PENGARUH NON PERFORMING LOAN RATIO, DAN NET INTEREST MARGIN TERHADAP PROFITABILITAS (STUDI PADA PT. BPR DI KABIPATEN JEMBER)

Authors

  • Miryam Alawiyah STIE WIdya Gama Lumajang

Keywords:

Net Performing Loans, Loan to Deposit Ratio, Net Interest Margin, profitability, and Return on Assets

Abstract

This study aims to determine the effect of Net Performing Loans, Loan to Deposit Ratio, and Net Interest Margin on profitability. Profitability is proxied by Return On Assets (ROA). Whereas the factor for the existence of Net Performing Loans (NPL) is proxied by non-performing loans, for the Loan to Deposit Ratio (LDR) factor is proxied by third party fund distribution, and the Net Interest Margin (NIM) factor is net interest income proxied. The population in this study amounted to 25 Rural Banks in the Jember Regency and for the study sample were 19 People's Credit Banks in the Jember Regency, which were selected using the purposive sampling method for the 20172018 period. Data were analyzed using multiple linear regression. Based on the test results it was concluded that the components of the Net Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) affect the profitability using the Return on Assets (ROA) ratio. This proves that Non-Performing Loans (NPL), Loans to Deposit Ratio (LDR), and Net Interest Margin (NIM) can be used to measure how much income the bank earns.

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Published

2021-03-10

Issue

Vol. 3 No. 3 (2021): Maret 2021

Section

Articles

License

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