Buran, Marselinus Kai (2023) Pertumbuhan dan kualitas penyaluran kredit pada Bank BUMN periode tahun 2020 – 2022. Diploma thesis, Fakultas Ekonomi dan Bisnis Universitas Merdeka Malang.

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Abstract

The purpose of this research is to determine the credit growth of state-owned banks from the period 2020 to 2022, and to determine the quality of the health level of lending to banks in Indonesia, especially to state-owned banks using the Non Perfoming Loan (NPL) ratio.
For sampling, researchers used Purposive sampling, which means that the sampling technique is not based on random, regional or strata, but based on considerations that focus on specific objectives, so that 4 samples were obtained from banks in Indonesia (Bank BRI, Bank BNI, Bank BTN and Bank MANDIRI). The data analysis technique used is Ratio Analysis.
The results showed that Loan Grwoth or credit growth at BUMN banks from 2020 to 2022 always increased from Rp.2,431,127,669 to Rp.2,871,728,796. During the period 2020 to 2022, the banking sector in Indonesia had an average NPL between 1.06% and 0.45%. The results showed that the quality of the bank's health level was ranked 1 with a very healthy quality predicate because the NPL ratio was below 2%.

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