1.2019.1056.

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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 non-performing 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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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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3

Saputra, I. Komang Dedy, and Ni Luh Eka Ayu Permoni. "EFEKTIVITAS PENGELOLAAN NPL (NON PERFORMING LOAN) DI LEMBAGA PERKREDITAN DESA (LPD)." JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan bisnis, Akuntansi 1, no. 2 (2021): 101–12. http://dx.doi.org/10.52300/jemba.v1i2.2988.

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This study aims to analyze the effectiveness of the management of Non-Performing Loans (NPLs) in the Pedawa Traditional Village LPD through the Non Performing Loan (NPL) ratio, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP) and Cost. Operational Operating Income (BOPO), the sample used in this study is financial reports for 36 months. The research was conducted using quantitative analysis methods. The results of this study explain that the Capital Adequacy Ratio (CAR) has a significant negative effect on Non-Performing Loans (NPL), and Loan to Deposit Ra

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Dewi, Mertyani Sari. "EFEKTIVITAS PENGELOLAAN NPL (NON-PERFORMING LOAN) DI LEMBAGA PERKREDITAN DESA (LPD) DESA ADAT PEDAWA." Jurnal Revenue : Jurnal Ilmiah Akuntansi 3, no. 1 (2022): 44–53. http://dx.doi.org/10.46306/rev.v3i1.50.

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This study aims to analyze the effectiveness of the management of Non-Performing Loans (NPLs) in the Pedawa Traditional Village LPD through the Non-Performing Loan (NPL) ratio, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP) and Cost. Operational Operating Income (BOPO), the sample used in this study is financial reports for 36 months. The research was conducted using quantitative analysis methods. The results of this study explain that the Capital Adequacy Ratio (CAR) has a significant negative effect on Non-Performing Loans (NPL), and Loan to Deposit Ra

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Anjelika Bella Cantika, Maxqulin, and Merry Rusida S. "The Influence of Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on ROA in Banking Companies Listed on the Indonesian Stock Exchange Period 2018-2022." International Journal of Scientific Multidisciplinary Research 2, no. 7 (2024): 889–904. http://dx.doi.org/10.55927/ijsmr.v2i7.10552.

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Examining and assessing the effects of The purpose the loan to deposit ratio (LDR) and return on assets (ROA) of financial institutions listed on the Indonesian Stock Market in relation to non-performing loans (NPL). The nature of this study methodology is quantitative. The study sample consists of ten banking organizations that are registered on the Indonesian Stock Exchange (Persero) Tbk and have financial reports covering a five-year period, from 2018 to 2022. This implies that there are a total of 50 samples (10 x 5). The study finds that for every additional person who raises the quantity

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Ulima Nathania Tamba, Devina, Mohammad Benny Alexandri, and Farisadri Fauzan. "The Effect Of Non Performing Loan (NPL) On Earning Per share (EPS), Return On Investment (ROI), And Rate Of Return (ROR) In BUMN Banks Listed On The Indonesia Stock Exchange (IDX) From 2013-2022." Journal of Accounting and Finance Management 5, no. 3 (2024): 206–18. https://doi.org/10.38035/jafm.v5i3.565.

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The aim of this research is to determine the effect of Non-Performing Loans (NPL) on Earning Per Share (EPS), Return on Investment (ROI), and Rate of Return (ROR) in state-owned banks listed on the Indonesia Stock Exchange (BEI) for the period 2013- 2022. Researchers used quantitative research methods with samples in the research, namely four state-owned banks listed on the BE, using SEM (Structural Equation Modeling) and the Partial Least Square (PLS) approach as methods in the research process. Research findings show that Non Performing Loans (NPL) have a significant effect on Earning Per Sh

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Lalon, Raad Mozib, and Farhana Morshada. "Impact of Credit Risk Management on Profitability of Commercial Banks in Bangladesh: An estimation of Dynamic Panel Data Model." International Journal of Finance & Banking Studies (2147-4486) 9, no. 3 (2020): 131–47. http://dx.doi.org/10.20525/ijfbs.v9i3.874.

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This paper attempts to reveal how several credit risk factors are affecting the profitability of commercial banks considering the econometric models estimated with Random effect, Fixed effect, Pooled OLS and Cross-sectional Generalized least square (GLS) method followed by dynamic panel data model estimated with one-step GMM (generalized methods of moments) approach to incorporate the issue of endogeneity, unobserved heterogeneity and profit persistence of data set collected from annual report of banks covering from year 2010 to 2019 in Bangladesh. We have also adopted several diagnostic check

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8

Indraswari, Arinah, and Endah Nurhawaeny Kardiaty. "PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING LOAN (NPL), BIAYA OPERASIONAL PADA PENDAPATAN OPERASIONAL (BOPO), LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) Pada Bank BUMN Periode 2013 - 2017." Jurnal Proaksi 4, no. 1 (2019): 101–20. http://dx.doi.org/10.32534/jpk.v4i1.581.

