Widiasningrum, Nadya (2023) Pengaruh Faktor Makroekonomi Dan Fundamental Bank Terhadap NPL Pada Bank Umum Konvensional Di Indonesia Yang Terdaftar BEI Tahun 2020-2022. Other thesis, STIE Bank BPD Jateng.
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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
| Item Type: | Thesis (Other) |
|---|---|
| Additional Information: | Abstrak Non Performing Loan (NPL) merupakan resiko yang disebabkan oleh nasabah karena mengalami kesulitan saat melunasi kredit dengan bunganya sesuai kesepakatan yang telah disetujui. Tujuan penelitian ini untuk melihat ada atau tidaknya pengaruh faktor makroekonomi yaitu Inflasi dan BI Rate serta faktor fundamental yaitu CAR terhadap NPL pada bank umum konvensional yang tercantum di BEI. Penelitian ini menggunakan 120 sampel data bank konvensioal di BEI yang telah mempublikasikan laporan keuangannya di OJK pada tahun 2020-2022. Sumber data pada penelitian menggunakan data sekunder dengan teknik pengambilan data purposive sampling. Analisis regresi linier berganda digunakan dalam penelitian ini dengan bantuan program SPSS 22. Setelah melakukan olah data diperoleh hasil bahwa variabel BI Rate berpengaruh positif signifikan terhadap NPL, sedangkan variabel inflasi dan CAR berpengaruh negatif signifikan terhadap NPL. Kata Kunci : NPL, Infasi, BI Rate, CAR, Covid-19 |
| Uncontrolled Keywords: | NPL, Inflation, Interest Rate, CAR, Covid-19 |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S1 |
| Date Deposited: | 04 Sep 2023 07:43 |
| Last Modified: | 04 Sep 2023 07:43 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/1408 |
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