PENGARUH CAR, NPL, DAN ROA TERHADAP PENYALURAN KREDIT MODAL KERJA (STUDI PADA BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) PERIODE 2021)

ABSTRACT Based on data from the Financial Services Authority (OJK) in 2020, it shows an increase in class 2 and 3 credit risk in the banking sector compared to the previous year. These events can lead to liquidity risk for the banking sector. Therefore, a stimulus is needed for the banking sector and other sectors to recover the Indonesian economy. This research aimed to determine the effect of the ratio of bank soundness measurement levels on working capital lending. The obtained data were analyzed using multiple linear regression analysis on cross-sectional data using the OLS (Ordinary Least Square) method and data processing tools in Eviews 10. The results of this study indicate that the ratio of bank soundness measurement levels, namely CAR, ROA, and NPL, simultaneously has no significant effect on the credit variable. Keyword : CAR (Capital Adequacy Ratio), NPL (Non Performing Loan), ROA (Return On Asset).