Pengaruh Penyaluran Kredit, Dana Pihak Ketiga, dan Non-Performing Loan terhadap Kinerja Keuangan pada Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia Periode 2020-2024

Khoirussalam, Rizqi (2026) Pengaruh Penyaluran Kredit, Dana Pihak Ketiga, dan Non-Performing Loan terhadap Kinerja Keuangan pada Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia Periode 2020-2024. Sarjana (S1) thesis, STIE Tri Bhakti.

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Abstract

This study aims to examine the effect of credit distribution, third-party funds, and non-performing loans on financial performance in conventional commercial banks listed on the Indonesia Stock Exchange during the 2020–2024 period. This research uses a quantitative research design with EViews 9 as the data processing application. The study applies a purposive sampling method to obtain the sample, resulting in 39 companies being selected as the research sample. The results of this study indicate that the credit distribution variable has no significant effect on financial performance with a significance value of 0.6353 > 0.05 and a t-statistic of 0.4750 < 1.972 (t-table). The third-party funds variable also has no significant effect on financial performance with a significance value of 0.8725 > 0.05 and a t-statistic of 0.1606 < 1.972 (t-table). Meanwhile, the non-performing loan (NPL) variable has a significant negative effect on financial performance with a significance value of 0.0083 < 0.05 and a t-statistic of -2.6656 > 1.972 (t-table). Simultaneously, the variables of credit distribution, third-party funds, and non-performing loans have a significant effect on financial performance, as indicated by a significance value of 0.000 < 0.05 and an F-statistic of 6.7123, which is greater than the F-table value of 2.66. Furthermore, the coefficient of determination is 0.0811, indicating that credit distribution, third-party funds, and NPL explain 8.11% of the variation in financial performance.

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