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This research has a purposed to provide empirical evidences about the CapitalAdequacy Ratio (CAR), Nonperforming Loans (NPL) , Operating Expenses to Operating Income(BOPO), Loan to Deposit Ratio (LDR) towards profitability (ROA) on state owned bank. Timeperiod uses in this research begin from 2013 until 2017. The analyzed method in this research usesmultiple linear regressions including classical assumption such as normality test, multicolinearitytest, heterocedacity test, and autocorrelation test. The result shown that Operating Expenses toOperating Income (BOPO) variables have positive relat

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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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Rahmayanti, Indri Dwi. "Pengaruh Dana Pihak Ketiga (DPK), Non Performing Loan (NPL) Dan Loan To Deposit Ratio (LDR) Terhadap Penyaluran Kredit (Pada PT. Bank Perkreditan Rakyat di Kabupaten Bogor Periode 2018-2022)." Innovative: Journal Of Social Science Research 4, no. 3 (2024): 10678–92. http://dx.doi.org/10.31004/innovative.v4i3.8308.

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The aim of this research is to determine the influence of Third Party Funds (DPK), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on partial and simultaneous credit distribution at PT Bank Perkreditan Rakyat in Bogor Regency for the 2018-2022 period. and To find out how much contribution Third Party Funds (DPK), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) have made to partial and simultaneous credit distribution at PT Bank Perkreditan Rakyat in Bogor Regency for the 2018-2022 period. This research uses a quantitative research design with a causal relationship appro

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11

Wang, Zhenlei, and Song Qin. "Research on Non-Performing Loans Ratio’s Controlling: Evidence from 13 Commercial Banks." Journal of Advanced Computational Intelligence and Intelligent Informatics 21, no. 6 (2017): 1079–86. http://dx.doi.org/10.20965/jaciii.2017.p1079.

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The People’s Bank of China in 2013 released a report revealing that the balance of non-performing loans of Chinese banking financial institutions had rebounded for the first time since 2005. In this situation, establishing early warning models – to recognize the factors that influence non-performing loans, and take effective measures to prevent defaults and control the banks’ credit assets – has become a major new issue. This paper examines the determinants of the non-performing loans (NPL) ratio in the Chinese banking sector from 2005 to 2011 using a panel data model. This model incorporates

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Tami, Sri Utami Permata, and Riska Kumala Dewi. "The Effect of Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR) And Non-Performing Loans (NPL) on Return on Asset (ROA) In Banking Companies Listed on The Indonesia Stock Exchange During The Period Of 2016-2020." Journal of Scientific Research, Education, and Technology (JSRET) 1, no. 2 (2022): 359–77. http://dx.doi.org/10.58526/jsret.v1i2.120.

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This study aimed to determine the partial and simultaneous effect of Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR) and Non-Performing Loans (NPL) on Return On Asset (ROA) in banking companies shares listed on the Indonesia Stock Exchange in 2016-2020. The population of this study were all conventional commercial banking companies listed on the Indonesia Stock Exchange in the period of 2016-2020.The sampling technique was carried out by purposive sampling, so that 9 banking companies were obtained as study samples. The data analysis technique used was linear regression analysis by C

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13

Kurniati, Titi, and Nurhayati Nurhayati. "ANALISIS KREDIT BERMASALAH DILIHAT DARI STANDAR NON PERFORMING LOAN (NPL) PADA PT. BANK MANDIRI (PERSERO) TBK." Inovator 9, no. 1 (2020): 17. http://dx.doi.org/10.32832/inovator.v9i1.3001.

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<p class="15bIsiAbstractBInggris">This study aims to examine how much Non Performing Loans at PT. Bank Mandiri (Persero) Tbk registered on the Stock Exchange for the 2014-2018 period. This research method uses descriptive methods including NPL analysis and hypothesis testing using significance test (t test). The results of the study stated that "Non Performing Loans (NPLs) at PT. Bank Mandiri (Persero) Tbk less than 5% than expected ", thus the banks must suppress the Non Performing Loan (NPL) to below 5% according to the health standard Non Performing Loan (NPL) ratio, with the level of

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14

Tmava, Qazim, Ajtene Avdullahi, and Besë Sadikaj. "Loan portfolio and nonperforming loans in Western Balkan Countries." International Journal of Finance & Banking Studies (2147-4486) 7, no. 4 (2019): 10–20. http://dx.doi.org/10.20525/ijfbs.v7i4.203.

