Pengaruh Capital Adequacy Ratio dan Non Performing Loan terhadap Pertumbuhan Sektor Perbankan di Indonesia Periode 2010-2022

Abstract

This study aims to determine the influence of capital adequacy ratio and non-performing loan on the growth of the banking sector in Indonesia from 2010 to 2022. This research is of an associative nature with a quantitative approach. The type of data used in this study is secondary data consisting of capital adequacy ratio, non-performing loan, and banking sector growth data. The analysis technique employed is multiple linear regression using SPSS. The results of this study indicate that the capital adequacy ratio has a positive and significant effect on the growth of the banking sector in Indonesia from 2010 to 2022, as measured by return on asset. Non-performing loans have a negative and significant effect on the growth of the banking sector in Indonesia from 2010 to 2022, as measured by return on asset. Both capital adequacy ratio and non-performing loans have a positive and significant effect on the growth of the banking sector in Indonesia from 2010 to 2022, as measured by return on asset.