Yovanda, Carissa Klarin (2026) ANALYSIS OF THE EFFECT OF RETURN ON ASSETS AND RESERVE REQUIREMENT RATIO ON NON PERFORMING LOAN THROUGH CAPITAL ADEQUACY RATIO AS A VARIABLE MEDIATION (CASE STUDY OF CONVENTIONAL COMMERCIAL BANKS IN INDONESIA). Undergraduate thesis, UPN Veteran Jawa Timur.
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Abstract
The banking sector in Indonesia plays a crucial role in supporting financial stability and economic growth, particularly through credit distribution and risk management. This study analyzes the effect of Return on Assets (ROA) and Reserve Requirements Ratio(GWM) on Non-Performing Loan (NPL) with Capital Adequacy Ratio (CAR) as an intervening variable in conventional commercial banks in Indonesia during 2015–2025 using the Partial Least Square (PLS) method. The results show that ROA has a negative and significant effect on NPL, while GWM and CAR have negative but insignificant effects. ROA has a positive but insignificant effect on CAR, whereas GWM negatively and insignificantly affects CAR. Furthermore, CAR is not able to mediate the relationship between ROA and NPL or between GWM and NPL. The findings indicate that the direct effect of ROA on NPL is more dominant, while GWM does not have a significant influence either directly or indirectly. These results suggest that credit quality is more influenced by internal factors such as profitability and asset management rather than liquidity policies and capital adequacy. Keywords: Return on Assets, Reserve Requirements, Capital Adequacy Ratio, Non-Performing Loans, Banking.
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HC Economics | ||||||||
| Divisions: | Faculty of Economic and Business > Departement of Economics | ||||||||
| Depositing User: | Carissa Klarin Yovanda | ||||||||
| Date Deposited: | 26 May 2026 03:37 | ||||||||
| Last Modified: | 26 May 2026 05:14 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/52724 |
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