Analisis Non Performing Loan (NPL) Pada Bank BRI Tbk

Aristianti, Astri; Nurulrahmatiah, Nafisah

doi:10.32493/drb.v4i5.12774

Cited by 3 publications

(3 citation statements)

References 1 publication

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“…Sehingga apabila rasio kredit yang bermasalah atau macet ini tinggi, maka semakin rendah atau turun kualitas pinjaman bank karena adanya dan timbulnya keuntungan bunga bank yang hilang. Bank Indonesia menetapkan tingkat kredit pinjaman yang bermasalah bank yang paling sesuai adalah 5% (Aristianti & Nurulrahmatiah, 2021) . Menurut (Winarso, Gunanta, & Prayitno, 2020) Dari data yang dianalisis, diperoleh informasi rata-rata ROA adalah sebesar 1,73% adanya standar deviasi sebesar 6,37%, rata-rata LDR adalah sebesar 66,32% dengan standar deviasi sebesar 16,20%, dan rata-rata NPL adalah sebesar 6,81% dan standar deviasi sebesar 1,62%.…”

Section: Metode Penelitianunclassified

Pengaruh Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) Terhadap Profitabilitas pada Bank Perkreditan Rakyat (BPR) di Kabupaten Sidoarjo, Jawa Timur Tahun 2019-2021

Prihatinto

Setiadi

2023

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This study aims to determine the effect of non-performing loan (NPL) and Loan to Deposit Ratio (LDR) variables on the profitability of Rural Banks in Sidoarjo Regency as proxied by Return On Assets (ROA) for the 2019-2021 period. The sampling technique uses purposive sampling method with certain criteria, namely Rural Banks (BPR) that have been registered with the Financial Services Authority (OJK). The type of data used is secondary data, namely data on the publication reports of Conventional BPRs on the ojk.go.id website. 2019-2021 period. This research data analysis technique uses multiple linear regression analysis. The samples used in this study amounted to 30 Rural Banks (BPR) registered with the Financial Services Authority (OJK). The results showed that Non Performing Loan (NPL) has a negative effect on profitability and Loan to Deposit Ratio (LDR) has a positive effect on profitability.

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Section: Metode Penelitianunclassified

Pengaruh Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) Terhadap Profitabilitas pada Bank Perkreditan Rakyat (BPR) di Kabupaten Sidoarjo, Jawa Timur Tahun 2019-2021

Prihatinto

Setiadi

2023

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“…Semakin tinggi rasio kredit bermasalah, semakin rendah kualitas kredit bank karena imbal hasil kredit macet hilang dan keuntungan bank hilang. Dalam hal ini, Bank Indonesia menetapkan tingkat kredit bermasalah bank yang sesuai adalah 5% (Aristianti & Nurulrahmatiah, 2021). Menurut Winarso, Gunanta, & Prayitno, (2020) Riyadi mengemukakan bahwa "NPL memiliki dua jenis yang berbeda, yaitu NPL Gross dan NPL Neto.…”

Section: Kredit Bermasalah (Non Performing Loan)unclassified

Analisa Rasio NPL Dan Kap Terhadap Profitabilitas Pada Pt BPR Supra Artapersada Di Sukabumi Jawa Barat

Supeno¹

2022

equilib. j. ilm. ekon. manaj. akunt.

