Penelitian ini menguji pengaruh profitabilitas, kecukupan modal, dana cadangan, dan tingkat suku bunga terhadap kredit bermasalah. Sampel yang digunakan dalam penelitian ini adalah bank umum konvensional yang terdaftar di Bursa Efek Indonesia selama periode 2014-2017. Pemilihan sampel dilakukan dengan menggunakan teknik purposive sampling. Analisis data dilakukan dengan menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa profitabilitas, kecukupan modal, dana cadangan, dan tingkat suku bunga berpengaruh terhadap kredit bermasalah.

This study aims to examine  the effect of profitability, capital adequacy, loan losses reserve, and interest rate on non performing loan. The samples that used in this research are commercial banks listed on the Indonesian Stock Exchange during the period 2014-2017. The samples are chosen by the using purposive sampling technique. Data were analyzed using multiple linear regression. The results showed that profitability, capital adequacy, loan losses reserve, and interest rate has affected on non performing loan.