본 연구는 기호성이 높으며 여름철 고온에 강한 새로운 tall fescue 품종을 구명하기 위해 초지조성 후 5년째인 1997년 방목기간 동안에 북제주군 한림읍 이시돌 목장에서 홀스타인 육성우(방목개시시 체중 110kg 내외)를 이용하여 구당 250(50mx50m)의 면적에서 2처리(T1 = Fawn tall fescue + orchardgrass + perennial ryegrass + white clover, T2 = Roa tall fescue )

This study seeks to analyze the effect of Non-Performing Loans and Capital Adequacy Ratio on Return on Assets on ten conventional banks listed on the Indonesia Stock Exchange (BEI-IDX). This study uses secondary panel data for 2015-2019 in the form of CAR and NPL values from ten conventional banks listed on the BEI-IDX during the 2020 observation period. The research approach is quantitative descriptive with data analysis methods, namely, linear regression. The testing phase of this study includes: transform value, F-test, T-test and hypothesis test with significancy level sig < 0.05. The results of this study reveal that Non-Performing Loans had a significant negative effect (t = -2,637) (0.011 <0.0) on Return on Assets, while Capital Adequacy Ratio has no significant effect on ROA (0.760 > 0.05). R2 value is 0.128 or 12.8%. It has a significant effect on variables, calling efforts by banks, governments, and authorities monetary of related institutions to maintain the stability of finance. The reduction of Non-Performing Loan impacts on assets and capital adequacy ratio, besides, the normal NPL will control the stability of finance. If a balance is created either in the form of values or amounts of the variables, the reduction in Non-Performing Loans will be controlled.