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The Analysis of Financial Sustainability Ratio on Rural Banks in Indonesia

The purpose of this study is to examine and analyze the financial performance ratios consisting of return on assets, non-performing loans, mobilization deposits on financial sustainability ratio in rural bank institutions in Indonesia. Target population of this study was the rural bank Registered and supervised by the Financial Services Authority (OJK) in 2018-2020. With the sampling method selected based on the purposive sampling criteria, totaling 71 companies with 213 observations. Data analysis consists of descriptive and multiple regression linear regression processed using SPSS statistical tools. The results show that the return on assets has a significant positive effect and nonperforming loan has a significant negative effect on the financial sustainability ratio. The results illustrate that the greater the company's ability to generate profits the higher the value of the company's financial sustainability and vice versa. Whereas non-performing loan describes the company's ability to manage its financing and the results illustrate that if there is an increase in nonperforming loans it will happen a decrease in the condition of the company's financial sustainability. Variable mobilization deposit no has an influence on the company's financial sustainability, this illustrates that the greater the amount of funds that can be collected by the bank if it cannot be channeled through the provision of credit to customers it will not have an impact on sustainability because it is considered that these funds do not contribute to financial performance such as for the development and return of operating results and vice versa there are indications that can affect the decline in the company's financial sustainability condition due to prove to have a negative relationship. Furthermore, the size of the company cannot determine the company's financial sustainability.