The Impact of Macroeconomic Indicators and Bank Spesific Factors on Comercial Bank NPLs in the Province of South Sumatera
Abstract
Non-Perfoming Loan or non-performing loan is a ratio that can affect the stability of the banking financial system if NPLs are not managed properly, it will cause chaotic financial conditions and will cause economic problems.The purpose of this research is to examine the impact of macroeconomic indicators and bank-spesific factors on the Non Perfoming Loan ratio of commercial banks in Lampung Province. The study made use of time series data from 2010QI – 2022QIV. The type of data used is secondary data obtain from the Central Bureua of Statistics and Bank Indonesia. The independent variabeles are macroeconomic indicators such inflation, exchange rate, BI rate, as well as bank-spesific factors such as LDR, with Non-Perfoming Loan serving as the dependent variable. This study employs multiple liniear analysis methods as well as traditional assumptions. The findings revealed that macroeconomic variables and bank specific indikators both affect NPL, with LDR having a partially negative effect on NPL. The exchage rate has a positive effect non-perfoming loans, while inflation and the BI rate have no effect.ÂÂ
Keywords
Full Text:
PDFReferences
Abid, L., Ouertani, M. N., & Zouari-Ghorbel, S. 2014. Macroeconomic and Bank-specific Determinants of Household’s Non-performing Loans in Tunisia: A Dynamic Panel Data. Procedia Economics and Finance, 13, 58–68.
Bonin, J. P., & Huang, Y. 2001. Dealing with the bad loans of the Chinese banks. Journal of Asian Economics, 12(2), 197–214.
Derinda Febrianti Sakinah. 2021. Analisis Faktor Faktor Yang Mempengaruhi Non Performing Loan (Npl).
Djiwandono, J. S., 2016. Permasalahan kredit dalam kerangka pembiayaan pembangunan nasional. Economic Journal of Emerging Markets, 3–14.
Dwihandayani, D. 2018. Analisis kinerja Non Performing Loan (NPL) perbankan di Indonesia dan faktor-faktor yang mempengaruhi NPL. Jurnal Ilmiah Ekonomi Bisnis, 22(3).
Linda, M. R., Wati, M., & Wati, D. 2015. Pengaruh inflasi, kurs dan tingkat suku bunga terhadap non performing loan pada pt. bank tabungan negara (persero) tbk cabang padang. Economica, 3(2), 137–145.
Long, V. M., Yen, N. T., & Long, P. D. 2020. Factors affecting Non-Performing Loans (NPLs) of banks: The case of Vietnam. Hcmcoujs - Economics And Business Administration, 10(2).
Nurismalastri, N. 2017. Analisis Pengaruh Makro Ekonomi terhadap Kredit Bermasalah Perbankan Indonesia. Jurnal Sekuritas, 1(2), 103–116.
Palupi, A. D. A., & Azmi, F. 2019. Faktor-Faktor yang Mempengaruhi Non Performing Loan pada Perbankan di Indonesia. Indicators : Journal of Economic and Business, 1(2), 119–130.
Prasanna, P. K., Thenmozhi, M., & Rana, N. 2014. Determinants of non-performing advances in Indian banking system. Banks & Bank Systems, 9, Iss. 2, 65–77.
Prasetyo, A. S. 2020. Dampak Makroekonomi Terhadap Nonperforming Loans: Studi Kasus Bank Konvensional di ASEAN. Competence : Journal of Management Studies, 14(2), 223–233.
Rifat, A. M. 2016. An analytical study of determinants of non-performing loans: Evidence from non-bank financial institutions (NBFIs) of Bangladesh. Journal of Business and Technology (Dhaka), 55–67.
Setya Wijaya, R. 2019. Pengaruh Faktor Makro Ekonomi terhadap Kredit Bermasalah pada Bank Umum di Indonesia. Oeconomicus Journal of Economics, 4(1), 36–48.
Sinaga, J. S., Muda, I., & Silalahi, A. S. 2020. The Effect of BI Rate, Exchange Rate, Inflation and Third Party Fund (DPK) on Credit Distribution and Its Impact on Non Performing Loan (NPL) on XYZ Commercial Segment Bank. Universal Journal of Accounting and Finance, 8(3), 55–64.
Syaputra, R., & Adry, M. R. 2019. Pengaruh Variabel Makroekonomi Terhadap Stabilitas Sistem Keuangan Di Indonesia (Melalui Pendekatan Moneter). Jurnal Kajian Ekonomi Dan Pembangunan, 1(2), 473.
Zaidanin, J. S. Al. 2021. Determinants of non-performing loans in the United Arab Emirates conventional banks. International Journal of Research in Finance and Management, 4(2), 119–131.
DOI: http://dx.doi.org/10.33087/jiubj.v24i1.4632
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
|
