YOSEF YULIANTO SIMANULLANG - 65160059 Primary Author Dwinta Mulyanti, S.E., M.M (Pembimbing) Additional Author mixed material bibliography 2020/2021 id Indonesia

Skripsi

ABSTRAK Yosef Yulianto Simanullang (65160059) Analisis Suku Bunga kredit Mikro dan Non-Performing Loan Terhadap Profitabilitas Pada PT. Bank Mandiri Tbk (Studi Kasus Kantor Cabang Bandung-Cimahi). Kredit adalah sumber keuntungan perbankan dan pendapatan. Kredit juga merupakan aktivitas investasi. Pasti menjadi alasan utama mengapa bank menghadapi masalah besar. Yaitu, ada kasus dimana berdasarkan perjanjian tersebut, pelanggan tidak akan dapat membayar bagian utangnya kepada pelanggan. Hal ini masalah atau macet. Penelitian ini bertujuan untuk mengetahui Suku Bunga Kredit Mikro dan NonPeforming Loan terhadap Profitabilitas secara parsial maupun simultan Data yang digunakan pada penelitian ini merupakan data sekunder dari laporan keuangan tahunan pada PT. Bank Mandiri (Persero),Tbk (Studi Kasus Kantor Cabang Bandung-Cimahi) periode 2015-2019 dengan teknik akuisisi data melalui analisis dokumen dan analisis literatur. Pendekatan kuantitatif dalam penelitian menggunakan metode deskriptif dan verifikatif. Pada penelitian ini dengan hasil, yaitu suku bunga kredit mikro dan NonPerforming Loan berpengaruh signifikan terhadap Profitabilitas (ROA). Profitabilitas menggunakan rasio Return On Asset (ROA) berpengaruh signifikan terhadap variabel indenpenden. Suku Bunga Kredit Mikro dan Non-Performing Loan (NPL) secara parsial maupun simultan tidak berpengaruh signifikan terhadap Profitabilitas (ROA). ABSTRACT Yosef Yulianto Simanullang (65160059) Analysis of Microcredit and NonPerforming Loan Interest Rates on Profitability at PT. Bank Mandiri Tbk (Bandung-Cimahi Branch Office Case Study). Credit is a source of banking profit and income. Credit is also an investment activity. It must be the main reason why banks face big problems. That is, there are cases where under the agreement, the customer will not be able to pay part of the debt to the customer. It's a problem or it's stuck. This study aims to find out the Interest Rate of Microcredit and Non-Peforming Loan to Profitability partially or simultaneously The data used in this study is secondary data from the annual financial statements at PT. Bank Mandiri (Persero),Tbk (Bandung-Cimahi Branch Office Case Study) for the period 2015- 2019 with data acquisition techniques through document analysis and literature analysis. Quantitative approach in research using descriptive and verifikative methods. In this study with the results, the interest rate of microcredit and Non-Performing Loan has a significant effect on profitability (ROA). Profitability using Return On Asset (ROA) ratio has a significant effect on independent variables. Partial and simultaneous Interest Rates on Micro and Non-Performing Loans (NPLs) have no significant effect on profitability (ROA) Profitabilitas Suku Bunga Kredit Mikro Non-Performing Loan NONE Digital Library ARS University Perpustakan Online ARS University 064/S1.AK.SKP/2020-2021 S02212K Akuntansi 064/S1.AK.SKP/2020-2021 Hal Depan Bab 1 Bab 3 Bab 5 DAFTAR PUSTAKA Lampiran Screenshot_2023-03-09_093120.png.png 7059 2023-03-08 15:09:31 2023-03-09 11:40:33 machine generated