ANALISIS PENGARUH KREDIT, BEBAN OPERASIONAL SERTA NON PERFORMING LOANS TERHADAP MODAL DI PT. BANK PANIN, TBK.
Credit is a source of revenue and profits for banks. Credit also is an activity that cause the
problem to the banks. We know that the largest revenue in the bank that can affect the capital is the
interest come from lending. The increasing of the loan portfolio will increase the interest income
gained, increasing of the revenue will cover the entire load including the non-performing loan
(NPL). After deducting income and the burden of non-performing loans (NPL), it will acquire
profit. Since the loan portfolio provides different income, each bank made different lending policies
in order to increase the amount of capital, although there are other income excluding interest, for
example: administrative costs of savings and transfer services.
Keywords : Credit, Operating Expenses, Non-performing loan (NPL), Bank Capital.