This study aims to examine and analyze whether bad credit have a significant effect on the profitability of stateowned banks listed on the Indonesia Stock study uses data from state-owned bankslisted on the Indonesia Stock Exchange during the period 2010 to 2017. The analyzed banks are 4 banks based on sample criteria. | Does bad credit affect the profitability of state owned banks listed on the Indonesia stock exchange? Research Journal of Finance and Accounting ISSN 2222-1697 (Paper) ISSN 2222-2847 (Online) , , 2020 Does Bad Credit Affect the Profitability of State-Owned Banks Listed on the Indonesia Stock Exchange? Ramon Arthur Ferry Tumiwa Economics Faculty, Universitas Negeri Manado, Tondano 95618, Indonesia Abstract This study aims to examine and analyze whether bad credit have a significant effect on the profitability of state- owned banks listed on the Indonesia Stock study uses data from state-owned bankslisted on the Indonesia Stock Exchange during the period 2010 to 2017. The analyzed banks are 4 banks based on sample criteria. The analysis method used is panel data analysis by using Microsoft Exel and Eviews 10 results of this study found that bad credit has a negative and significant impact on bank profitability where the greater the bad credit can lead to the smaller the ability of banks to make profit Keywords: bad credit, profitability, state-owned banks, Indonesia Stock Exchange DOI: Publication date: January 31st 2020 1. Introduction The bank is a financial intermediary institution that bridges the debtor with the creditor, or the institution that connects the parties that have excess funds with those who need funds. This can be seen from the activities of banks in collecting funds from the public through demand deposits, deposits and savings, and subsequently channeling these funds through lending to parties in need, conducting overseas payment transactions, foreign exchange services and other activities (Siamat, 2001). Banking is also called financial intermediary, which is a liaison institution between those who need funds and those who have excess funds (Budisantoso and Triandaru, 2006). The distribution of funds by banks is done through .
