Articles

The Effect of Non-Performing Loans and Loan to Deposit Ratio on Profitability with Inflation as a Moderating Variable in Banking Companies Listed on Indonesia Stock Exchange Period 2018-2022

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This study was conducted to test and analyze the effect of Non Performing Loan and Loan to Deposit Ratio as independent variables on Profitability as a dependent variable, as well as the ability of inflation to moderate the relationship between the independent variable and the dependent variable. The research method in this study is quantitative research with regression analysis of panel data using Eviews. The object of research in this study is banking companies listed on the Indonesia Stock Exchange for the 2018-2022 period. The sampling technique used purposive sampling and found 175 observations. The results of this study show that Non-Performing Loans have a negative effect on Profitability and Loan to Deposit Ratio has a positive effect on Profitability. Meanwhile, inflation cannot moderate the relationship between Non-Performing Loans and Loan to Deposit Ratio to Profitability.

Analysis of the Effect of Third Party Funds, Non-Performing Loans, Loan to Deposit Ratio on Lending Before and After Covid-19 with Profitability as a Moderating Variable in Conventional Banks Listed on the Indonesian Stock Exchange for The Period 2017 – 2022

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This study aims to analyze the factors that influence lending in banking companies on the Indonesia Stock Exchange, with a focus on third-party funds, non-performing loans, and loan-to-deposit ratios. Profitability is also evaluated as a moderating variable. The research object includes 40 conventional banks of the Indonesia Stock Exchange from 2017 to 2022. The analysis method involved multiple linear regression, moderated regression analysis, and paired sample t-tests. The results show that third-party funds have a significant positive effect on lending. Non-performing loans also affect lending positively although not significantly. Loan to deposit ratio has a positive and significant effect on lending. There is a significant difference in the level of third-party funds and loan-to-deposit ratio before and after the Covid-19 pandemic. However, there is no significant difference in the level of non-performing loans. Profitability does not moderate the effect of variables on lending.