Pengaruh Capital Adequacy Ratio, Net Interest Margin, Pertumbuhan Kredit, dan Deposit Interest Rate terhadap Loan Loss Provision pada Bank Konvensional Yang Terdaftar di BEI Tahun 2020-2023

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio, Net Interest Margin, Credit Growth, and Deposit Interest Rate on Loan Loss Provision in conventional banks listed on the IDX in 2020-2023. The population in this study are conventional banks listed on the IDX in 2020-2023. The sampling technique in this study used purposive sampling with a data analysis model using the SPSS version 31 application. The number of samples used in this study that have met the sampling criteria is 66 banks. The results obtained from this study indicate that partially, capital adequacy ratio, credit growth, and deposit interest rate have no influence on loan loss provision in conventional banks, while net interest margin has a positive influence on loan loss provision in conventional banks listed on the IDX.