AMANDA, AMANDA (2025) ANALISIS PENGARUH INKLUSI KEUANGAN TERHADAP NON PERFORMING LOANS DI 25 NEGARA BERKEMBANG. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This study analyzes the effect of Financial Inclusion on Non-Performing Loans (NPL) in 25 developing countries during the period 2010–2023. Financial Inclusion is used as the main variable, while Foreign Direct Capital Flows, Private Sector Domestic Credit, Central Bank Interest Rates and Rule of Law are used as control variables. The estimation method used is the Generalized Method of Moments (GMM) to overcome the endogeneity problem in dynamic panel data. The results show that Foreign Direct Capital Flows, Private Sector Domestic Credit, Central Bank Interest Rates have a significant positive effect on NPL, while Financial Inclusion, GDP Percapita Growth and Rule of Law has a significant negative effect on NPL. This finding confirms the importance of Financial Inclusion in maintaining banking stability in developing countries.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Penelitian ini menganalisis pengaruh inklusi keuangan terhadap Non-Performing Loans (NPL) di 25 negara berkembang selama periode 2010–2023. Inklusi keuangan digunakan sebagai variabel utama, sementara Aliran Modal Asing Langsung, Kredit Domestik Sektor Swasta, Suku Bunga Bank Sentral dan Rule of Law dijadikan variabel kontrol. Metode estimasi yang digunakan adalah Generalized Method of Moments (GMM) untuk mengatasi masalah endogenitas dalam data panel dinamis. Hasil penelitian menunjukkan bahwa Aliran Modal Asing Langsung, Kredit Domestik Sektor Swasta, Suku Bunga Bank Sentral berpengaruh positif signifikan terhadap NPL, Sedangkan Inklusi Keuangan, GDP Percapita Growth dan Rule of Law berpengaruh negatif signifikan terhadap NPL. Temuan ini menegaskan pentingnya inklusi keuangan dalam menjaga stabilitas perbankan di negara berkembang. | |||||||||
| Uncontrolled Keywords: | Non-Performing Loans, Financial Inclusion, FDI, Macroeconomic Indicators, Generalized Method of Moments Non-Performing Loans, Inklusi Keuangan, FDI, Indikator Makroekonomi, Generalized Method of Moments | |||||||||
| 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: | Mrs Z Amanda | |||||||||
| Date Deposited: | 07 Aug 2025 03:55 | |||||||||
| Last Modified: | 07 Aug 2025 03:55 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/51573 |
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