Dampak Makroekonomi Terhadap Nonperforming Loans: Studi Kasus Bank Konvensional Di Asean

Prasetyo, Alvin Sugeng

doi:10.21107/kompetensi.v14i2.8965

Cited by 3 publications

(2 citation statements)

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“…When there is inflation, it has an effect on increasing spending because the higher the level of spending, the higher the level of inflation on consumption. Inflation also has a real effect on reducing the income of the community and companies, which will have an impact on debtors who will have difficulty repaying loans to banks (Prasetyo, 2020).…”

Section: Inflationmentioning

confidence: 99%

The Impact of Macroeconomic Indicators and Bank Spesific Factors on Comercial Bank NPLs in the Province of South Sumatera

Oktaviani,

Yefriza

2024

JIUBJ

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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.

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Section: Inflationmentioning

confidence: 99%

The Impact of Macroeconomic Indicators and Bank Spesific Factors on Comercial Bank NPLs in the Province of South Sumatera

Oktaviani,

Yefriza

2024

JIUBJ

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“…According to Prasetyo (2009), the amount of money in circulation is M + + savings + time deposit at commercial banks. Based on Bank Indonesia's publications throughout 2016, the amount of money in circulation increased by Rp.M 506,615.51 and in 2019 the amount of money in circulation has increased by Rp.…”

Section: Introductionmentioning

confidence: 99%

The US-China Trade War and Factors Affecting Indonesian Exports

Maghfiroh

2021

jef

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This study aimed to determine the short and long-term effects of trade wars, consumer price index (CPI), interest rates, money supply, and the exchange rate on exports. This study belonged to quantitative research. It used an Error Correction Model (ECM) analysis with secondary data. The results of the analysis showed that consumer price index (CPI) in the short and long-term had a negative and significant effect on exports, while the money supply, the trade war between United Stated and China had significant positive effects on exports in the long run, but no effect on the short-term. Money supply had a significant positive effect on exports in the long run, while in the short-term there was no significant effect on exports. The last, interest rates had a negative and significant effect on exports in the long run, while the short-term did not. Penelitian ini bertujuan untuk mengetahui pengaruh jangka pendek dan jangka panjang perang dagang, indeks harga konsumen (IHK), suku bunga, jumlah uang beredar (JUB), nilai tukar terhadap ekspor. Data yang digunakan dalam penelitian ini adalah data sekunder, dan menggunakan jenis penelitian kuantitatif. Penelitian ini menggunakan alat analisis Error Correction Model (ECM). Hasil analisis menunjukkan bahwa indeks harga konsumen (IHK) dalam jangka pendek dan jangka panjang berpengaruh negatif dan signifikan terhadap ekspor, sedangkan jumlah uang beredar (JUB), perang dagang antara Amerika Serikat dan China berpengaruh signifikan. berpengaruh positif terhadap ekspor dalam jangka panjang sedangkan dalam jangka pendek tidak berpengaruh terhadap ekspor. Jumlah uang beredar (JUB) berpengaruh positif signifikan terhadap ekspor dalam jangka panjang sedangkan jangka pendek tidak berpengaruh signifikan terhadap ekspor, suku bunga berpengaruh negatif dan signifikan terhadap ekspor dalam jangka panjang sedangkan jangka pendek tidak berpengaruh signifikan terhadap ekspor.

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Determinants of Non-Performing Loans and Non-Performing Financing level: Evidence in Indonesia 2008-2021

Nasir

Oktaviani

Andriyani

2022

Banks and Bank Systems

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Banking stability plays an important role as an intermediary in the economy. Both the economy and the banking sector affect each other. This study aims to investigate the effect and response of external variables and internal bank variables on Non-Performing Loans at Conventional Commercial Banks and Non-Performing Financing at Islamic Commercial Banks. This study uses macroeconomic variables such as economic growth and inflation, while a bank’s internal variables include the Loan to Deposit Ratio, Financing to Deposit Ratio, and Capital Buffer. This study employs Vector Autoregressive Regression (VAR) to examine the time series data. The results showed that the variable Economic Growth at lag-1, Loan to Deposit Ratio at lag-1, and Capital Buffer at lag-2 significantly affect Non-Performing Loans. While the variable that has a significant effect on Non-Performing Financing is only Economic Growth at lag-1. In addition, as can be seen from the Impulse Response Function curve, Non-Performing Financing tends to be more stable toward shocks from the variables used than Non-Performing Loans. The findings suggest that banks are encouraged to be more selective in loan disbursement and maintain minimal capital adequacy by taking into account the principle of prudence and referring to the bank’s health criteria.

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Dampak Makroekonomi Terhadap Nonperforming Loans: Studi Kasus Bank Konvensional Di Asean

Cited by 3 publications

References 0 publications

The Impact of Macroeconomic Indicators and Bank Spesific Factors on Comercial Bank NPLs in the Province of South Sumatera

The Impact of Macroeconomic Indicators and Bank Spesific Factors on Comercial Bank NPLs in the Province of South Sumatera

The US-China Trade War and Factors Affecting Indonesian Exports

Determinants of Non-Performing Loans and Non-Performing Financing level: Evidence in Indonesia 2008-2021

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