PENGARUH PROFITABILITAS, LIKUIDITAS, DAN EFISIENSI OPERASIONAL TERHADAP NON PERFORMING LOAN BANK BUMD KONVENSIONAL SEINDONESIA (PERIODE 2022-2024)

Nur Said, Dzulfikar Arif (2026) PENGARUH PROFITABILITAS, LIKUIDITAS, DAN EFISIENSI OPERASIONAL TERHADAP NON PERFORMING LOAN BANK BUMD KONVENSIONAL SEINDONESIA (PERIODE 2022-2024). Skripsi thesis, Universitas BPD.

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Abstract

The study aims to analyze and prove the impact of profitability, measured by Net Interest Margin (NIM), liquidity, measured by the Loan to Deposit Ratio (LDR), and operational efficiency, measured by the Operating Expenses to Operating Income Ratio (BOPO), on the level of Non-Performing Loan (NPL) in conventional Regional Development Banks (Bank BUMD) across Indonesia. This research was conducted due to the increase in NPLs in several Bank BUMDs after the COVID-19 credit restructuring policy was revoked in March 2024. The population in this study covers all conventional Bank BUMDs in Indonesia , and the sample used consists of 20 banks, selected using the purposive sampling method. This study employs a descriptive quantitative approach and the multiple linear regression analysis method. With the results of NIM having a negative and insignificant effect on NPL, LDR having a negative and significant effect on NPL, BOPO having a positive and significant effect on NPL.

Item Type:	Thesis (Skripsi)
Additional Information:	Penelitian ini bertujuan untuk menganalisis dan membuktikan dampak dari profitabilitas yang diukur melalui Net Interest Margin (NIM), likuiditas yang diukur dengan Loan to Deposit Ratio (LDR), serta efisiensi operasional yang diukur dengan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap tingkat Non-Performing Loan (NPL) pada bank BUMD konvensional di seluruh Indonesia. Penelitian ini dilakukan karena adanya kenaikan NPL di beberapa bank BUMD setelah kebijakan restrukturisasi kredit COVID-19 dicabut pada bulan Maret 2024. Populasi dalam penelitian ini mencakup seluruh bank BUMD konvensional di Indonesia, dan sampel yang digunakan sebanyak 20 bank, dipilih dengan metode purposive sampling. Penelitian ini menggunakan pendekatan kuantitatif deskriptif serta metode analisis regresi linear berganda. Dengan hasil NIM berpengaruh negatif dan tidak signifikan terhadap NPL, LDR berpengaruh negatif dan signifikan terhadap NPL, BOPO berpengaruh positif dan signifikan terhadap NPL.
Uncontrolled Keywords:	NPL, NIM, LDR, BOPO, Bank BUMD
Subjects:	H Social Sciences > HA Statistics H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance
Divisions:	Faculty of Law, Arts and Social Sciences > School of Management
Depositing User:	Wisudawan S1
Date Deposited:	18 Mar 2026 04:26
Last Modified:	18 Mar 2026 04:26
URI:	http://eprints.stiebankbpdjateng.ac.id/id/eprint/3113

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