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标题：FAKTOR-FAKTOR YANG MEMENGARUHI RATIO NON PERFORMING LOAN (NPL)
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作者：Setiyaningsih Setiyaningsih ; Bambang Juanda ; Anna Fariyanti 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：2015
卷号：1
期号：1
页码：23-23
DOI：10.17358/jabm.1.1.23
出版社：Bogor Agricultural University
摘要：This research has the aim to analyze the factors which give impact in ratio of NPL (Non Performing Loan) in XYZ Bank Jakarta. NPL can be caused by the internal factors such as policies, human capitals, etc., and can be caused by external factors through macro-economic changes such as loan-outstanding, BI rate, and foreign exchange (Indonesia Rupiah to US Dollar). This research is a descriptive research with direct approach to the primary and secondary data. The analysis method was using the multiple linear regression method with data time series from June 2008 to June 2014. The multiple linear regression method was used to see the impacts of volume of loan-outstanding, BI rate, and foreign exchange to NPL ratio, and testing differences between level of NPL before and after the separation of RM (Relationship Manager) and CA (Credit Analyst) function in Bank XYZ Jakarta. All of data processing steps in this research use software Eviews Version 6.0. The result of this research are Loan-outstanding or number of lending, foreign exchange and the dummy of RM and CA separation function have impact to NPL Ratio. The BI-rate change which was happened along the research gives no impact to NPL Ratio. The NPL Ratio is relatively better and it is not affected of the increasing of BI rate. It is not only because of performing loans but also caused by the existing write-off portfolios.
其他摘要：This research has the aim to analyze the factors which give impact in ratio of NPL (Non Performing Loan) in XYZ Bank Jakarta. NPL can be caused by the internal factors such as policies, human capitals, etc., and can be caused by external factors through macro-economic changes such as loan-outstanding, BI rate, and foreign exchange (Indonesia Rupiah to US Dollar). This research is a descriptive research with direct approach to the primary and secondary data. The analysis method was using the multiple linear regression method with data time series from June 2008 to June 2014. The multiple linear regression method was used to see the impacts of volume of loan-outstanding, BI rate, and foreign exchange to NPL ratio, and testing differences between level of NPL before and after the separation of RM (Relationship Manager) and CA (Credit Analyst) function in Bank XYZ Jakarta. All of data processing steps in this research use software Eviews Version 6.0. The result of this research are Loan-outstanding or number of lending, foreign exchange and the dummy of RM and CA separation function have impact to NPL Ratio. The BI-rate change which was happened along the research gives no impact to NPL Ratio. The NPL Ratio is relatively better and it is not affected of the increasing of BI rate. It is not only because of performing loans but also caused by the existing write-off portfolios.
关键词：NPL; loans outstanding; BI Rate; nilai tukar; pemisahan fungsi RM; credit analyst Downloads Download data is not yet available;PDF Published 2015-08-25 How to Cite Setiyaningsih; S.; Juanda; B.; & Fariyanti; A;(2015);FAKTOR-FAKTOR YANG MEMENGARUHI RATIO NON PERFORMING LOAN (NPL);Jurnal Aplikasi Bisnis Dan Manajemen (JABM) ; 1 (1); 23;https://doi.org/10.17358/jabm.1.1.23 More Citation Formats ACM ACS APA ABNT Chicago Harvard IEEE MLA Turabian Vancouver Download Citation Endnote/Zotero/Mendeley (RIS) BibTeX Issue Vol;1 No;1 (2015): JABM Vol 1;No 1; Agustus 2015 Section Articles Make a Submission Citation Analysis