<mets:mets OBJID="eprint_24353" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-10-03T13:11:36Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>Repository Universitas Nusantara PGRI Kediri</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_24353_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), DAN BOPO TERHADAP NON-PERFORMING LOAN (NPL) PADA PERBANKAN KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2023-2025</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">Pretty Dewi</mods:namePart><mods:namePart type="family">Claresa</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>Penelitian ini dilatarbelakangi oleh pentingnya pengelolaan risiko kredit pada perbankan konvensional yang tercermin melalui tingkat Non-Performing Loan (NPL). NPL merupakan salah satu indikator kesehatan bank yang menunjukkan kemampuan bank dalam mengelola kredit yang disalurkan. Permasalahan penelitian ini adalah apakah Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan BOPO, baik secara parsial maupun simultan, berpengaruh terhadap Non-Performing Loan (NPL) pada perbankan konvensional yang terdaftar di Bursa Efek Indonesia periode 2023–2025. Metode penelitian yang digunakan adalah metode kuantitatif dengan desain penelitian kausalitas. Teknik pengambilan sampel menggunakan purposive sampling dan diperoleh 15 bank konvensional yang memenuhi kriteria penelitian. Dengan periode pengamatan selama tahun 2023-2025, jumlah data yang dianalisis sebanyak 45 sampel observasi. Data yang digunakan merupakan data sekunder yang diperoleh dari laporan keuangan tahunan perusahaan yang dipublikasikan melalui Bursa Efek Indonesia dan situs resmi perusahaan. Teknik analisis data yang digunakan meliputi uji asumsi klasik, analisis regresi linear berganda, uji koefisien determinasi, uji parsial (uji t), dan uji simultan (uji F) dengan bantuan program SPSS. Hasil penelitian menunjukkan bahwa (1) Capital Adequacy Ratio (CAR) berpengaruh signifikan terhadap Non-Performing Loan (NPL), (2) Loan to Deposit Ratio (LDR) tidak berpengaruh signifikan terhadap Non-Performing Loan (NPL), (3) BOPO berpengaruh signifikan terhadap Non-Performing Loan (NPL), dan (4) Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan BOPO secara simultan berpengaruh signifikan terhadap Non-Performing Loan (NPL) pada perbankan konvensional yang terdaftar di Bursa Efek Indonesia periode 2023-2025.</mods:abstract><mods:classification authority="lcc">562 Accounting</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8061">2026-07-14</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>Universitas Nusantara PGRI Kediri;KODEPRODI62201#Akuntansi</mods:publisher></mods:originInfo><mods:genre>Thesis</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_24353"><mets:rightsMD ID="rights_eprint_24353_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
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