文章基本信息

标题：FAKTOR YANG MEMENGARUHI KREDIT BERMASALAH BANK KONVENSIONAL DAN SYARIAH DI INDONESIA:
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作者：Risna Eka Pertiwi ; Yusman Syaukat ; Dwi Rachmina 等
期刊名称：Jurnal Aplikasi Bisnis dan Manajemen
印刷版ISSN：2528-5149
电子版ISSN：2460-7819
出版年度：2020
卷号：6
期号：1
页码：118-118
DOI：10.17358/jabm.6.1.118
出版社：Bogor Agricultural University
摘要：Credit risk is the risk that occurs when the borrower cannot pay an installment in the bank, both principle and interest. A bank’s credit risk can be reflected in the value of the non-performing loan (NPL) in a conventional bank and the non-performing financing (NPF) in an Islamic bank. The study purposes were to analyze the influence of macroeconomic factors and the bank’s internal factors to NPL and NPF. The data collected were quarterly data from 2008 to 2017 from 9 conventional banks and 3 Islamic banks. This study employed a panel data method. The results showed interest rate, growth of GDP and LDR that had a probability value of < 0.05 against NPL, where at NPF only interest rate, exchange rate, growth of GDP had a probability value < 0.05. We concluded that interest rate, growth of GDP and LDR had a significant effect on NPL while interest rate, exchange rate and growth of GDP factors significantly influenced NPF.
关键词：NPL; NPF; suku bunga; pertumbuhan GDP; data panel