Strategi Pengelolaan Non Performing Loan Bank Umum yang Go Public

Abstract

This study aimed to analyze the effect of capital adequacy ratio, total asets, loan to deposit ratio, asset quality and operating expenses to operating income on non-performing loans at commercial banks in Indonesia Stock Exchange period 2007 to 2014. The sample used in this study is the 10 commercial banks listed in IDX. This study uses panel data regression with random effect. The study concluded that the capital adequacy ratio, loan to deposit ratio, asset quality and operating expenses to operating income have a significant effect on non-performing loans, while total asets variable has no significant effect on non-performing loans. Random effects model was used to estimate the effect deserves its capital adequacy ratio, total asets, and loan to deposit ratio, asset quality and operating expenses to operating income on non-performing loans.