Pengaruh Tingkat Non Performing Loan dan Tingkat Kecukupan Modal Terhadap Tingkat Profitabilitas

Abstract

Abstract. The increase and decrease in the profitability of banking businesses will have anneffect on the economy of the nation because banks are critical institutions for a country's ability to enable economic activities, changes in the profitability of banking firms will haveean impact onnthe national economy. This study was conducted to examine how capital adequacy and nonperforminglloans impact the profitability of banking businesses listed on the Indonesia Stock Exchange. The research approach used the descriptive method supplemented with quantitative data analysis tools. The population of the research is made up of banking firms that were listedd on the Indonesia StockkExchange between 2017 and 2021. The ssampling approach used in this study was purposeful samplingg, which is a sample strategy based on specific criteria. The study's sample consisted of thirteen financial institutions.Secondary data is what was used.Data gathering method by documentation method. Multiple linear regression analysis is the method of data analysis. Results of statistical tests indicate that Non-performing loans and insufficient capital have a significant negative impact on profitability. It is obvious that capital sufficiency and non-performing loans are both important affect bank profitability. For banking organizations to reduce the amount of idle cash by streamlining the capital that can be used for lending.

Abstrak. Bank merupakan lembaga penting sebagai lembaga untuk memperlancar kegitan perekonomian, naik turunnya profitabilitas perusahaan perbankan akan berdampak pada perekonomian negara. Berdasarkan temuan tersebut, penelitian ini dilakukanguna mengetahui dampak kredit bermasalah dari tahun 2017 hingga 2021, dampak kredit bermasalah dan kecukupan modal terhadap profitabilitas lembaga perbankan publik swasta yang  tercatat di Bursa Efek Indonesia. Pendekatan deskriptif kuantitatif diterapkan dalam penelitian ini. Ukuran sampel penelitian ini tidak terbatas. 13 dan 5 periode (65 sampel) perusahaan perbankan. Informasi yang digunakan adalah data sekunder.Teknik pengumpulan data yang digunakan yaitu dokumentasi. Analisis data menggunakan Analisis regresi linier berganda. Berdasarkan hasil analisis Kredit bermasalah (NPL) dan modal yang tidak mencukupi berdampak besar dan negatif terhadap profitabilitas. Kredit bermasalah (NPL) dan kecukupan modaldapat menurunkan nilai profitabilitas bank. Perusahaan harus menjaga jumlah kredit bermasalah dan mengefektifkan permodalan yang mungkin digunakan untuk penyaluran kredit agar dana yang menganggur tidak berlebihan.