PENGARUH BI-RATE DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP KREDIT BERMASALAH PADA BANK UMUM BUMN
DOI:
https://doi.org/10.22219/jie.v4i3.12877Keywords:
Bi-Rate, Loan To Deposit Ratio (LDR), Non-Performing Loans (NPL), Panel Data RegressionAbstract
This study aims to analyze the effect of the BI-Rate and Loan To Deposit Ratio (LDR) on Non Performing-Loans (NPL) at state-owned commercial banks. This study uses secondary data sources obtained using the documentation method. The samples in this study were 4 BUMN banks with saturated or census sampling techniques. The period used in this study was 15 years, from 2005 - 2019. The analysis technique used was Panel Data Regression.
The results of the study simultaneously and partially show that the independent variable significantly influences the Non Performing Loan (NPL), the BI-Rate Variable has a significant positive effect on the probability amounting to 0.0119, while the Loan To Deposit Ratio (LDR) variable has a significant negative effect on the probability amounting to 0.0000.Downloads
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