Pengaruh Non Performing Loan, Loan To Total Asset, Net Interest Margin, dan Return on Asset terhadap Capital Buffer (Studi Analisis Data Panel pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2018-2022)

Abstract

This study aims to determine and analyze the effect of non performing loan, loan to total asset, net interest margin, and return on asset on capital buffers in banking companies listed on the Indonesia Stock Exchange. This type of research is causal associative and the type of data used is quantitative. The population in this study were all property and real estate companies listed on the Indonesia Stock Exchange in 2018-2022. The sample in this study amounted to 28 companies. The sampling method in this study used purposive sampling method. The data analysis technique used is descriptive statistical analysis, classical assumption test, panel data regression test, and hypothesis testing. The results of this study prove that partially, non performing loan has a negative and insignificant effect on capital buffer, loan to total asset has a negative and insignificant effect on capital buffer, and net interest margin and return on asset have a positive and insignificant effect on capital buffer in banking companies listed on the Indonesia Stock Exchange in 2018- 2022. This study proves that simultaneously, non performing loan, loan to total asset, net interest margin, and return on asset on capital buffer in banking companies listed on the Indonesia Stock Exchange in 2018-2022.