Efektivitas Pengelolaan NPL (Non-Performing Loan) Di Lembaga Perkreditan Desa (Lpd) Desa Adat Pedawa

Abstract

This study aims to analyze the effectiveness of the management of Non-Performing Loans (NPLs) in the Pedawa Traditional Village LPD through the Non-Performing Loan (NPL) ratio, Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP) and Cost. Operational Operating Income (BOPO), the sample used in this study is financial reports for 36 months. The research was conducted using quantitative analysis methods. The results of this study explain that the Capital Adequacy Ratio (CAR) has a significant negative effect on Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP), and Operational Income Operational Costs (BOPO) have a significant effect. positive for Non-Performing Loans (NPL).

The Interest of Village Credit Institution Customers to Use the LPD Mobile Application with Trust as a Moderating Variable

“…357 Trust can strengthen the positive relationship between usefulness and customer interest in using the LPD Mobile application. This means that the greater the trust customers have, the better the impact on the usefulness effect on customer interest in using the LPD Mobile application (N. K. K. Dewi & Diatmika, 2021;Dharmayasa, 2020). Perceptions of benefits determined by users encourage LPD's satisfaction with their interest in using internet banking services.…”

“…LPD is an institution that was formed to provide convenience for the community to lend business capital and the costs of traditional activities. LPD is the only financial institution whose ownership is owned by traditional villages and financial institutions that are not subject to other regulations (N. K. K. Dewi & Diatmika, 2021;Dharmayasa, 2020). LPDs are only subject to Bali provincial regulations and customary village regulations.…”

“…In the current digital era, LPDs have also followed developments, expanding their reach by building digital LPD services in the form of LPD Mobile. This LPD financial service provides more convenience to customers (N. K. K. Dewi & Diatmika, 2021;Priyadi et al, 2021). Customers can have the LPD Mobile application by downloading/downloading on the play store.…”