Peran Restrukturisasi Kredit Dalam Menurunkan Non Performing Loan Pada Kantor Cabang BRI Selayar
DOI:
https://doi.org/10.33857/jafr.v9i2.968Keywords:
Credit Restructuring, Non-Performing Loan, Credit RiskAbstract
This study aims to examine the impact of credit restructuring on the reduction of Non- Performing Loans (NPL) at PT. Bank BRI Cabang Selayar during the 2014—2023 period. A quantitative approach was employed using simple linear regression analysis. The data used are secondary data obtained from the bank’s internal reports. The results indicate that credit restructuring has a significant effect on decreasing NPL. This is evidenced by the coefficient of determination (R²) value of 0.751, meaning that 75.1% of the variation in NPL is explained by credit restructuring. The t-test also confirms a significant partial influence. Therefore, credit restructuring is proven to be an effective strategy in controlling problematic loans and maintaining asset quality. This research is expected to serve as a practical reference for credit risk management in the banking sector.References
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