PENGARUH INFLASI, GROSS DOMESTIC PRODUCT, SUKU BUNGA KREDIT, LOAN TO ASSET RATIO, DAN KUALITAS AKTIVA PRODUKTIF TERHADAP NON PERFORMING LOAN

EMY MARTINA

Abstract


Abstract: The purpose of this research was to analyze the effect on macroeconomic and banking factors against NPL. Macroeconomic factors in this research is Inflation and GDP, while for the banking factors is Credit Interest Rates, Loan to Asset Ratio (LAR), and Earning Assets Quality (EAQ). The results of the analysis indicate that the macroeconomic factors of inflation and GDP has no effect on the NPL. While the banking factors indicate that SBK, LAR, and KAP effect on the NPL. When viewed in the results of each variable, SBK has no effect on the NPL because of the determination of the policy of each bank to the customer. LAR significant negative effect on the NPL where LAR decreases, then NPL increase. KAP significant positive effect on the NPL where the risk KAP increase, then NPL increase too.


Keywords: NPL, Inflation, GDP, Credit Interest Rates, LAR, and EAQ.


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