Pengaruh Faktor Makroekonomi Dan Fundamental Bank Terhadap NPL Pada Bank Umum Konvensional Di Indonesia Yang Terdaftar BEI Tahun 2020-2022
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Widiasningrum, Nadya
Subject
HB Economic Theory
Datestamp
2023-09-04 07:43:50
Abstract :
Abstract Non-Performing Loan (NPL) is a risk caused by customers having difficulty paying off loans with interest according to the agreed terms. The purpose of this study is to see whether there is an influence or not from macroeconomic factors, namely inflation and the BI Rate, as well as fundamental factors, namely CAR on NPLs at conventional commercial banks listed on the IDX. This study uses 120 data samples of conventional banks on the IDX that have published their financial reports at the OJK in 2020-2022. Sources of data in this study used secondary data with a purposive sampling data collection technique. Multiple linear regression analysis was used in this study with the help of the SPSS 22 program. After processing the data, it was found that the BI Rate variable had a significant positive effect on NPL, while the inflation and CAR variables had a significant negative effect on NPL. Keyword : NPL, Inflation, Interest Rate, CAR, Covid-19
Abstract Non-Performing Loan (NPL) is a risk caused by customers having difficulty paying off loans with interest according to the agreed terms. The purpose of this study is to see whether there is an influence or not from macroeconomic factors, namely inflation and the BI Rate, as well as fundamental factors, namely CAR on NPLs at conventional commercial banks listed on the IDX. This study uses 120 data samples of conventional banks on the IDX that have published their financial reports at the OJK in 2020-2022. Sources of data in this study used secondary data with a purposive sampling data collection technique. Multiple linear regression analysis was used in this study with the help of the SPSS 22 program. After processing the data, it was found that the BI Rate variable had a significant positive effect on NPL, while the inflation and CAR variables had a significant negative effect on NPL. Keyword : NPL, Inflation, Interest Rate, CAR, Covid-19
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