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Non-performing loans (NPLs) present one of the most controversial issues in both developed and developing countries. The main purpose of this paper is to analyze and compare the loan portfolio and NPLs in the Western Balkan countries: Albania, Bosnia and Herzegovina, Kosovo, Macedonia, Montenegro, and Serbia for the period 2008-2015. Besides, this research aims to make a comparative analysis of some other macroeconomic indicators and industry factors that affect them such as GDP, banking sector assets, loan portfolio, asset participation in GDP, credit participation in GDP, deposit credit rati

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15

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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Wijaya, Indah Parasari, Agus Athori, and Khasanah Sahara. "ANALISIS MANAJEMEN KREDIT GUNA MEMINIMALISIR KREDIT BERMASALAH (STUDI KASUS PADA KOPERASI SIMPAN PINJAM CITRA SEJAHTERA TULUNGAGUNG)." Jurnal Ilmiah Cendekia Akuntansi 8, no. 4 (2023): 45. http://dx.doi.org/10.32503/cendekiaakuntansi.v8i4.3949.

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Credit management is an important part of the overall management of financial institutions, because the majority of the income of bank and non-bank financial institutions relies on the credit sector. By implementing maximum credit management, the risk of non-performing loans can be minimized so that the income generated will be maximized. The research method used in this study is descriptive research with a quantitative approach. This data analysis analyzes credit management, the percentage of Non-Performing Loans (NPLs) from 2018 to 2020, and how to save non-performing loans at the Citra Seja

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Djuarni, Wenny, and Rita Ratnasari. "IMPLEMENTASI PRINSIP 5C DALAM MENENTUKAN KELAYAKAN PEMBERIAN KREDIT PADA NASABAH." Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah 2, no. 2 (2022): 99. http://dx.doi.org/10.35194/arps.v2i2.2626.

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ABSTRAKArtikel ini bertujuan untuk mengetahui implementasi prinsip 5C dalam menentukan kelayakan pemberian kredit serta pengaruh terhadap besarnya Non Performing Loan (NPL). Metode yang digunakan adalah metode analisis deskriptif kualitatif. Hasil penelitian menyimpulkan bahwa PT. BPR Kerta Raharja dalam tahap proses Implementasi prinsip 5C dalam pemberian Kredit Multiguna telah dilaksanakan sesuai dengan prinsip yang dilakukan bank sebelum suatu fasilitas kredit diberikan dimana bank harus merasa yakin bahwa kredit yang diberikan benar-benar akan kembali. Adapun perkembangan Non Perfoming Loa

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Sulistiana, Ni Kadek Devi, and Made Ayu Desy Geriadi. "Pengaruh Non Performing Loan, Loan To Deposit Ratio Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Return On Asset Pada Sektor Perbankan Yang Terdaftar Di Otoritas Jasa Keuangan (OJK) Periode 2017-2021." Jurnal Manajemen dan Bisnis Equilibrium 10, no. 2 (2024): 310–20. http://dx.doi.org/10.47329/jurnal_mbe.v10i2.1296.

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The purpose of this research is to identify the impact of non-performing loans (NPL), loan to deposit ratio (LDR), and operational income operating costs (BOPO) on return on assets (ROA) in corporate banking. This research was conducted on banking sector corporations registered with the Financial Services Authority (OJK) in the 2017-2021 period. Purposive sampling was used as a sampling method involving 64 sample issuers. Quantitative data and secondary data used in research. Observation and documentation studies are used as collection techniques. Multiple linear regression analysis was used a

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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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Fasha, Kemal Wira, and Abdul Rauf Chaerudin. "PENGARUH NON PERFORMING LOAN (NPL), LOAN TO DEPOSIT RATIO (LDR) DAN NET INTEREST MARGIN (NIM) TERHADAP RETURN ON ASSETS (ROA) PADA PERUSAHAAN PERBANKAN." National Conference on Applied Business, Education, & Technology (NCABET) 1, no. 1 (2021): 645–59. http://dx.doi.org/10.46306/ncabet.v1i1.52.

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The purpose of this study was to determine the effect of Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) on Return On Assets (ROA) either partially or simultaneously in banking companies listed on the Indonesia Stock Exchange. . This study uses a quantitative approach with secondary data in the form of Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) and Return On Assets (ROA). Determination of the sample in this study using purposive sampling technique with 3 criteria in order to obtain 5 companies from 46 companies.

