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