PENGARUH KREDIT BERMASALAH DAN LIKUIDITAS TERHADAP PROFITABILITAS : Bank Umum Konvensional Yang Terdaftar Di Otoritas Jasa Keuangan 2020 - 2024)

    Agisna Siti Sofiyanti, - and Ajang Mulyadi, - and Arvian Triantoro, - (2025) PENGARUH KREDIT BERMASALAH DAN LIKUIDITAS TERHADAP PROFITABILITAS : Bank Umum Konvensional Yang Terdaftar Di Otoritas Jasa Keuangan 2020 - 2024). S1 thesis, Universitas Pendidikan Indonesia.

    Abstract

    Penelitian ini bertujuan untuk mengetahui pengaruh kredit bermasalah yang diukur melalui Non - Performing Loan (NPL) dan likuiditas yang diukur melalui Loan to Deposito Ratio (LDR) terhadap profitabilitas bank umum konvensional yang terdaftar di otoritas jasa keuangan (OJK) pada tahun 2020 – 2024. Penelitian ini merupakan penelitian kuantitatif teknik purposive sampling dengan jumlah bank yang memenuhi kriteria penelitian adalah sebanyak 91 bank umum konvensional. Pengumpulan data dilakukan menggunakan metode dokumentasi yang berasal dari situs bank masing – masing atau laman Otoritas Jasa Keuangan (OJK) pada periode 2020 – 2024. Teknik analisis data yang digunakan adalah regresi multipel data panel. Pengujian hipotesis menggunakan uji F, uji t, dan koefisien determinasi dengan bantuan aplikasi Eviews 12. Hasil pengujian hipotesis menujukan bahwa Non - Performing Loan (NPL) memiliki pengaruh negatif tidak signifikan terhadap profitabilitas. Hal tersebut mengartikan bahwa semakin tinggi nilai Non - Performing Loan (NPL) maka semakin rendahnya nilai profitabilitas. Sedangkan Loan to Deposito Ratio (LDR ) memiliki pengaruh positif signifikan terhadap profitabilitas yang mengartikan bahwa semakin tinggi Loan to Deposito Ratio (LDR) maka nilai profitabilitas bank akan meningkat. Kata Kunci: Non - Performing Loan (NPL), Loan to Deposito Ratio (LDR), Profitabilitas THE EFFECT OF NON – PERFORMING LOAN AND LIQUIDITY ON PROFITABILITY (CONVENTIONAL COMMERCIAL BANKS REGISTERED WITH THE FINANSIAL SERVICES AUTHORITY 2020 – 2024) Agisna Siti Sofiyanti Advisors : Drs. H. Ajang Mulyadi. M.M Arvian Triantoro, S.Pd., M. Si ABSTRACT This study aims to determine the effect of Non – Performing Loan (NPL) and liquidity, as measured by the Loan to Deposito Ratio (LDR), on the profitability of conventional commercial banks registered with the Finansial Services Authority (OJK) from 2020 to 2024. This is a quatitative study using purposive sampling, with a total of 91 conventional commercial bank meeting the research criteria. Data collection was conducted using the documentation method, sourced from each bank website or Financial Services Autority (OJK) website for the period 2020 – 2024. The data analysis techique used was multiple regression panel data. Hypothesis testing was conducted using the F – test, t – test, and coeffient of detemination with the assistance of the Eviews 12 application. The result of the hypothesis testing indicate that Non – Performing Loan (NPL) have a negative but insignificant effect on profitability. This means that as the value of Non – Performing Loan (NPL) increases, the profitability value decreases. Meanwhile, the Loan to Deposito Ratio (LDR) has a significant positive effect on profitability, meaning that the higher the Loan to Deposito Ratio (LDR), the higher the bank profitability. Keywords : Non – Performing Loan (NPL), Loan to Deposito Ratio (LDR), Profitability

    Baca Full Text klik disini
    [thumbnail of S_PEA_2106784_TITLE.pdf] Text
    S_PEA_2106784_TITLE.pdf
    Download (628kB)
    [thumbnail of S_PEA_2106784_Chapter1.pdf] Text
    S_PEA_2106784_Chapter1.pdf
    Download (266kB)
    [thumbnail of S_PEA_2106784_Chapter2.pdf] Text
    S_PEA_2106784_Chapter2.pdf
    Restricted to Staf Perpustakaan
    Download (496kB)
    [thumbnail of S_PEA_2106784_Chapter3.pdf] Text
    S_PEA_2106784_Chapter3.pdf
    Download (483kB)
    [thumbnail of S_PEA_2106784_Chapter4.pdf] Text
    S_PEA_2106784_Chapter4.pdf
    Restricted to Staf Perpustakaan
    Download (513kB)
    [thumbnail of S_PEA_2106784_Chapter5 .pdf] Text
    S_PEA_2106784_Chapter5 .pdf
    Download (220kB)
    [thumbnail of S_PEA_2106784_Appendik.pdf] Text
    S_PEA_2106784_Appendik.pdf
    Restricted to Staf Perpustakaan
    Download (623kB)
    Official URL: https://repository.upi.edu/
    Item Type: Thesis (S1)
    Additional Information: https://scholar.google.com/citations?hl=en&user=aAtmXEYAAAAJ&view_op=list_works&citft=1&email_for_op=gisnasopii%40gmail.com&gmla=AH8HC4w2yjMXDU0ZcK5qGQisGswakNIJKgsRjsOmWiY8oiBjsv1yL1eawLWmF5zwwZbIQcJiBnajH-mhe-paHsI2USnGQ7BUh_bFhFH5aaHUM2nZulcZgwdpBVy0W6-lEfhuzPiMct0iuIKOUknQo9MM9n--jFxLhf4wjcWnWo-0OOFsFtsFkgXXBBl3zxo-jsx0BimH8dYCMUuzOc60_nCmXQG1jMcf_oEPRrRtQnLfm14 ID SINTA Dosen Pembimbing Drs H Ajang Mulyadi 6745802 Arvian Triantoro 5993216
    Uncontrolled Keywords: Kemampuan dalam mengetahui kredit bermasalh dan likuiditas bank, serta tingkat profitabilitas bank The ability to understand problematic credit and bank liquidity, as well as the bank's profitability level.
    Subjects: H Social Sciences > HF Commerce > HF5601 Accounting
    H Social Sciences > HG Finance
    L Education > L Education (General)
    Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > Pendidikan Akuntansi
    Depositing User: Agisna siti sofiyanti
    Date Deposited: 19 Sep 2025 01:19
    Last Modified: 19 Sep 2025 01:19
    URI: http://repository.upi.edu/id/eprint/139172

    Actions (login required)

    View Item View Item