Menilai Kualitas Kredit dengan Menggunakan Rasio Non-Performing Loan (NPL) Pada PT. Bank Tabungan Negara (Persero) Tbk Tahun 2018-2022

Abstract

This study aims to assess credit quality using the non-performing loan ratio in the banking sector (Study at PT. Bank Tabungan Negara (Persero) Tbk 2018-2022). The research sample was taken from PT. Bank Tabungan Negara. Financial report data obtained from the website of Bank Tabungan Negara (BTN). The method used in this study is a qualitative descriptive analysis method. The results of this study indicate that the company credit quality is in a healthy condition when viewed through the ratio of Gross NPL and Net NPL.