Analisis Dampak Risiko Kredit Bermasalah Terhadap Return On Asset Pada Bank Perkreditan Rakyat

Analisis Dampak Risiko Kredit Bermasalah Terhadap Return On Asset Pada Bank Perkreditan Rakyat

• By Wangsit, Supeno;
• Jurnal Widya Cipta
• 117
• 8-19

Credit risk is the largest productive assets in the balance sheet amount Rural Bank. Under the Indonesian Banking Statistics in 2011 through 2014, showed, Ratio of Non-Performing Loans by the National Rural Bank has passed Average standard healthy conditions of 5%. These conditions can have a negative impact on the ability of Rural Banks in obtaining profit reflected Return on Assets ratio. The purpose of this study was to determine the performance of Lending in the National Rural Bank with non performing loans ratio indicator, and the impact of risk on the performance of non performing loans with indicators Earnings Ratio Return on Assets. In this study, using the library, and trend analysis of the financial performance data in the National Rural Bank, sourced from Indonesian Banking Statistics published by Bank Indonesia and Otoritas Jasa Keuangan. Based on the trend analysis of the average ratio of non performing loans since 2011 through 2014, has exceeded the healthy standard of 5%, which means that the performance of lending by the National Rural Bank is still quite unwell. Disbursement in the last two years has decreased. This is because the level of market competition is so tight with similar financial institutions, so that the credit market niche Rural Bank shrinking. The ratio of non-performing loans on the basis of the National Rural Bank which on average is still above 5%, and this provides less impact on the growth of acquisition Return on Assets over the past four years.

 

Keywords : Non Performing Loans, Return On Assets

• Katakunci Kredit Bermasalah, Return On Asset, Bank Perkreditan Rakyat (BPR)
• URL http://
• Penerbit ,

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