ANALISIS KREDIT MACET DAN FEE BASED INCOME TERHADAP PROFITABILITAS PADA PT. BANK NEGARA INDONESIA (PERSERO) TBK CABANG MATOANGIN

Abstract

This study aims to determine the effect of: a) Non performance loan, b) fee based income on BNI bank profitability. In writing this thesis, the author uses a preliminary data analysis method, the profitability Ratio represented by the Return On Assets ratio and certain ratios that represent risks be faced by banks, especially Bank BNI Matoangin branch, to test the research hypotheses that have been previously proposed, using a regression model multiple (multiple regression). This research will examine the effect of Non performance loan end fee based income on profitability. From the results of this study it is expected to form a decision making on the risks that will be faced by banks in managing credit with non performance loan end fee based income conditions that can erode bank business profits. From a series of studies using multiple regression analysis simultaneously that non performance loan end fee based income have a significant effect on Return On Assets (ROA), and on partial testing it was found that non performence loan end fee based income have negative and significant effect on Return on Assets (ROA).