Nisa, Khanifatun (2024) PENGARUH FAKTOR INTERNAL DAN EKSTERNAL BANK TERHADAP KREDIT BERMASALAH PADA BANK UMUM KONVENSIONAL. Other thesis, STIE Bank BPD Jateng.
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Abstract
The declining financial condition due to the covid-19 pandemic has caused many individuals and businesses to experience difficulties in repaying their loans, resulting in an increase in NPLs. This study aims to determine the effect of internal and external bank factors on Non Performing Loan at conventional commercial banks. This research data is secondary data sourced from annual reports that have been published on the Indonesia Stock Exchange (IDX). The population in this study includes conventional commercial banks listed on the Indonesia Stock Exchange (IDX) in 2020 – 2022. Sampling using purposive sampling method so that 42 banks were obtained. The data analysis method in this research is multiple linear regression analysis using the help of SPSS version 25 software. Based on the results of the study, it shows that CAR and Gross Domestic Product have a negative effect on NPLs. While LAR, company size, and interest rates have no effect on NPLs. Keywords: Non Performing Loan, Internal Factors, and External Factors
| Item Type: | Thesis (Other) |
|---|---|
| Additional Information: | Kondisi keuangan yang menurun akibat adanya pandemi covid-19 menyebabkan banyak individu dan bisnis yang mengalami kesulitan dalam membayar pinjamannya, sehingga npl perbankan mengalami kenaikan. Penelitian ini bertujuan untuk mengetahui pengaruh faktor internal dan eksternal bank terhadap kredit bermasalah pada bank umum konvensional. Data penelitian ini adalah data skunder yang bersumber dari laporan tahunan yang telah dipublikasikan di Bursa Efek Indonesia (BEI). Populasi dalam penelitian ini meliputi bank umum konvensional yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2020 – 2022. Pengambilan sampel menggunakan metode purposive sampling sehingga diperoleh sebanyak 42 bank. Metode analisis data dalam penelitian ini adalah analisis regresi linear berganda dengan menggunakan bantuan perangkat lunak SPSS versi 25. Berdasarkan hasil penelitian menunjukkan bahwa CAR dan Produk Domestik Bruto berpengaruh negatif terhadap NPL. Sedangkan LAR, ukuran perusahaan, dan tingkat suku bunga tidak berpengaruh terhadap NPL. |
| Uncontrolled Keywords: | Kredit Bermasalah, Faktor Internal, dan Faktor Eksternal |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S1 |
| Date Deposited: | 05 Sep 2024 04:15 |
| Last Modified: | 05 Sep 2024 04:15 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/2114 |
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