Pengaruh Internet Banking, Capital Adequacy Ratio dan Loan to Deposit Ratio terhadap Non Performing Loan pada Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2017

Abstract

Abstract. This research is meant to find out the effect of internet banking, Capital adequacy ratio (CAR) and Loan to deposit ratio (LDR) to Non performing loan (NPL) of Banking in Indonesia period 2017 by analyzing the financial statements of each Bank in Indonesia. The research method used is quantitative research method. The sampling technique used purposive sampling where the population sampled in this study is all of Banks in Indonesia as many as 45 banks registered in BEI period 2017 with consideration of certain criteria and obtained sample in this research as much as 45 yearly report from 45 banks passed the criteria. The results of this study indicate that there is influence of Capital adequacy ratio (CAR) and Loan to deposit ratio (LDR) variables, while internet banking variables do not affect the Non performing loan (NPL) of Banking in Indonesia.

Keywords : Internet Banking, Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan

 

 

Abstrak. Penelitian ini bertujuan untuk mengetahui pengaruh penerapan internet banking, Capital adequacy ratio (CAR) dan Loan to deposit ratio (LDR) terhadap Non performing loan (NPL) pada Perbankan di Indonesia periode tahun 2017 dengan menganalisa laporan keuangan masing-masing Bank di Indonesia. Metode penelitian yang digunakan adalah metode penelitian kuantitatif. Teknik pengambilan sampel menggunakan purposive sampling yang mana populasi yang dijadikan sampel dalam penelitian ini adalah seluruh Bank di Indonesia sebanyak 45 bank yang terdaftar di BEI periode 2017 dengan pertimbangan kriteria-kriteria tertentu dan diperoleh sampel dalam penelitian ini sebanyak 45 laporan tahunan dari 45 bank yang lolos dalam kriteria. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh dari variabel Capital adequacy ratio (CAR) dan Loan to deposit ratio (LDR) sedangkan variabel internet banking tidak terdapat pengaruh terhadap Non performing loan Perbankan di Indonesia.

Kata Kunci : Internet Banking, Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan