Mengeksplorasi Pengaruh Capital Adequacy Ratio, Non Performing Loan, dan Loans to Deposit Ratio dalam Memprediksi Kondisi Bermasalah pada Bank Perkreditan Rakyat
DOI:
https://doi.org/10.37385/msej.v5i2.1608Keywords:
CAR (Capital Adequacy Ratio), NPL (Non Performing Loan), LDR (Loans to Deposit Ratio), Bank Perkreditan Rakyat (BPR)Abstract
Penelitian ini dilakukan untuk menguji pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), dan Loans to Deposit Ratio (LDR) terhadap kondisi bermasalah pada sektor perbankan, dengan fokus khusus pada Bank Perkreditan Rakyat (BPR) di Provinsi Riau. Populasi penelitian ini mencakup 34 Bank Perkreditan Rakyat, dan teknik purposive sampling digunakan untuk memilih 24 Bank Perkreditan Rakyat yang memenuhi kriteria yang ditentukan. Metode analisis data menggunakan Ordinary Least Squares melalui Eviews 12, dengan menggunakan data panel dari tahun 2018-2022. Temuan penelitian menunjukkan bahwa Non Performing Loan (NPL) secara signifikan berpengaruh terhadap kondisi bermasalah pada Bank Perkreditan Rakyat di Provinsi Riau. Namun, Capital Adequacy Ratio (CAR) dan Loans to Deposit Ratio (LDR) tidak menunjukkan pengaruh yang signifikan terhadap kondisi bermasalah pada Bank Perkreditan Rakyat di Provinsi Riau.
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