The Effect of Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) Return on Assets (ROA) in PT. Bank Sulselbar

Economics and Business Journal (ECBIS) Pub Date : 2023-04-13 DOI:10.47353/ecbis.v1i3.32

Vira Ayustina, Chalid Imran Musa, Nurman, Anwar, Ahmad Ali

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Abstract

The purpose of this research is totest and analyze the effect of Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) at PT. Sulselbar Bank. The techniques for collecting secondary data are obtained from the Financial Data at PT. Sulselbar Bank. The population is the financial statements at PT. Bank Sulselbar from August 2017 to December 2021, and the samples taken are monthly data for 4 (four) years and 5 (five) months. So, the amount of data obtained is 53. The results of the research have been tested on classic assumptions such as the assumption of normality, the assumption of multicollinearity and the assumption of heteroscedasticity. By applying multiple linear regression techniques in the process of analyzing the data. The results showed that partially Non Performing Loans (NPL) had a negative and insignificant effect on Return on Assets (ROA) and Loan To Deposit Ratio (LDR) had a positive and insignificant effect on Return on Assets (ROA). Simultaneously Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR) have a positive effect

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不良贷款(NPL)和存贷比(LDR)对PT. Bank Sulselbar资产收益率(ROA)的影响

本研究的目的是测试和分析PT. Sulselbar银行的不良贷款(NPL)和存贷比(LDR)对资产回报率(ROA)的影响。收集二手数据的技术是从PT. Sulselbar银行的财务数据中获得的。人口为PT. Bank Sulselbar从2017年8月至2021年12月的财务报表，样本为4(4)年和5(5)个月的月度数据。因此，获得的数据量为53。对研究结果进行了正态性假设、多重共线性假设和异方差假设等经典假设的检验。在数据分析过程中应用多元线性回归技术。结果表明，部分不良贷款(NPL)对资产收益率(ROA)的影响为负且不显著，存贷比(LDR)对资产收益率(ROA)的影响为正且不显著。同时，不良贷款(NPL)和存贷比(LDR)也有积极的影响

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Economics and Business Journal (ECBIS)

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