Pengaruh NPL dan CAR Terhadap Jumlah Penyaluran Kredit UMKM Pada Bank BNI Selama Masa Pandemi COVID-19

Authors

  • Melsa Oktavianti Politeknik Negeri Jakarta
  • Heri Abrianto, S.E., M.M. Politeknik Negeri Jakarta

Abstract

This research aims to analyze the influence of Non-Performing Loan (NPL) and Capital Adequacy Ratio (CAR) on the amount of credit disbursement to Micro, Small, and Medium Enterprises (MSMEs) at PT Bank Negara Indonesia (Persero) Tbk. during the COVID-19 pandemic. The analysis method used is multiple linear regression analysis processed using SPSS version 26. The data sample used in this study was obtained from the quarterly financial reports of Bank BNI from 2019 to 2023. The results of this study indicate that NPL partially has a significant influence on the amount of credit disbursement to MSMEs at Bank BNI, while CAR does not have a significant influence on the amount of credit disbursement to MSMEs at Bank BNI. Simultaneously, both NPL and CAR have an influence on the amount of credit disbursement to MSMEs at Bank BNI.


Keywords: Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR), MSME Loans

Additional Files

Published

2024-04-30