Pengaruh Suku Bunga, Inflasi dan Pandemi Covid-19 terhadap NPL pada Bank Perkreditan Rakyat di Kota Batam

Hesniati Hesniati1, Desmond Lim, Desy Rinika, Soecipto Soecipto, Verlyn Evajelista

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Wabah COVID-19 telah menjadi bumerang bagi dunia, dan dengan cepat mengganggu aktivitas bisnis. Hampir semua sektor bisnis terdampak pandemi dan kebanyakan sektor usaha hampir mati dan perlu pembenahan untuk berubah. Terutama pada sektor ekonomi yang lebih mengacu pada keuangan, atau lebih dikenal sebagai sektor perbankan, merupakan salah satu sektor yang terdampak. Dalam penelitian ini akan diketahui Inflasi dan tingkat suku bunga telah mempengaruhi NPL BPR sejak pandemi COVID-19 dimulai. ROA digunakan untuk mengukur efektivitas perusahaan dalam memperoleh keuntungan dengan memanfaatkan aset yang diisi. Dengan kata lain, rasio ini digunakan untuk mengukur kemampuan manajemen dalam memperoleh laba secara keseluruhan. Penelitian ini membahas tentang pengaruh suku bunga, inflasi, ROA dan pandemi Covid-19 terhadap Non-Performing Loan (NPL) dengan 28 BPR konvensional yang berada di kota Batam sebagai sampel penelitian. Penelitian dilakukan dengan bantuan aplikasi Eviews sebagai media pengujian.

Kata Kunci: NPL, Inflasi, Suku Bunga, ROA dan Pandemi Covid-19


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Referensi


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DOI: https://doi.org/10.37531/yum.v5i2.1695

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