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September 23, 2025Ekonomica Sharia Jurnal Pemikiran dan Pengembangan Ekonomi Syariah

The Influence of LDR and NPL on the Profitability of Rural Banks: A Systematic Literature Review (2021–2025)

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Authors

KAKhairil AnwarPPPardomuan PardosiTSTussi Sulistyowati

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Overview

Systematic literature review reveals that LDR improves profitability while NPL increases risk in rural banks.

Key Points

  • LDR positively influences profitability by managing resources effectively.
  • NPL has a significant negative impact on rural banks due to rising credit risk.
  • Rural banks face greater operational challenges compared to commercial banks.
  • Effective risk management and digitalization are essential for enhancing BPR performance.

Cite This Study

Anwar et al. (2025) studied this question.

synapsesocial.com/papers/68d4739d31b076d99fa6bc5dhttps://doi.org/10.36908/esha.v11i1.1566
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Liquidity Risk and The Impact of Credit Growth on Profitability in Rural Banks: The Moderating Role of Bank Size2025
  2. 2Internal Financial Determinants of Profitability: Evidence From Rural Banks in Indonesia2025 · 1 citations
  3. 3THE EFFECT OF CAR, NPL AND LDR ON THE PROFITABILITY OF REGIONAL DEVELOPMENT BANKS IN JAVA FOR THE PERIOD 2019-20232024 · 1 citations
  4. 4Systematic Literature Review: CAR, LDR, NIM and NPL on Banking Profitability in Indonesia2025 · 2 citations
  5. 5The Effect of LDR, NPL, and NIM on Profitability in Conventional Commercial Banks on IDX2024 · 2 citations