eprintid: 139172 rev_number: 111 eprint_status: archive userid: 218568 dir: disk0/00/13/91/72 datestamp: 2025-09-19 01:19:20 lastmod: 2025-09-22 07:36:20 status_changed: 2025-09-19 01:19:20 type: thesis metadata_visibility: show creators_name: Agisna Siti Sofiyanti, - creators_name: Ajang Mulyadi, - creators_name: Arvian Triantoro, - creators_nim: NIM106784 creators_nim: NIDN0002116102 creators_nim: NIDN0012118004 creators_id: agisnasitisofiyanti@upi.edu creators_id: ajangmulyadi@upi.edu creators_id: arvian.triantoro@upi.edu contributors_type: http://www.loc.gov/loc.terms/relators/THS contributors_type: http://www.loc.gov/loc.terms/relators/THS contributors_name: Ajang MulyadI, - contributors_name: Arvian Triantoro, - contributors_nidn: NIDN0002116102 contributors_nidn: NIDN0012118004 contributors_id: ajangmulyadi@upi.edu contributors_id: arvian.triantoro@upi.edu title: PENGARUH KREDIT BERMASALAH DAN LIKUIDITAS TERHADAP PROFITABILITAS : Bank Umum Konvensional Yang Terdaftar Di Otoritas Jasa Keuangan 2020 - 2024 ispublished: pub subjects: HF5601 subjects: HG subjects: L1 divisions: PAK full_text_status: restricted 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. note: 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 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 date: 2025-09-11 date_type: published institution: Universitas Pendidikan Indonesia department: KODEPRODI87209#Pendidikan Akuntansi_S1 thesis_type: other thesis_name: other official_url: https://repository.upi.edu/ related_url_url: https://perpustakan.upi.edu related_url_type: org citation: 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. document_url: http://repository.upi.edu/139172/7/S_PEA_2106784_TITLE.pdf document_url: http://repository.upi.edu/139172/1/S_PEA_2106784_Chapter1.pdf document_url: http://repository.upi.edu/139172/2/S_PEA_2106784_Chapter2.pdf document_url: http://repository.upi.edu/139172/3/S_PEA_2106784_Chapter3.pdf document_url: http://repository.upi.edu/139172/4/S_PEA_2106784_Chapter4.pdf document_url: http://repository.upi.edu/139172/5/S_PEA_2106784_Chapter5%20.pdf document_url: http://repository.upi.edu/139172/6/S_PEA_2106784_Appendik.pdf