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AbstrakDi tengah krisis ekonomi sebagai dampak pandemi covid-19 pada tahun 2020 dan 2021, industri BPR berupaya untuk bisa bertahan dan tetap tumbuh secara sehat. Penelitian ini bertujuan untuk mengetahui perkembangan kinerja keuangan BPR berhubungan dengan kinerja penyaluran kredit yang meliputi rasio Non Performing Loan (NPL), Kualitas Aktiva Produktif (KAP) dan profitabilitas sebelum dan pada masa pandemi. Objek penelitian ini adalah PT BPR Supra Artapersada, sebuah lembaga keuangan Bank Perkreditan Rakyat yang berlokasi di Sukabumi Jawa Barat yang dinilai berhasil melewati masa krisis pandemi pada tahun 2020 dan 2021 dengan kinerja penyaluran kredit yang sehat. Penelitian ini menggunakan metode deskriptif kualitatif. Teknik analisa penelitian menggunakan analisa trend berdasarkan data keuangan sekunder periode Desember 2018, 2019, 2020 dan 2021 yang dipublikasikan BPR pada laman website bprsupra.com. Berdasarkan hasil penelitian, PT BPR Supra Artapersada memiliki kinerja rasio Non Performing Loan (NPL), Kualitas Aktiva Produktif (KAP) dan Profitabilitas yang sehat sekalipun mengalami perlambatan pertumbuhan pada tahun 2020 dan 2021. Penelitian ini menghasilkan kesimpulan bahwa tingkat kesehatan rasio Non Performing Loan (NPL) dapat menentukan pendapatan bunga dan kualitas aktiva produktif menentukan jumlah pembentukan penyisihan penghapusan aktiva produktif (PPAP) yang mengakibatkan beban penyisihan penghapusan aktiva produktif mengalami peningkatan sehingga dapat menurunkan kemampuan BPR memperoleh profitabilitas. Kata Kunci: Rasio Non Performing Loan, Kualitas Aktiva Produktif, Profitabilitas AbstractIn the midst of the economic crisis as a result of the Covid-19 pandemic in 2020 and 2021, the BPR industry is trying to survive and continue to grow healthily. This study aims to determine the development of BPR's financial performance in relation to the performance of credit distribution which includes the ratio of Non-Performing Loans (NPL), Quality of Productive Assets (KAP) and profitability before and during the pandemic. The object of this study is PT BPR Supra Artapersada, a financial institution of The Rural Bank located in Sukabumi, West Java, which is considered successful in passing the pandemic crisis period in 2020 and 2021 with healthy credit distribution performance. This research uses qualitative descriptive method. The research analysis technique uses trend analysis based on secondary financial data for the period of December 2018, 2019, 2020 and 2021 published by BPR on the bprsupra.com website page. Based on the results of the study, PT BPR Supra Artapersada has a performance ratio of Non Performing Loan (NPL), Quality of Productive Assets (KAP) and Healthy Profitability even though it experienced a slowdown in growth in 2020 and 2021. This study resulted in the conclusion that the health level of the Non-Performing Loan (NPL) ratio can determine interest income and the quality of productive assets determine the amount of formation of the allowance for the write-off of productive assets (PPAP) which results in an increase in the burden of allowance for the write-off of productive assets so as to reduce the ability of rural banks to obtain profitability.Keywords: Non Performing Loan Ratio, Quality of Productive Assets, Profitability

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“…dapat mengelola dengan baik untuk kredit yang diberikan pada nasabah. Kajian tersebut sesuai dengan Firmansyah & Sam (2022) dan Aristianti & Nurulrahmatiah (2021) bahwa NPL Bank BRI Tbk. terkategori baik dikarenakan dibawah standar 5% yakni dengan rata-rata sebesar 2,19.…”

Section: Pembahasanunclassified

Analisis Non Performing Loan pada PT Bank BRI tbk

Yuniar

Suherman

Epty

2022

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This study aims to determine, analyze, and explain how big the Non Performing Loan (NPL) at Bank BRI Tbk.. This research is a descriptive research, namely research conducted to determine the value of independent variables, either one or more variables without making comparisons or connecting one variable to another. This study uses secondary data from the financial statements of Bank BRI Tbk. taken from the Indonesia Stock Exchange from 2012 to 2021. The technique used in this research is purposive sampling technique. The data analysis technique uses financial analysis and descriptive analysis using the IBM SPSS Statistics 26 analysis tool with the results of this study that Non Performing Loan (NPL) at Bank BRI with an average of 2.19 means Non Performing Loan (NPL) Bank BRI Tbk. below the standard criteria set 5% can be said to be good.

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Analisis Non Performing Loan (NPL) Pada Bank BRI Tbk

Cited by 3 publications

References 1 publication

Pengaruh Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) Terhadap Profitabilitas pada Bank Perkreditan Rakyat (BPR) di Kabupaten Sidoarjo, Jawa Timur Tahun 2019-2021

Pengaruh Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) Terhadap Profitabilitas pada Bank Perkreditan Rakyat (BPR) di Kabupaten Sidoarjo, Jawa Timur Tahun 2019-2021

Analisa Rasio NPL Dan Kap Terhadap Profitabilitas Pada Pt BPR Supra Artapersada Di Sukabumi Jawa Barat

Analisis Non Performing Loan pada PT Bank BRI tbk

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