<![CDATA[ABSTRACTBanks make money via lending. This study examines the effect of non-performing loans on state-owned commercial banks trading on the Indonesia Stock Exchange (IDX) from 2011 to 2020. This study analyzed state-owned commercial banks' performance from 2011 to 2020 using secondary data from IDX. Analyses include panel data regression, a classical assumption test, a coefficient of determination, and hypothesis testing. The F test shows that bad and new loans affect earnings equally. Non-performing loans negatively and considerably impact on profitability for state-owned commercial banks listed on the Indonesia Stock Exchange, whereas partial credit distribution has no effect.Keywords: Non-performing Loans; Credit Distribution; and Profitability. ABSTRAKBank menghasilkan uang melalui pinjaman. Penelitian ini menguji pengaruh kredit bermasalah terhadap bank BUMN di Bursa Efek Indonesia dari tahun 2011-2020. Penelitian ini menganalisis kinerja bank BUMN dari tahun 2011-2020 menggunakan data sekunder dari Bursa Efek Indonesia. Analisis meliputi regresi data panel, uji asumsi klasik, koefisien determinasi dan uji hipotesis. Uji F menunujukkan bahwa kredit macet mempengaruhi pendapatan. Kredit bermasalah berdampak negatif terhadap profitabilitas bank BUMN yang terdaftar di Bursa Efek Indonesia, sedangkan secara parsial penyaluran kredit tidak berpengaruh.Kata Kunci: Kredit Bermasalah, Penyaluran Kredit dan Profitabilitas]]>
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