Pengaruh LDR dan NPL terhadap CKPN

Abstract

This research is motivated by the data on the average CKPN in conventional banks for the 2015-2019 period, which have a CKPN value that is not in accordance with the provisions set by Bank Indonesia, namely at least 1%. This study aims to determine the effect of Loan Deposit Ratio and Non-performing Loans on Allowance for Impairment Losses in Conventional Banks Listed on the Indonesia Stock Exchange for the period 2015-2019. The sampling technique used in this study was purposive sampling method. With the total sample in this study were 8 conventional banks. The analytical method used is multiple linear analysis method which is tested first by classical assumptions consisting of normality test, multicolonierity test, heteroscedasticity test, autocorrelation test, linearity test and correlation test, while hypothesis testing is carried out by using F test and t test. The results of the study found that LDR had a negative effect on CKPN, while NPL had a positive effect on CKPN. In addition, the R square value is obtained of 0.389 or 38.9%. This means that 61.1% is influenced by other variables not included in this research model.