Analisis Risiko Kredit (NPL) dan Risiko Likuiditas (LDR) Terhadap Profitabilitas (ROA) Perbankan di Indonesia
DOI:
https://doi.org/10.63822/r6exq386Keywords:
NPL, LDR, ROA, Indonesian BankingAbstract
This research aims to analyze the effect of credit risk as measured by the Non-Performing Loan (NPL) ratio and liquidity risk as measured by the Loan to Deposit Ratio (LDR) on bank profitability as measured by Return on Assets (ROA) at conventional banks in Indonesia listed on the Indonesia Stock Exchange during the research period. The research method uses a quantitative associative-causal approach with secondary financial report data and multiple linear regression testing or panel data models. The research results show that NPLs have a negative and significant influence on ROA, meaning that the higher the non-performing loan ratio, the bank profitability tends to decrease. Meanwhile, LDR shows less consistent or insignificant influence on ROA in several cases, which indicates that liquidity through LDR does not always have a direct impact on profitability without proper management. The implications of this research focus on the importance of managing asset quality and liquidity for bank management to improve financial performance.
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Copyright (c) 2026 Muhammad Saddam Ihza, Ayyu Astri Wiguna, Diah Ayu Nurmavita, Rizal Maulana, Alfiana (Author)
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