Analysis of Non-Performing Loans in PT. Bank Rakyat Indonesia (Persero) Tbk, Unit Lubuk Begalung 2019-2020

Journal of Accounting and Finance Management Pub Date : 2021-09-14 DOI:10.38035/jafm.v2i4.139

Dety Lafera

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Abstract

Banks in general, in carrying out their operations to obtain business results, are always faced with a risk. One of the risks experienced by a bank is the large ratio of non-performing loans or what is called Non-Performing Loans/NPLs. Based on Bank Indonesia regulations, a bank has a dangerous potential if the bank has an NPL ratio of more than 5%. This study aims to analyze the level of non-performing loans at PT. Bank Rakyat Indonesia (Persero) Tbk Lubuk Begalung Padang Unit in 2019-2020. This research was conducted using quantitative methods. The data used in this study are the total number of loans (BRIGuna, KUPEDES, KUR) and the number of loans experiencing problems (BRIGuna, KUPEDES, KUR) in 2019-2020. This study uses trend analysis as a data analysis tool. From the results of a partial analysis, BRIGuna's NPL level for 2019-2020 was 0, respectively, in very healthy conditions and 15.62% in unhealthy conditions. BRIGuna's NPL increased by 156% in 2019-2020. The KUPEDES NPL level for 2019-2020 is 5.35% for unhealthy conditions and 2.15% for healthy conditions respectively. KUPEDES's NPL decreased in 2019-2020 by 59.82%. BRIGuna's NPL increased by 156% in 2019-2020. The KUR NPL rate for 2019-2020 was 4.04% each. with fairly healthy conditions and 2.07% with healthy conditions. KUR NPLs decreased in 2019-2020 by 48.74%.

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印尼人民银行(Persero) Tbk的不良贷款分析，Unit Lubuk Begalung 2019-2020

一般来说，银行在开展业务以取得经营成果的过程中，总是面临着风险。银行面临的风险之一是不良贷款的大比例或所谓的不良贷款/NPLs。根据印尼银行的规定，如果一家银行的不良贷款率超过5%，那么这家银行就具有潜在的危险。本研究旨在分析PT. Bank Rakyat Indonesia (Persero) Tbk Lubuk Begalung Padang Unit在2019-2020年的不良贷款水平。本研究采用定量方法进行。本研究使用的数据是2019-2020年的贷款总数(BRIGuna, KUPEDES, KUR)和遇到问题的贷款数量(BRIGuna, KUPEDES, KUR)。本研究使用趋势分析作为数据分析工具。从部分分析的结果来看，布里古纳2019-2020年的不良贷款水平在非常健康的条件下分别为0，在不健康的条件下为15.62%。布里古纳的不良贷款在2019-2020年增长了156%。KUPEDES 2019-2020年的不良贷款水平在不健康条件下分别为5.35%和2.15%。KUPEDES的不良贷款在2019-2020年下降了59.82%。布里古纳的不良贷款在2019-2020年增长了156%。2019-2020年的KUR不良率分别为4.04%。健康状况良好的占2.07%。kul的不良贷款在2019-2020年下降了48.74%。

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Journal of Accounting and Finance Management

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