NITA, DELA (2021) PENGARUH NON PERFORMING LOAN (NPL), LOAN TO DEPOSIT RATIO (LDR) DAN INFLASI TERHADAP KINERJA KEUANGAN BANK UMUM YANG TERDAFTAR DI LQ45 PERIODE 2014-2019. S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to analyze the influence of internal factors such as credit risk with the Non Performing Loan (NPL) ratio and liquidity risk with the Loan to Deposit Ratio (LDR) ratio and external factors such as inflation and their impact on banking financial performance. The population in this study were 6 commercial banks registered in LQ45 in the 2014-2019 period. The sample used is 5 commercial banks based on the sampling technique, namely census sampling where the sample is used if it meets several predetermined criteria. The data collection method uses the documentation method, by searching for and collecting data obtained from the company's annual financial statements. This study proves that the Non Performing Loan (NPL) has a significant negative effect on Return On Assets (ROA). Loan to Deposit Ratio (LDR) has no significant positive effect on Return On Assets (ROA). Inflation has a significant positive effect on Return On Assets (ROA). Keywords : Non Performing Loans (NPL), Loan To Deposit Ratio (LDR), Inflation, Return On Assets (ROA), Panel data regression. Penelitian ini bertujuan untuk menganalisis pengaruh faktor internal seperti risiko kredit dengan rasio Non Performing Loan (NPL) dan risiko likuiditas dengan rasio Loan To Deposit Ratio (LDR) dan faktor eksternal seperti inflasi beserta dampaknya terhadap kinerja keuangan perbankan. Populasi dalam penelitian ini adalah 6 Bank umum yang terdaftar di LQ45 pada periode 2014-2019. Sampel yang dipergunakan sebanyak 5 Bank Umum berdasarkan dengan teknik pengambilan sampel yaitu sampling sensus dimana sampel digunakan apabila memenuhi beberapa kriteria yang telah ditentukan. Metode pengumpulan data menggunakan metode dokumentasi, dengan cara mencari dan mengumpulkan data yang diperoleh dari laporan keuangan tahunan perusahaan. Penelitian ini membuktikan bahwa Non Performing Loan (NPL) berpengaruh signifikan negatif terhadap Return On Asset (ROA). Loan To Deposit Ratio (LDR) tidak berpengaruh signifikan positif terhadap Return On Asset (ROA). Inflasi berpengaruh signifikan positif terhadap Return On Asset (ROA). Kata Kunci : Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Inflasi, Return On Asset (ROA), Regresi data panel.
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