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Dervishaj, MSc Valdrin, and MA Getoar Lubeniqi. "Government Participation in Bad Debts Resolution; Case of Kosovo and Albania." ILIRIA International Review 6, no. 1 (2016): 67. http://dx.doi.org/10.21113/iir.v6i1.217.

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Banks need to make thorough analysis and take into consideration all the potential risks that arise related to their lending, preventing bad loans mostly during economic slowdown. The Non-Performing Loans (now on referred as NPL) in Kosovo continued falling from 8.7% as it was in 2013 to 8.3% in 2014. While in 2014 NPL level decreased, the provisioning for loans continued to increase from 110.5% to 114.4%. This is a positive toward any unexpected situation. Lost loans have continued to increase in moderated way for the last four years. Banking Sector in Albania since the last economic recessio

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Nurwita, Nurwita. "INFLUENCE OF CAPITAL ADEQUACY RATIO (CAR) AND NON PERFOMING LOAN (NPL) ON RETURN ON ASSETS (ROA) ON PT. BANK CENTRAL ASIA TBK." Indonesian Journal of Economy, Business, Entrepreneuship and Finance 1, no. 2 (2021): 167–72. https://doi.org/10.53067/ijebef.v1i2.24.

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This study aims to determine whether there is an effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA), whether there is an effect of Non Performing Loans (NPL) on Return On Assets (ROA) and whether there is an effect of Capital Adequacy Ratio (CAR) and Non-Performing Loans. Performing Loan (NPL) to Return On Assets (ROA). The variables in this study are CAR and NPL as independent variables and ROA as the dependent variable. Data collection can be obtained through secondary data and literature study. The data were analyzed by calculating the correlation coefficient test, partial t t

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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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Damarsiwi, Eska Prima Monique. "The Influence of The Interest Rate (BI Rate) and Non Performing Loan (NPL) To The Distribution of Banking Credit in Bengkulu Province in The Years 2013-2015." AFEBI Economic and Finance Review 2, no. 01 (2017): 64. http://dx.doi.org/10.47312/aefr.v2i01.51.

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<p>Banks collect funds from the public in the form of deposits and are distributed back in the form of credit to companies and individuals. This study is aimed to determine the effect of the BI Rate and Non-Performing Loans (NPL) to the capital loan in Bengkulu province in the years 2013-2015. Before doing the multiple regression analysis, the data should be free from the classical assumption.The empiricalresults of this partial analysis show that the variable BI Rate istcount(2.402) &gt;ttable (2,228),this meansthat the BI Rate has a positive effect on bank lending in the province o

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Sutisnawati*, Yayah, and Fifi Amalia Anggraeni. "The Influence of Non-Performing Loans on Profitability at Bank Rakyat Indonesia Persero Tbk." Jurnal Ilmu Keuangan dan Perbankan (JIKA) 12, no. 2 (2023): 215–22. http://dx.doi.org/10.34010/jika.v12i2.8303.

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The purpose of this study is to obtain developments to what extent the influence of Non-Performing Loans (NPL) on Profitability (ROA). The method used in this research is descriptive and verification method by testing the hypothesis. From the research results, data analysis shows that the influence of variable X or non-performing loans on profitability is 70.4% and the remaining 29.6% is influenced by other variables not tested in this study. Besides that the t-table is still in the area of HO rejection, so HO is rejected and H1 is accepted, so it can be concluded that Non-Performing Loans hav

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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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LOISSA, Angelica Febbryana, and Gede Harry KRISNANDA. "Determinants of Credit Growth in Commercial Banks in Indonesia." Journal of Tourism Economics and Policy 3, no. 4 (2023): 282–95. http://dx.doi.org/10.38142/jtep.v3i4.881.

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Banks have a very vital task in maintaining the Indonesian economy. One of the main tasks of banks is to collect and distribute public funds. Banks channel public funds through loans that get rewards in the form of loan interest. This research focuses on studying what factors affect the amount of credit in the long run. This study uses deposits, lending rates (SBK), non-performing loans (NPL), GDP growth, inflation as internal and external factors that affect the amount of lending to commercial banks. The results showed that partially deposits had a negative and significant effect, NPL had a n

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Ramadhan, Novan Ananda, Parningotan Sjiabat, Souza Al-Gibrani Nerva, and Teguh Fachri Fahros. "Analysis of Non-Performing Loans at Permata Bank for the 2008-2022 Period." Asian Journal of Applied Business and Management 2, no. 2 (2023): 229–38. http://dx.doi.org/10.55927/ajabm.v2i2.4041.

