The Effect of Non-Performing Loan and Operational Efficiency on Financial Stability in KBMI-IV State Banks
Abstract
This study aims to determine the simultaneous and partial effects of Non-Performing Loan and Operational Efficiency on Financial Stability in State-Owned Bank Companies in the KBMI IV Category listed on the Indonesia Stock Exchange (IDX) during the 2012–2024 period. The research method employed is a quantitative approach with a descriptive approach. The sampling technique used was total sampling. The data utilized in this study are secondary data obtained from the annual reports of State-Owned Bank companies. The analytical tool applied is panel data regression analysis. The results of the study indicate that: (1) Non-Performing Loan, Operational Efficiency, and Financial Stability exhibit varying values each year. (2) Non-Performing Loan and Operational Efficiency simultaneously have a significant effect on Financial Stability. (3) Partially, Non-Performing Loan do not have a negative effect on financial stability. whereas Operational Efficiency partially has a significant negative effect on Financial Stability.
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