Analisis Tingkat Kesehatan Bank Daerah Berdasarkan Indikator Risk Profile, Earnings, dan Capital

Abstract

The purpose of this study is to analyze the influence of NPL, LDR, ROA NIM, and CAR on the health level of regional banks. This type of research is quantitative research with data collection techniques carried out using documentation techniques from regional bank financial reports. The data analysis technique was carried out using the panel data regression analysis method. The results of this research show that NPL and LDR () have a negative effect on the bank's health level, ROA have a positive effect on the bank's health level, and NIM and CAR has no effect on the bank's health level.. The implications of this research are that bank management is expected to be able to further minimize the NPL and LDR) ratios because it can reduce the bank's health level by improving risk management and it is hoped that it can further maximize the ROA ratio because it can increase the level of bank health.