Pengaruh Loan to Deposit Ratio, Rasio Kecukupan Modal, Beban Operasional Pendapatan Operasional (BOPO), Ukuran Bank, dan Return on Asset terhadap Kredit Bermasalah pada Bank Umum yang Terdaftar di BEI Tahun 2018-2022 (Studi Data Panel)

Abstract

This study aims to determine the effect of Loan to Deposit Ratio, Capital Adequacy Ratio, Operational Expenses Operational Income, Bank Size, and Return On Asset on Credit Problems incommercial banks listed on the Indonesia Stock Exchange in 2018 – 2022. This type of research iscausal research, which uses Population data from commercial listed on the Indonesia Stock Exchangefor 2018 – 2022. The sampling method used in this research is purposive sampling and 42 banks passedthe criteria as the sample with 210 observations. The results of the study show that Loan to DepositRatiohasno significant effect on Credit Problems, Capital Adequacy Ratio has negative and significant effect on Credit Problems, Operational Expenses Operational Income has positive and significant effecton Credit Problems, Bank Size has no significant effect on Credit Problems, and Return On Asset has negative and significant effect on Credit Problem. Simultantly, Loan to Deposit Ratio, Capital Adequacy Ratio, Operational Expenses Operational Income, Bank Size, and Return On Asset have a significant effect on Credit Problems in commercial banks listed on the Indonesia Stock Exchange in 2018 – 2022.