Font Size:
Analysis of non performing loan (NPL) at PT. Bank Nagari West Sumatera
Last modified: 2026-06-06
Abstract
This study aims to analyze the Non Performing Loan (NPL) ratio as an indicator of credit quality at PT. Bank Nagari Sumatera Barat during the period 2022–2025. The research uses a descriptive method with a quantitative approach. The data used are secondary data obtained from the bank’s credit reports. The analysis technique was conducted by calculating the NPL ratio, which compares total non-performing loans to total loans disbursed and is expressed as a percentage. The results show that the NPL ratio decreased gradually during the study period, namely 2.28% in 2022, 2.00% in 2023, 1.74% in 2024, and 1.59% in 2025. This decreasing trend indicates an improvement in the credit quality managed by the bank over time. Based on these findings, it can be concluded that the NPL ratio is categorized as healthy because it remains below the maximum limit of 5% set by the Otoritas Jasa Keuangan.
Keywords
Non-Performing Loan, Credit Quality, Loan Management, Document Bank Nagari, Bank Nagari West Sumatera
References
Cabang, A. (2015). Analisis Kredit Bermasalah Dilihat Dari Standar Non Performing Loan ( Npl ) Pada Pt . Bank Perkreditan Rakyat ( Bpr ) Prima Mulia. Akademi Keuangan Dan Perbankan “Pembangunan” Padang [email protected] ABSTRACT, 1 of 13.
Dwihandayani, D. (2017). Analisis Kinerja Non Performing Loan (Npl) Perbankan Di Indonesia Dan Faktor-Faktor Yang Mempengaruhi Npl. Jurnal Ekonomi Bisnis, 22(100), 3.
Faradila, L., Ekonomi, F., & Negeri, U. (n.d.). PENGARUH NON PERFORMING LOAN ( NPL ) DAN BUNGA PINJAMAN.
Firmansyah, I. (2014). Bulletin of Monetary Economics and Banking DETERMINANT OF NON PERFORMING LOAN : THE CASE OF ISLAMIC BANK IN INDONESIA DETERMINANT OF NON PERFORMING LOAN : Bulletin of Monetary Economics and Banking, 17(2).
Hendratni, T. W. (2022). Akurasi 201. 201–210.
Ilmiah, J., & Sigid, A. (2014). JURNAL ILMIAH Disusun oleh : AHMAD SIGID 0710210062.
Kurniati, T., & Nurhayati. (2020). Analisis Kredit Bermasalah Dilihat Dari Standar Non Performaning Loan. INOVATOR Jurnal Manjemen, 9(1), 17–22. http://ejournal.uika-bogor.ac.id/index.php/INOVATOR/index
Laksono, J. D., & Setyawan, I. R. (2019). Faktor Penentu Non-Performing Loan Pada Bank Umum Konvensional Di Indonesia. Jurnal Manajerial Dan Kewirausahaan, 1(3), 506. https://doi.org/10.24912/jmk.v1i3.5362
Rizwinie, K. S., Martin, A., Sirait, R., & Sihotang, F. K. (2023). Analysis of Bad Credit or Non-Performing Loan ( NPL ) at PT Bank Negara Indonesia ( Persero ) Tbk Analisis Kredit Macet atau Non-Performing Loan ( NPL ) Pada PT Bank Negara Indonesia ( Persero ) Tbk. Asian Journal of Management Analytics (AJMA), 2(2), 185–196.
Sinda, T. L., & Fernos, J. (2020). Analisis Faktor-Faktor Penyebab Kredit Bermasalah pada BANK Nagari Cabang Lubuk Gadang. Jurnal Akademi Keuangan Dan Perbankan, 1–7.
Dwihandayani, D. (2017). Analisis Kinerja Non Performing Loan (Npl) Perbankan Di Indonesia Dan Faktor-Faktor Yang Mempengaruhi Npl. Jurnal Ekonomi Bisnis, 22(100), 3.
Faradila, L., Ekonomi, F., & Negeri, U. (n.d.). PENGARUH NON PERFORMING LOAN ( NPL ) DAN BUNGA PINJAMAN.
Firmansyah, I. (2014). Bulletin of Monetary Economics and Banking DETERMINANT OF NON PERFORMING LOAN : THE CASE OF ISLAMIC BANK IN INDONESIA DETERMINANT OF NON PERFORMING LOAN : Bulletin of Monetary Economics and Banking, 17(2).
Hendratni, T. W. (2022). Akurasi 201. 201–210.
Ilmiah, J., & Sigid, A. (2014). JURNAL ILMIAH Disusun oleh : AHMAD SIGID 0710210062.
Kurniati, T., & Nurhayati. (2020). Analisis Kredit Bermasalah Dilihat Dari Standar Non Performaning Loan. INOVATOR Jurnal Manjemen, 9(1), 17–22. http://ejournal.uika-bogor.ac.id/index.php/INOVATOR/index
Laksono, J. D., & Setyawan, I. R. (2019). Faktor Penentu Non-Performing Loan Pada Bank Umum Konvensional Di Indonesia. Jurnal Manajerial Dan Kewirausahaan, 1(3), 506. https://doi.org/10.24912/jmk.v1i3.5362
Rizwinie, K. S., Martin, A., Sirait, R., & Sihotang, F. K. (2023). Analysis of Bad Credit or Non-Performing Loan ( NPL ) at PT Bank Negara Indonesia ( Persero ) Tbk Analisis Kredit Macet atau Non-Performing Loan ( NPL ) Pada PT Bank Negara Indonesia ( Persero ) Tbk. Asian Journal of Management Analytics (AJMA), 2(2), 185–196.
Sinda, T. L., & Fernos, J. (2020). Analisis Faktor-Faktor Penyebab Kredit Bermasalah pada BANK Nagari Cabang Lubuk Gadang. Jurnal Akademi Keuangan Dan Perbankan, 1–7.
Full Text:
PDF