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The purpose of this study is to analyze trends & factors based on credit info system data on the NPL report at Bank Permata in 2008-2022. NPL fluctuated, increasing during the 2008-09 crisis. Economic downturn, high rates, & defaults are major contributors. Corporate loans affected by the crisis; consumer loans during the pandemic. The bank implemented measures: loan restructuring, risk management. Hence the need to improve credit decisions & risk management for a healthy portfolio.

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Yeni, Darlisa Putri, Purnama Yanti Purba, Cklaudya Julianti Morina Tambunan, Hara Artha Ulina Marbun, and Tantri Octora Dwi Syah Putri. "Pengaruh NPL Dan LDR Terhadap ROA Pada Perbankan Yang Terdaftar Di Bursa Efek Indonesia (BEI) Periode 2020-2022." JRAM (Jurnal Riset Akuntansi Multiparadigma) 11, no. 1 (2024): 66–75. http://dx.doi.org/10.30743/akutansi.v11i1.9740.

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This research aims to determine and analyze the influence of Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) in banks listed on the Indonesia Stock Exchange (BEI) for the 2020-2022 period. Financial reports are presented to fulfill several different information needs, one of which is information about profits. This information is very important because profit explains how the company performs during a period. The type of data used is secondary data obtained from financial reports downloaded via the official website of the Indonesia Stock Exchange (BEI). The

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Vira Ayustina, Chalid Imran Musa, Nurman, Anwar, and Ahmad Ali. "The Effect of Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) Return on Assets (ROA) in PT. Bank Sulselbar." Economics and Business Journal (ECBIS) 1, no. 3 (2023): 215–24. http://dx.doi.org/10.47353/ecbis.v1i3.32.

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The purpose of this research is totest and analyze the effect of Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) at PT. Sulselbar Bank. The techniques for collecting secondary data are obtained from the Financial Data at PT. Sulselbar Bank. The population is the financial statements at PT. Bank Sulselbar from August 2017 to December 2021, and the samples taken are monthly data for 4 (four) years and 5 (five) months. So, the amount of data obtained is 53. The results of the research have been tested on classic assumptions such as the assumption of normality,

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Gunardi, Gunardi, Karyadi Karyadi, Anisya Pujianti, et al. "Analisis kredit bermasalah ditinjau dari non performing loan (NPL) pada PT Bank Mandiri (persero) Tbk." Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan 4, no. 11 (2022): 5228–32. http://dx.doi.org/10.32670/fairvalue.v4i11.1838.

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As we know, in the financial system, there are various financial institutions that act as financial intermediaries. That is, lending money from the savings and loan community, lending it back to other parties. This is because it does not rule out the possibility that credit will pose a risk for this research to assess how much non-performing loans are in terms of non-performing loans (NPL) in a banking company, namely PT Bank Mandiri (Persero) Tbk. The method used in this research is the descriptive method. The sources of data used are secondary data and the use of library research and observa

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Akter, Rozina, and Jewel Kumar Roy. "The Impacts of Non-Performing Loan on Profitability: An Empirical Study on Banking Sector of Dhaka Stock Exchange." International Journal of Economics and Finance 9, no. 3 (2017): 126. http://dx.doi.org/10.5539/ijef.v9n3p126.

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The Banking sector of Bangladesh is trapped in a gridlock of non-performing loans (NPLs) so much so that NPL accounts for 11.60 percent of the total volume of classified loans. This problem has started to be widening with an evil trend of loan embezzlement among the industrial borrowers in our country. Frequent scam series in banking industry is surely a red light and unfortunately the commercial banks are highly surrounded by it. The goal of the study is to analyze the impact of non-performing loan (NPL) on profitability where in this study considered net interest margin (NIM). This paper att

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Firmansyah, Firmansyah, and Muh Sari Sam. "Faktor-Faktor Yang Mempengaruhi Non-Performing Loan Pada Bank BUMN di Indonesia Tahun 2010-2019." JURNAL SOSIAL EKONOMI DAN HUMANIORA 8, no. 2 (2022): 193–99. http://dx.doi.org/10.29303/jseh.v8i2.25.

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The high level of NPL will also put pressure on banks to maintain their capital. The risk is that when banks strengthen their capital, this will automatically reduce the ability of banks to expand credit to the real sector which will have an impact on the country's economy. The factors that caused the NPL problem were the lack of good faith from the debtors to immediately pay off their debts at a predetermined time. Then the banking policy to maintain high credit interest rates amidst unstable economic conditions also contributed to the increase in NPL. Banking carelessness in channeling was a

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Victor Osunnaiye, Adetayo, and Nargiza Alymkulova. "The Impact of Non-performing Loans on Nigerian Economic Growth, 2011-2020." London Journal of Social Sciences 2, no. 3 (2022): 53–71. http://dx.doi.org/10.31039/ljss.2022.3.72.

