NAJMUDDIN, AZHAR (2024) ANALISIS PENGARUH FAKTOR MAKROEKONOMI DAN BANK SPESIFIK TERHADAP KREDIT MACET DI INDONESIA. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
The increasingly complex banking conditions have given rise to challenges in management in the financial and banking sectors. Credit-related policies are products that have various risks, such as bad credit. The complex financial situation has an impact on the increase in bad credit. This research aims to determine the influence of macroeconomic factors and bank-specific factors on the value of bank’s bad loans in Indonesia in 2013-2023. The research method used is the Generalized Method of Moment (GMM). The results of this study show that Gross Domestic Product, Operational Expenses to Operating Income, and Loan to Deposit Ratio have a significant influence on Non-Performing Loan, while Inflation and BI Rate do not have a significant influence on Non-Performing Loan.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Kondisi perbankan yang semakin kompleks memunculkan tantangan dalam pengelolaan dalam sektor keuangan dan perbankan. Kebijakan mengenai kredit merupakan produk yang memiliki berbagai risiko, salah satunya yaitu kredit macet. Situasi keuangan yang kompleks dapat mengakibatkan terjadinya peningkatan kredit macet. Tujuan dilakukannya penelitian ini ialah untuk mengetahui dampak faktor makroekonomi dan faktor spesifik bank terhadap nilai kredit macet di Indonesia tahun 2013-2023. Penelitian ini menggunnakan metode Generalized Method of Moment (GMM). Temuan pada penelitian ini menunjukkan bahwa variabel Pertumbuhan Produk Domestik Bruto, Beban Operasional Pendapatan Operasional, dan Loan to Deposit Ratio memiliki pengaruh signifikan terhadap Non-Performing Loan, sedangkan Inflasi dan BI Rate tidak memiliki pengaruh signifikan terhadap Non-Performing Loan. | |||||||||
| Uncontrolled Keywords: | Non-Performing Loan, Pertumbuhan Produk Domestik Bruto, Beban Operasional Pendapatan Operasional, Loan to Deposit Ratio, Inflasi, BI Rate Non-Performing Loan, Gross Domestic Product, Operational Expenses to Operating Income, Loan to Deposit Ratio, Inflation, BI Rate | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 60201-Program Sarjana Ilmu Ekonomi Pembangunan |
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| Depositing User: | Azhar Najmuddin | |||||||||
| Date Deposited: | 01 Aug 2024 10:23 | |||||||||
| Last Modified: | 15 Aug 2024 10:05 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/39931 |
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