ANALYSIS FACTORS OF FINANCIAL RATIO INFLUENCING NON PERFORMING LOANS IN PT. BANK RAKYAT INDONESIA (PERIOD 2007 – 2015)

Abstract

This research is conducted to analyze the influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operational Efficiency (BOPO) as independent variables toward Non-Performing Loan as dependent variable of PT Bank Rakyat Indonesia, by using quantitative analysis method. The data is used in this reserch from 2007 until 2015 quarterly (3 months). This research was using multiple linier regression and significance test using T-test for partial influence testing and F-test for simultaneous influence testing with 5% confidence level. In this research, rhe researcher use classic assumption test, which also include normality test, multiolinearity test, heteroscedacity test, and autocorelation test for testing the data that been used. The result of this research show that CAR and LDR of PT Bank Rakyat Indonesia partially do not have significant influence toward NPL, and only BOPO that partially has significant influence towards NPL. Furthermore, all independent variables altogether have significant influence toward Non-Performing Loan.