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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR) dan Non-Performing Loan (NPL) terhadap pertumbuhan kredit dengan Loan to Deposit Ratio (LDR) sebagai variabel intervening pada perusahaan perbankan yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2020-2023. Menggunakan metode purposive sampling, penelitian ini memilih sampel dari perusahaan perbankan yang terdaftar di OJK dengan kriteria tertentu. Data dianalisis menggunakan regresi linier berganda dan analisis jalur dengan bantuan SPSS Versi 25. Hasil penelitian menunjukkan bahwa CAR berpengaruh positif namun tidak signifikan terhadap LDR, sementara NPL berpengaruh negatif dan signifikan terhadap LDR. CAR juga berpengaruh positif dan signifikan terhadap pertumbuhan kredit, dan NPL berpengaruh negatif dan signifikan terhadap pertumbuhan kredit. LDR sendiri berpengaruh positif dan signifikan terhadap pertumbuhan kredit. Lebih lanjut, LDR terbukti memediasi hubungan antara CAR dan pertumbuhan kredit, namun tidak memediasi hubungan antara NPL dan pertumbuhan kredit.

Keywords

Capital Adequacy Ratio Non-Performing Loan Loan to Deposit Ratio Pertumbuhan Kredit

Article Details

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How to Cite
Nur Alam. (2025). Analisis Capital Adequacy Ratio, Non-Performing Loan/NP terhadap Pertumbuhan Kredit melalui Loan to Deposit Ratio/LDR pada Industri Perbankan. Economics and Digital Business Review, 6(2), 1129–1141. https://doi.org/10.37531/ecotal.v6i2.2430
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