The Moderation Effect of Non-Performing Loans on Camel and Banking Performance in Indonesia
1Ni Komang Desyana Supan Dewi, 2Ni Luh Anik Puspa Ningsih, 3Ni Wayan Siramiati
1,2,3Warmadewa University Master of Management Study Program
https://doi.org/10.47191/jefms/v7-i4-14ABSTRACT:
This research aims to determine the moderating effect of non-performing loans on cash and banking performance in Indonesia listed on the Indonesian stock exchange. Sample selection was carried out using a purposive sampling method, resulting in a sample of 195 with an observation period of 5 years from 2018 to 2022. This research uses quantitative data and the data used is secondary data obtained from the financial balance report of the Indonesia Stock Exchange. The techniques used in this research are multiple regression analysis and moderate regression analysis (MRA). The results of this research show that CAR and BOPO have a negative and statistically insignificant effect on profit growth. KAP, Liquidity, LDR have a positive and statistically insignificant effect on profit growth. ROA has a positive and statistically significant effect on profit growth. NPL does not moderates the relationship between liquidity and LDR on profit growth.
KEYWORDS:
Non performing loan, bank, financial balance report, profit growth,
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