FAKTOR MAKRO, FAKTOR SPESIFIK BANK DAN NON PERFORMING LOAN PADA BANK DI INDONESIA
| Main Authors: | Setiawan, Rahmat, Purwienanti, Eiffeliena N. F. |
|---|---|
| Format: | Article info application/pdf eJournal |
| Bahasa: | eng |
| Terbitan: |
Jurnal Tepak Manajemen Bisnis
, 2019
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| Subjects: | |
| Online Access: |
https://ejournal.unri.ac.id/index.php/JTMB/article/view/7223 https://ejournal.unri.ac.id/index.php/JTMB/article/view/7223/6368 |
Daftar Isi:
- The increased amount of loan disbursement is inseparable from theexposure of their risk inherent, including credit risk. Using multiple regressionanalysis, this study was conducted on 40 banks listed on the Indonesia StockExchange (IDX) during the period 2008-2016. Gross Domestic Product (GDP),exchange rate, interest rate and inflation as macroeconomic factors. While thespecific bank variables include Capital Adequacy Ratio (CAR), Loan to DepositRatio (LDR), Return to Asset (ROA) and Credit Growth. The empiricalanalysisshows that interest rate had a positive effect and inflation had a negative impacton NPL. GDP and exchange rates have no significant impact. However, othervariables affect NPL significantly. CAR does not affect NPL. Hence, NPLs can beadequately explained by the bank-specific variables whose all variables affect theNPL.