PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, BANK SIZE TERHADAP NON PERFORMING LOAN PADA BANK UMUM

Abstract

This research axamines the effect of Capital Adequacy Ratio (CAR), Loan to Depeosit Ratio (LDR), and bank size on Non-Performing Loan (NPL) at general bank Listed on the Indonesia Stock Exchange (IDX). The research applies quantitatively. The population consists of conventional general banking listed on the IDX during 2021-2023. Furthermore, the data collection techniquw used purposive sampling, in which the sample was based on the criteria given. In line with that, thare were30 compinies from 43 conventional general banking as a sample. Moreover, the data were taken for 3 years. Therefore, 90 observation datawere collected. The data analysis technique used multiple linier regression. The result shows that Capital Adequacy Ratio (CAR) has a negative effect on Non Performing Loan (NPL). However, Loan to Deposit Ratio (LDR) has a positive effect Non Performing Loan (NPL). In contrast, bank Size did not affect Non Performing Loan (NPL)