Pengaruh Net Interest Margin, Loan to Deposit Ratio, Capital Adequancy Ratio, dan Return On Asset terhadap Non Performing Loan di Bank Umum Swasta Nasional

This study aims to analyze the effect of Net Interest Margin, Loan to Deposit Ratio, Capital Adequacy Ratio, and Return On Assets on Non-Performing Loans at National Private Commercial Banks. The data in this study came from financial statements. National Private Foreign Exchange Commercial Banks that have been published during the period 2017 – 2021. This study uses a purposive sampling technique with criteria that have been determined by the researcher, the sample included in the criteria is 40 banks. The data used is secondary data which is how to collect all the data needed through financial statements according to the sample and period used. Technical analysis of the data in this study using multiple linear regression analysis and accompanied by classical assumption test to test the normality of the data and continued hypothesis testing. This study shows that the data is normally distributed. The results of this study indicate that the variables Net Interest Margin, Loan to Deposit Ratio have no effect on Non Performing Loans. While the Capital Adequacy Ratio and Return On Assets affect the Non-Performing Loan. Key words: Net Interest Margin, Loan to Deposit Ratio, Capital Adequacy Ratio, Return On Assets, Non Performing Loans and National Private Commercial Bank