The Effect of Earning Asset Quality and Loan to Deposit Ratio on Non-Performing Loan of Rural Banks: Comparison between before and during the Covid-19 Pandemic

This study aims to analyze the effect of Loan Deposit Ratio (LDR) and Earning Asset Quality (EAQ) on Non-Performing (NPL) before during Covid-19 pandemic. The data used in this are quarterly reports rural banks Central Java from 174 banks. Data analysis was carried out by comparing multiple linear regressions results show that pandemic can strengthen negative relationship between LDR NPL, as well positive EAQ NPL. Covid1-19 had an insignificant effect, but it a significant effect. Whereas NPL both