Analisis Pengaruh Makroekonomi dan Spesifik Bank Terhadap Non-Performing Loan Bank Perkreditan Rakyat 3 Provinsi Tertinggi di Indonesia

Ogustianto, Kenny (2020) Analisis Pengaruh Makroekonomi dan Spesifik Bank Terhadap Non-Performing Loan Bank Perkreditan Rakyat 3 Provinsi Tertinggi di Indonesia. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Penelitian ini untuk menganalisis non-performing loan yang dipengaruhi oleh faktor eksternal atau variabel makroekonomi dan faktor internal atau variabel spesifik bank. Faktor makroekonomi berhubungan dengan kegiatan moneter suatu negara, sedangkan faktor spesifik bank mencerminkan kinerja suatu perusahaan. Faktor makroekonomi yang digunakan dalam penelitian yaitu pertumbuhan GDP dan suku bunga. Faktor spesifik bank terdiri dari inefficiency, profitabilitas, capital ratio, ukuran perusahaan, pertumbuhan kredit, dan loan to deposit ratio. Objek yang digunakan dalam penelitian ini yaitu BPR yang telah terdaftar di Otoritas Jasa Keuangan provinsi Gorontalo, Sulawesi Tenggara, dan Sumatra Selatan. Data-data penelitian diperoleh dari laporan keuangan yang diterbitkan oleh setiap BPR dengan periode tahun 2014 hingga 2018. Metode purposive sampling merupakan cara pengumpulan data yang digunakan dalam penelitian ini. Jumlah sampel penelitian yang digunakan sebagai bahan observasi yaitu 30 BPR dengan total data berjumlah 571 data. Dari hasil penelitian akhir menunjukkan bahwa terdapat pengaruh signifikan positif inefficiency dan capital ratio terhadap non-performing loan, sedangkan profitabilitas, ukuran perusahaan, pertumbuhan kredit, dan loan to deposit ratio berpengaruh signifikan negatif terhadap non-performing loan. Variabel makroekonomi tidak memiliki hubungan signifikan terhadap non-performing loan secara langsung. ********************************************************************** This study is purposed to analyze the non-performing loan that is affected by an external factor or macro-economy variable and internal factor or specific bank variable. The macro-economy factor is related to the monetary activity of the country, while the specific bank factor reflects on the performance of certain companies. The macro-economy factor used in research is GDP growth and interest rate. Bank specific factor is comprised of inefficiency, profitability, capital ratio, company size, credit growth and loan to deposit ratio. The object that is used in the research is Rural Banks that have been registered in the Financial Services Authority province of Gorontalo, Southeast Sulawesi, and South Sumatra. Research data are acquired from the financial report published by each Rural Banks period from 2014 to 2018. Purposive sampling is the method used for data gathering for this research. The number of research samples used as observation material is 30 Rural Banks with a total of 571 data. The final result of the research showed that there is a significant positive effect of inefficiency and capital ratio towards non-performing loan, while profitability, company size, credit growth, and loan to deposit ratio have a significant negative effect on non-performing loan. The macro-economy variable does not have a direct and significant relation with the non-performing loan.

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