Name: Non Performing Loan as Mediation of the Effect Capital Adequacy Ratio and Loan to Deposit Ratio on Profitability
Keywords: Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loand, Return on Assets

descriptionPublicationkeyboard_double_arrow_right Article 22 Sep 2023Publisher:Everant JournalsJournal:International Journal of Social Science and Human Research, volume 6 (issn: 2644-0679, eissn: 2644-0695,

Authors: Yosina Matanubun,; Wiyarni Wiyarni,;

doi: 10.47191/ijsshr/v6-i9-37 , 10.5281/zenodo.8370950 , 10.5281/zenodo.8370949

Non Performing Loan as Mediation of the Effect Capital Adequacy Ratio and Loan to Deposit Ratio on Profitability

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Abstract

This study aims to examine the effect of CAR and LDR on ROA with NPL as a mediating variable at state-owned banks for the period 2015 to 2022. The sample for this study was 4 (four) state-owned banks, namely BRI, BNI, Mandiri and BTN. With an observation period of 8 years, the sample for this study was 32. This study used Partial Least Square with the SmartPLS 3 program. Of the 7 hypotheses, the results showed that only 2 hypotheses were accepted, namely the effect of CAR on ROA and the effect of LDR on NPL. Indirect effect, namely NPL as a mediating effect of CAR on ROA is not proven or rejected. Likewise, the indirect effect of LDR on ROA with NPL as a mediating variable is also rejected.

Keywords

Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loand, Return on Assets

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