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All Journal Asian Journal of Management Analytics
Andreas Martin Raja Sirait
Universitas Negeri Medan
Decision Sciences, Operations Research & Management

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Analysis of Bad Credit or Non-Performing Loan (NPL) at PT Bank Negara Indonesia (Persero) Tbk Khesya Sabilah Rizwinie; Andreas Martin Raja Sirait; Fihi Khoirani Sihotang; Patricya Damanik
Asian Journal of Management Analytics Vol. 2 No. 2 (2023): April 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v2i2.3895

Abstract

Bad credit is an important thing in the banking world because it affects the financial health of banks. This study aims to analyze the level of bad credit at PT Bank Negara Indonesia (Persero) Tbk in terms of the Non-Performing Loan (NPL) ratio. The method used in this research is qualitative. The data obtained is secondary data with quantitative data obtained from the annual report of PT Bank Negara Indonesia (Persero) Tbk for the last 15 years, starting from 2007–2022. The results of this study indicate that the highest NPL ratio level was 8.2% in 2007, and the lowest was 1.9% in 2018. The average NPL from 2007 to 2022 was 4.9%, which was included in the healthy criteria and did not endanger the bank.
Co-Authors Fihi Khoirani Sihotang Khesya Sabilah Rizwinie Patricya Damanik