PENGARUH KREDIT BERMASALAH TERHADAP KINERJA KEUANGAN BPR CHRISTA JAYA PERDANA KUPANG

  • Juwita Leslsy Claudia Adu
  • Wehelmina M. Ndoen
  • Reyner F. Makatita

Abstract

The purpose of this study is to determine the influence of Nonperforming Loans to Liquidity, to
Solvability and to Profitability. This research is descriptive quantitative. Data analysis technique is
Financial Ratio Analysis. The results of this study 1) Non Performing Loan (NPL) at BPR Christa
Jaya Perdana Kupang in 2013-2016 of 8.27% is ranked 4 with the predicate "Less Good". 2) LDR
BPR Christa Jaya Perdana Kupang in 2013-2016 of 87.85% is ranked 3 with the predicate "Good
Enough". 3) CAR BPR Christa Jaya Perdana Kupang in 2013-2016 of 19.27% is ranked 1 with
the title of "Very Good". 4) ROA BPR Christa Jaya Perdana Kupang in 2013-2016 of 2.6% is
ranked 1 with the predicate "Very Good". 5) Non Performing Loan (NPL) affects the Financial
Performance of LDR, CAR and ROA. This indicates that the lower the NPL, the better the LDR,
CAR, and ROA of a bank
Keywords : Non Performing Loan, Loan to Deposit Ratio, Capital Adequacy Ratio, Return On
Asset.

Published
2019-07-27