Global Financial Accounting Journal
Vol 5 No 2 (2021)

Pengaruh Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap Kinerja Keuangan Perbankan

Weny Putri (Universitas Katolik Musi Charitas)
Feby Astrid Kesaulya (Universitas Katolik Musi Charitas)
Khairunnisa Khairunnisa (Universitas Katolik Musi Charitas)

Article Info

Publish Date
31 Oct 2021

Abstract

This study aims to identify whether financial ratios as measured by non-performing loans (NPL) and Loan To Deposit Ratio (LDR) have an effect on financial performance which is proxied by Net Interest Margin (NIM). The results of this study found that the level of bad loans or NPLs had a negative effect on financial performance. This is because the Bank's income does depend on the receipt of loan interest from the Customer. Meanwhile, LDR does not have a positive effect on financial performance with the assumption that a low LDR will cause the company's liquidity to increase and in the end it will also increase the quantity of idle funds which will have a direct impact on financial performance.

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Journal Info
Global Financial Accounting Journal
Website

Abbrev

gfa

Publisher

Universitas Internasional Batam

Subject

Economics, Econometrics & Finance

Description

Global Financial Accounting Journal is a journal of research in accounting and finance which is published by Departement of Acounting, Batam International University regularly. This journal is published twice a year. The publication of this journal is intended to publish writings in accounting and ...