ANALISIS RESTRUKTURISASI KREDIT, NONPERFORMING LOAN (NPL), DAN RECOVERY HAPUS BUKU KREDIT TERHADAP PROFITABILITAS (ROA) PADA PT BANK NEGARA INDONESIA (PERSERO) Tbk

  • Agussalim Agussalim Sekolah Tinggi Ilmu Ekonomi YPUP Makassar
  • Andi Syarifuddin Sekolah Tinggi Ilmu Ekonomi YPUP Makassar
  • Sutardjo Tui Sekolah Tinggi Ilmu Ekonomi YPUP Makassar

Abstract

This study aims to find out the enfluence to NonPerforming Loans (NPL), Credit Restructuring and Write-Off Recovery on Profitability (ROA) at PT. Bank Negara Indonesia (Persero) Tbk for the period 2010 - 2018. The method used in this research is descriptive quantitative. The results of data analysis with multiple linear regression (multiple regression) with SPSS version 25 regression equation Y = 3.906 - 0.134X1 - 0.136X2 + 0.001X3. which shows that NPL (X1) and Credit Restructuring (X2) show opposite (negative) attitudes towards Profitability (ROA) while Credit Book Write-Off Recovery (X3) shows a direct (positive) effect on Profitability (ROA). Hypothesis testing is the F test for simultaneous test and t test for partial test with a significance level of 5%. Based on the research results, it can be ignored that there is a simultaneous influence between NonPerforming Loans (NPL), Credit Restructuring and Write-Off Recovery on Return On Asset (ROA), and partially there is no significant effect shown by NPL and Write-Off Recovery on Profitability (ROA)) while Credit Restructuring has no significant effect on Profitability (ROA)

Published
2020-12-30
How to Cite
AGUSSALIM, Agussalim; SYARIFUDDIN, Andi; TUI, Sutardjo. ANALISIS RESTRUKTURISASI KREDIT, NONPERFORMING LOAN (NPL), DAN RECOVERY HAPUS BUKU KREDIT TERHADAP PROFITABILITAS (ROA) PADA PT BANK NEGARA INDONESIA (PERSERO) Tbk. MM Journal, [S.l.], v. 1, n. 2, p. 47-55, dec. 2020. Available at: <http://ojs.stkip-ypup.ac.id/index.php/MM/article/view/707>. Date accessed: 16 aug. 2022.
Section
Articles