Rahmat Setiawan and Eiffeliena N. F. Purwienanti (2019) Faktor Makro, Faktor Spesifik Bank dan Non Performing Loan Pada Bank di Indonesia. Jurnal Tepak Manajemen Bisnis, 11 (1). pp. 87-97. ISSN 1979-3294

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Abstract

The increased amount of loan disbursement is inseparable from the exposure of their risk inherent, including credit risk. Using multiple regression analysis, this study was conducted on 40 banks listed on the Indonesia Stock Exchange (IDX) during the period 2008-2016. Gross Domestic Product (GDP), exchange rate, interest rate and inflation as macroeconomic factors. While the specific bank variables include Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return to Asset (ROA) and Credit Growth. The empirical analysis shows that interest rate had a positive effect and inflation had a negative impact on NPL. GDP and exchange rates have no significant impact. However, other variables affect NPL significantly. CAR does not affect NPL. Hence, NPLs can be adequately explained by the bank-specific variables whose all variables affect the NPL.

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