Menilai Kualitas Kredit dengan menggunakan Rasio Non-Performing Loan (NPL) pada Sektor Bank Umum Badan Usaha Milik Negara (BUMN) Tahun 2018-2022

Authors

  • Agung Pramayuda Universitas Informatika dan Bisnis Indonesia

DOI:

https://doi.org/10.37278/eprofit.v5i2.724

Keywords:

NPL, NPL Gross, NPL Netto, Kualitas Kredit

Abstract

Penelitian ini bertujuan untuk menilai kualitas kredit menggunakan rasio non-performing loan pada sektor Bank umum BUMN tahun 2018- 2022. Sampel penelitian adalah Bank Umum BUMN diantaranya, PT. Bank Negara Indonesia (Persero) Tbk, PT. Bank Rakyat Indonesia (Persero) Tbk, PT. Bank Mandiri (Persero) Tbk, dan PT. Bank Tabungan Negara (Persero) Tbk. Data laporan keuangan diperoleh dari situs Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Mandiri (Mandiri) dan Bank Tabungan Negara (BTN). Metode yang digunakan dalam penelitian ini adalah metode analisis deskriptif kualitatif. Hasil penelitian ini menunjukkan kualitas kredit Bank umum BUMN dalam kondisi sehat jika dilihat melalui rasio NPL Gross dan kondisi sangat sehat apabila dilihat melalui NPL Netto.

Kata kunci : NPL, NPL Gross, NPL Netto, Kualitas Kredit.

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Published

2023-10-24

How to Cite

Pramayuda, A. (2023). Menilai Kualitas Kredit dengan menggunakan Rasio Non-Performing Loan (NPL) pada Sektor Bank Umum Badan Usaha Milik Negara (BUMN) Tahun 2018-2022. Economics Professional in Action (E-Profit), 5(2), 105–113. https://doi.org/10.37278/eprofit.v5i2.724

Issue

Vol. 5 No. 2 (2023): Economic Professional in Action (E-PROFIT)

Section

Articles

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