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This paper examined the impact of rising non-performing loans (NPL) on Nigeria's economic growth using time series data from 2011 – to 2020. In analyzing this relationship, the co-integrated autoregressive distributed lag (ARDL) model was employed, and the study revealed a long-run negative relationship between NPL and economic growth. This suggests that a higher NPL may have reduced the banks' loan disbursement capacity or made the banks reluctant to give out more loans to the productive sector, adversely affecting the economy. This research also supports the long-standing results of a positi

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Kosztowniak, Aneta. "Changes in the quality of bank loan portfolios in EU countries – with the particular case of Poland." Managerial Economics 23, no. 1 (2023): 27. http://dx.doi.org/10.7494/manage.2022.23.1.27.

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As non-performing loans (NPLs) can cause monetary crises that may turn into financial crises affecting an entire economy, monitoring them is very important. If NPLs are not identified and recognized efficiently, both in terms of speed and scope, NPL resolution effectiveness is undermined, which in turn will have negative effects on the banking sector and ultimately on GDP growth.The main aim of this article is to identify changes in the quality of bank loan portfolios in European Union (EU) countries in 2009–2021, using an example of the Visegrad Group (Czech Republic, Poland, Slovakia, Hungar

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Zainul Arifin, Marli, and Dheva Novianda Saputri. "PROFITABILITAS SEBAGAI MEDIASI UKURAN PERUSAHAAN, LDR DAN NPL DENGAN NILAI PERUSAHAAN." Jurnal Manajemen Dirgantara 16, no. 2 (2023): 385–95. http://dx.doi.org/10.56521/manajemen-dirgantara.v16i02.1002.

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This research was conducted to examine the effect of firm size, Loan to Deposit Ratio and Non-Performing Loans on Firm Value with Profitability as an intervening variable. This study uses data from 41 banking companies on the Indonesia Stock Exchange with a purposive sampling technique. Quantitative research methods using PLS SEM with SmartPLS. The results of the study stated that company size and Loan to Deposit Ratio had a significant positive effect on profitability, and Non Performing Loans had a significant negative effect on profitability. Firm size, loan to deposit ratio and non-perform

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Nasikin, Yayan, and Indah Yuliana. "Peran Retrun On Assets (ROA) Sebagai Variabel Mediasi Pada Pengaruh Non Performing Loan (NPL) Dan BI Rate Terhadap Harga Saham Bank BUMN Periode 2011 – 2020." Owner 6, no. 1 (2022): 400–415. http://dx.doi.org/10.33395/owner.v6i1.616.

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The purpose of this study is to provide empirical evidence regarding the direct effect of Non Performing Leon (NPL) and BI Rate on Return On Assets (ROA) and stock prices, indirect effect of Non Performing Leon (NPL) and BI Rate on stock prices through Return On Assets (ROA) as a mediating variable in state-owned banks for the period 2011 – 2020. This type of research is quantitative research. The data analysis technique used is multiple linear regression and mediation test using Eviews 12 program and Sobel Test Online. The results of this study show that simultaneously Non Performing Loans (N

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Febryianti, Elvira, and Yenny Kornitasari. "PENGARUH KOMPETISI BANK TERHADAP STABILITAS SISTEM KEUANGAN PERBANKAN (STUDI KASUS PADA KBMI IV TAHUN 2019-2022)." Contemporary Studies in Economic, Finance and Banking 3, no. 3 (2024): 817–28. http://dx.doi.org/10.21776/csefb.2024.03.3.20.

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The emergence of banking as an intermediary institution plays a very important role in the economy because it is the heart that must pump "money" and distribute it to all organs that need the money. Therefore, it is very important to maintain the stability of the banking financial system. The development of the banking system can trigger competition in the banking industry which can affect banking stability. This research was conducted to determine the effect of bank competition on the stability of the banking financial system. This research focuses on KBMI 4 data which is a large bank HHI ind

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Riani, Lusiana Risma, and Mutamimah Mutamimah. "Model Peningkatan Kinerja Keuangan Berbasis Capital Adequacy Ratio (CAR) Pada Perbankan BUMN Di Indonesia." TIN: Terapan Informatika Nusantara 4, no. 3 (2023): 167–77. http://dx.doi.org/10.47065/tin.v4i3.4170.

