Pengaruh Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR), Beban Operasional Pendapatan Operasional (BOPO), Inflasi dan Suku Bunga SBI Terhadap Non Performing Loan (NPL) pada Bank Umum di Indonesia (Studi Empiris pada Perusahaan Perbankan Umum yang Terdaftar di Bursa Efek Indonesia Periode 2020-2022)

Abstract

This research aims to examine the effect of capital adequacy ratio (CAR), loan to deposit (LDR), operating expenses on operating income (BOPO), inflation and SBI interest rates on non-performing loans (NPL) in commercial banks listed on the Indonesia Stock Exchange with an observation period of 2020-2022. The sampling method is a saturated sample method so that the total sample is 42 companies using a documentary data collection method. By using multiple linear regression analysis, the results of this study show that partially CAR and LDR have a significant positive effect on NPL, inflation has a significant negative effect on NPL, BOPO and SBI interest rates do not have a significant effect on NPL. Furthermore, the results of this research show that CAR, LDR, BOPO, inflation and SBI interest rates simultaneously influence NPL.