The Influence of Non-Performing Loans on Profitability at Bank Rakyat Indonesia Persero Tbk

Y. Sutisnawati*, Fifi Amalia Anggraeni
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Abstract

The purpose of this study is to obtain developments to what extent the influence of Non-Performing Loans (NPL) on Profitability (ROA). The method used in this research is descriptive and verification method by testing the hypothesis. From the research results, data analysis shows that the influence of variable X or non-performing loans on profitability is 70.4% and the remaining 29.6% is influenced by other variables not tested in this study. Besides that the t-table is still in the area of HO rejection, so HO is rejected and H1 is accepted, so it can be concluded that Non-Performing Loans have a significant effect on Profitability (ROA) at PT. Bank Rakyat Indonesia, Tbk. Therefore, through the research of PT. Bank Rakyat Indonesia, Tbk is expected to increase the profit value by taking into account the NPL value analysis. Keywords: Non-Performing Loans (NPL); Profitability (ROA); Bank; hypothesis; Profit Abstrak Tujuan penelitian ini adalah untuk memperoleh perkembangan sejauh mana pengaruh Non Performing Loan (NPL) terhadap Profitabilitas (ROA). Adapun metode yang digunakan pada penelitian ini adalah metode deskriptif dan verifikatif dengan melakukan uji hipotesis. Dari hasil penelitian analisis data menunjukkan bahwa Pengaruh variabel X atau non perfoming loan terhadap Profitabilitas sebesar 70,4% dan sisanya 29,6% dipengaruhi variabel lain yang tidak diuji dalam penelitian ini. Selain itu t-tabel masih berada didaerah penolakan HO maka HO ditolak dan H1 diterima, sehingga dapat disimpulkan Non Performing Loan berpengaruh signifikan terhadap Profitabilitas (ROA) pada PT. Bank Rakyat Indonesia, Tbk. Oleh sebab itu, melalui penelitian PT. Bank Rakyat Indonesia, Tbk ini diharapkan dapat meningkatkan nilai laba dengan memperhatikan analisis nilai NPL. Kata Kunci: Kredit bermasalah (NPL); Profitabilitas (ROA); Bank; Hipotesis; Laba
不良贷款对印尼人民银行盈利能力的影响
本研究的目的是了解不良贷款对盈利能力的影响程度。本研究所采用的方法是描述性的,并通过检验假设进行验证。从研究结果来看,数据分析显示,变量X或不良贷款对盈利能力的影响为70.4%,其余29.6%受到本研究未测试的其他变量的影响。此外,t表仍处于HO拒绝区域,因此HO被拒绝,H1被接受,因此可以得出结论,不良贷款对印尼人民银行的盈利能力(ROA)有显著影响。因此,通过印尼人民银行的研究,Tbk有望通过考虑不良贷款价值分析来提高利润价值。关键词:盈利能力(ROA);银行假设摘要利润本研究的目的是获得不良贷款(NPL)对盈利能力(ROA)的影响程度。本研究采用的方法是一种描述性的、可验证的假设检验方法。数据分析结果表明,变量X或不良贷款持有人对盈利能力的影响为70.4%,其余29.6%受本研究未测试的其他变量的影响。此外,t表仍处于拒绝HO的背景下,因此HO被拒绝,H1被接受,因此可以收集对PT的盈利能力(ROA)有重大影响的不良贷款。印尼人民银行,Tbk。因此,通过印尼人民银行的研究,通过对不良贷款价值的分析,预计该Tbk将增加蜘蛛价值。关键字:盈利能力(ROA);银行低血压腊八
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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