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This study aims to determine the effect of Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Profitability with the Capital Adequacy Ratio (CAR) as an intervening variable in state-owned banks in Indonesia. This type of research is quantitative, which focuses on managing numerical data. The population in this study uses state-owned banks listed on the Indonesia Stock Exchange (IDX). The sample used in this study is the annual report of state-owned banks listed on the Indonesia Stock Exchange (IDX) in 2010-2021, while the sampling method in this study used a purposive sampling metho

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M Fahmy, Obaid, M. Rustam, and Evi Asmayadi. "Pengaruh Keuangan Inklusif Terhadap Kredit yang Disalurkan pada Sektor Usaha Mikro, Kecil dan Menengah di Indonesia." Jurnal Ekonomi Bisnis dan Kewirausahaan 5, no. 2 (2016): 118. http://dx.doi.org/10.26418/jebik.v5i2.17145.

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This research is a quantitative study which aims to find out the effect of financial inclusion(banking access dimension and banking service usage dimension) on loans channeled to theMicro Small and Medium Sized Enterprises (MSMEs) sector in Indonesia. The variables used inthis research were loans channeled to the MSMEs as dependent variable, and successivelybanking access dimension and banking service usage dimension as the independent variables.Using the purposive sampling method, a total of 33 provinces in Indonesia were selected as thesamples with an observation period from 2010 to 2013. LD

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Alawiyah, Miryam, Dedy Wijaya Kusuma, and Fetri Setyo Liyundira. "IMPRESSION OF NON-PERFORMING LOAN, LOAN TO DEPOSIT RATIO, AND NET INTEREST MARGIN AGAINST PROFITABILITY." Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak 4, no. 1 (2020): 27–31. http://dx.doi.org/10.30741/assets.v4i1.562.

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This study aims to determine the effect of Net Performing Loans, Loan to Deposit Ratio, and Net Interest Margin on profitability. Profitability is proxied by Return On Assets (ROA). Whereas the factor for the existence of Net Performing Loans (NPL) is proxied by non-performing loans, the Loan to Deposit Ratio (LDR) factor is proxied by third-party fund distribution, and the Net Interest Margin (NIM) factor is net interest income proxied. The population in this study amounted to 25 Rural Banks (BPR) in the Jember Regency, and for the study, the sample was 19 People's Credit Banks (BPR) in the J

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Rahima, Adevia Yulia, and Dul Muid. "The Effect Of Financial Performance And Firm Size On Firm Value (Case Study of Banking Companies Listed on the Indonesia Stock Exchange in 2018-2020)." Tax Accounting Applied Journal 2, no. 1 (2022): 1–8. http://dx.doi.org/10.14710/taaij.2023.17990.

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The goal of this study is to determine the correlation between Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), and Firm Size to Firm Value in the banking sector listed on the Indonesia Stock Exchange in 2018–2020. An IDX-listed banking company for the years 2018 to 2020 serves as the study's sample. Using the SPSS Release 23 application, multiple linear regression is used as the analytic method. The findings of this study suggest that Return on Asset (ROA) and Loan to Deposit Ratio (LDR) substantially impact firm value. Otherwise, Non-Performing Loans (NPL) and

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Lafera, Dety. "Analysis of Non-Performing Loans in PT. Bank Rakyat Indonesia (Persero) Tbk, Unit Lubuk Begalung 2019-2020." Journal of Accounting and Finance Management 2, no. 4 (2021): 184–89. http://dx.doi.org/10.38035/jafm.v2i4.139.

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Banks in general, in carrying out their operations to obtain business results, are always faced with a risk. One of the risks experienced by a bank is the large ratio of non-performing loans or what is called Non-Performing Loans/NPLs. Based on Bank Indonesia regulations, a bank has a dangerous potential if the bank has an NPL ratio of more than 5%. This study aims to analyze the level of non-performing loans at PT. Bank Rakyat Indonesia (Persero) Tbk Lubuk Begalung Padang Unit in 2019-2020. This research was conducted using quantitative methods. The data used in this study are the total numbe

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Hamdi, Meisitha Ulva, Bintang Rizky AMS, Weriantoni Weriantoni, and Putri Ayu. "KONSEKUENSI VARIABEL MAKROEKONOMI TERHADAP NON-PERFORMING LOANS PADA BANK PENGKREDITAN RAKYAT DI INDONESIA." Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo 9, no. 1 (2023): 174. http://dx.doi.org/10.35906/jep.v9i1.1482.

