ANALISIS PENGARUH LDR, BOPO, SIZE, LAR DAN NIM TERHADAP NPL PADA BPR KONVENSIONAL DI WILAYAH JAWA TENGAH (PERIODE 2010 -2012)

The purpose of this research was to analyze influence of Loan to Deposit Ratio, Operational Efficiency, Size, Loan to Assets Ratio and Net Interest Margin towards Non Performng Loan. The sample of this research were 70 respondents of Conventional Rural Banks (Bank Perkreditan Rakyat) in Jawa Tengah region during 2010 until 2012, they were selected using purposive sampling technique.To prove the hypothesis, this research is applied Multivariate Linear Regression Model and use fixed effect model. The result of this research shows that Operational Efficiency and Size had significant influence on Non Performing Loan, while Loan to Deposits Ratio, Loan to Assets Ratio and Net Interest Margin had no significant influence on Non Performing Loan. Keywords: NPL, LDR, BOPO, SIZE, LAR and NI