Pengaruh Non Performing Loan (NPL), Beban Operasional terhadap Pendapatan Operasional (Bopo), Capital Adequacy Ratio (Car), dan Dana Pihak Ketiga (DPK) terhadap Kredit Modal Kerja pada Bank Umum Konvensional di Indonesia Periode 2017-2021

Abstract

This study aims to determine the effect of Non Performing Loans (NPL), Operating Expenses on Operating Income (BOPO), Capital Adequacy Ratio (CAR) and Third Party Funds (DPK) on Working Capital Loans at conventional commercial banks in Indonesia for the 2017-2021 period. This type of research is descriptive research with a quantitative approach. The number of samples used is 33 samples which are conventional commercial banks in Indonesia. The method of data analysis in this study is multiple linear regression analysis using data processing tools with the SPSS application program. Hypothesis testing was carried out using the coefficient of determination test (R2), simultaneous significance test (F test), and partial test (t test).The results of this study indicate that simultaneously NPL, BOPO, CAR and DPK have a significant effect on Working Capital Credit. Partially, NPL is significant and has a negative effect on Working Capital Credit, BOPO is significant and has a negative effect on Working Capital Credit, CAR is significant and has a positive effect on Working Capital Credit, DPK is not significant and has a positive effect on Working Capital Credit. The coefficient of determination (R2) in this study was 11,2% and the remaining 88.8% was the influence of other factors not examined in this study.