This study aims to prove the existence of the effect of positive and significant
influences on the variables of loan to deposit ratio, operating expense to operating
income, inflation and bi-rate on non-performing loan. Meanwhile, the negative and
significant influence on variable capital adequacy ratio and net interest margin on
non-performing loan. The population used in this study is a conventional
commercial banks listed on the Indonesian Stock Exchange (IDX) for the
2017-2021 period. The sampling technique used is purposive sampling. There are
38 conventional commercial banks that meet the sampling criteria. The sample
totals that meet the criteria and passed the classic assumption test in this study was
123 data. The analysis technique in this study used multiple linier regression which
was processed using the IBM SPSS Statistics software version 25. Based on the
result in this study, it is concluded that capital adequacy ratio have a positive and
insignificant effect on non-performing loan. Loan to Deposit Ratio and inflation
have a negative and significant effect on non-performing loan. Operating expense
to operating income have a positive and significant effect on non-performing loan.
Net interest margin has no negative and insignificant effect on non-performing
loan. BI-Rate has no positive and insignificant effect on non-performing loan.