Repositori Penelitian Undiknas University

Analysis of the Determining Factors of Financial Distress



Volume -15, No 5


Dr.I Made Suidarma, S.E., M.M.


Economic misery is a circumstance in which the debtor can not satisfy his/her duties to creditors after they fall due. economic distress is the country of the company experiencing economic problems and is threatened with financial ruin. The motive of this study become to decide the impact of Capital Adequacy Ratio (vehicle), Operational costs on working profits (BOPO), Non appearing Loans (NPL), loan to Deposite Ratio (LDR), and go back On belongings (ROA) on monetary distress. This studies changed into conducted at PT (restrained enterprise) bank Rakyat Indonesia (Persero) Tbk. The number of samples is 32 with purposive sampling method. information became gathered using a documentation method, specifically through quarterly monetary document data from 2013-2020 posted at the monetary offerings Authority internet site, www.o.k.go.identity. The effects of speculation testing suggest that the Capital Adequacy Ratio (vehicle) variable has a positive impact on economic misery. Operational fees on running profits (BOPO) have a nice impact on economic distress. Non-appearing 13 loan (NPL) has a terrible effect on financial misery. mortgage a terrible impact monetary distress. belongings ( ) has a high quality impact on economic distress. therefore, Capital 3 Adequacy Ratio (automobile), Operational price to operating profits (BOPO), Non acting mortgage ( simultaneously economic distress. Keywords: Capital Adequacy Ratio (vehicle), Operational fee on running earnings (BOPO), Non appearing loan (NPL), loan to Deposit Ratio (LDR), go back On belongings (ROA), monetary distress