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ABSTRAK Pemberian kredit merupakan tulang punggung kegiatan perbankan. Oleh karena itu, pendapatan bank yang paling besar ialah bunga atas kredit yang diterima oleh nasabah, sebagian besar dialokasikan untuk kredit. Namun, seiring meningkatkannya pertumbuhan kredit, dapat juga menyebabkan banyaknya kredit macet atau non-performing loans (NPL), dimana nasabah tidak mampu membayar kewajibannya pada periode atau jangka waktu yang telah disepekati. Berdasarkan data dari Otoritas Jasa Keuangan Bank Pengkreditan Rakyat memiliki tingkat NPL 4% < NPL < 8% dari tahun 2010 hingga 2021. Berdasarkan

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Skenderi, Nagip, and Adem Dreshaj. "Influence of Macroeconomic Factors in Failure of Return of Bank Loans in Kosovo." Mediterranean Journal of Social Sciences 9, no. 5 (2018): 97–106. http://dx.doi.org/10.2478/mjss-2018-0141.

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Abstract The risk from non-payment of loans is a challenge for all the banks. Payment of the loans is a crucial issue for efficient functioning of the banking system. Loaning is one of the main uncertainties in the banking business, for loan payment can be rarely guaranteed completely. Often, a question occurs: what are the factors that influence in failure of the return of bank loan? What are the politics that must be followed to stimulate the return of bank loans? Through this research we aim to highlight the reasons of debtors in failing of loan return by studying the link of macroeconomic

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Dinah Purnamasari and Fatchan Achyani. "Analysis of the Effect of Credit Expansion, Operational Efficiency Rate, Lending Interest Rate, NPL of the Previous Period and Capital Adequacy Ratio (CAR) on Non-Performing Loans Based on the Generalized Method of Moment." Quantitative Economics and Management Studies 3, no. 2 (2022): 256–64. http://dx.doi.org/10.35877/454ri.qems919.

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This study aims to determine the effect of credit expansion, operational efficiency, lending interest rate, NPL in the previous period and Capital Adequacy Ratio (CAR) on Non-Performing Loans (NPL). This type of research was quantitative and used secondary data from annual reports. This study used a sample of 20 conventional commercial banks registered on the IDX in 2017-2019 with sample determination using the purposive sampling method. The technique for analyzing data in this study used the Generalized Method of Moment (GMM) with data processing using the help of the Eviews 9 application. Ba

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Rosita, Maya, and Musdholifah Musdholifah. "Pengaruh Makroekonomi, Capital Adequacy Ratio, Loan To Deposit Ratio dan Pertumbuhan Kredit terhadap Non Performing Loan pada Bank Asing di Indonesia Periode 2013-2014." BISMA (Bisnis dan Manajemen) 8, no. 2 (2018): 124. http://dx.doi.org/10.26740/bisma.v8n2.p124-143.

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The aim of this study was to understand the influence of macroeconomic factors in this research are exchange rate and inflation, while for the internal bank are capital adequacy ratio (CAR), loan to deposit ratio (LDR) and credit growth towards non performing loan (NPL). The data that used is quarterly data from financial statements of Foreign Bank in Indonesia period of 2013 until 2014. Data analysis method used is multiple-regression analysis. The results showed that there was a simultaneous influence of independent variables towards NPL of Foreign Bank in Indonesia. However, partially showe

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Wulandari, Ika, and Endang Sri Utami. "Asset Management Moderates Liquidity Against Non-Performing Loans." Moneter: Jurnal Keuangan dan Perbankan 12, no. 1 (2024): 64–71. http://dx.doi.org/10.32832/moneter.v12i1.567.

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This study was conducted with the aim of knowing the influence of liquidity proxied with Loan to Deposit Ratio (LDR) on Non-Performing Loans proxied with Non Performing Loans (NPL). In addition, research was also conducted to determine the ability of asset management to moderate liquidity against problem loans. This type of research is quantitative research using secondary data. The study was conducted on Rural Banks in Indonesia. Samples were taken by purposive sampling method and obtained from 38 banks. By taking the research period for 2 years, namely in 2020 and 2021, 76 research data were

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Hariyanti, Dini. "Macro Determinants on Non-Performing Loans of Indonesia Commercial Banks (Credit Risk Scenario)." Jurnal Manajemen Indonesia 24, no. 2 (2024): 236–56. https://doi.org/10.25124/jmi.v24i2.8214.

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A stable financial system is significant for an economy. Commercial banks play a critical role in facilitating the flow of credit and boosting the productivity of businesses through investment funding. In addition to receiving deposits, commercial banks provide loans to customers, exposing them to credit risk in the form of non-performing loans (NPL). This study aims to analyze the determinants of NPL and stress-test macro variables in the Indonesian banking system. The findings of this study, which used a data panel (Stata 17) and the Monte Carlo Stressing test of the Value at Risk (VAR) appr

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