PENGARUH BI-RATE DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP KREDIT BERMASALAH PADA BANK UMUM BUMN

This study aims to analyze the effect of the BI-Rate and Loan To Deposit Ratio (LDR) on Non-Performing Loans (NPL) at state-owned commercial banks. This study uses secondary data sources obtained using the documentation method. The samples in this study were four soe general banks with saturated or census sampling techniques. The period used in this study was 15 years, from 2005 - 2019. The analysis technique used was Panel Data Regression. The results of the study simultaneously and partially show that the independent variable significantly influences the Non-Performing Loan (NPL), the BI-Rate Variable has a significant positive effect, while the Loan To Deposit Ratio (LDR) variable has a significant negative effect