Pengaruh Loan to Deposit Ratio, Operating Expense, Return on Assets, Inflation, dan Bank Size terhadap Non Performing Loan pada Bank Umum Konvensional yang Terdaftar di BEI Periode 2020-2023

Abstract

This study aims to examine the influence loan to deposit ratio, operating expense, return on assets, inflation, and bank size on non performing loan in conventional commercial banks listed on the Indonesia Stock Exchange (IDX) from 2020 to 2023. This research is a quantitative associative study. The population consists of conventional commercial banks listed on the IDX during the 2020–2023 period. The sample was selected using purposive sampling, resulting in 30 companies and a total of 120 data observations. The type of data used is secondary quantitative data, and data collection was carried out through documentation methods. The data analysis technique employed is Multiple Linear Regression Analysis, processed using the IBM SPSS Statistics 22. The research results show that partially there is an influence of operating expense and return on assets on non performing loan and there is no significant influence between loan to deposit ratio, inflation, and bank size on non performing loan. Simultaneous results show that there is a simultaneous influence of loan to deposit ratio, operating expense, return on assets, inflation, and bank size on non performing loan.