GIOVANNI, Virginia Silva (2019) Macroeconomic and Bank Specific Determinant of Non-Perfoming Loan In Rural Bank (Case Study on Conventional Rural Bank in Central Java in the 2013-2017 Period). Skripsi thesis, Universitas Jenderal Soedirman.
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Abstract
This thesis is titled “Macroeconomic and Bank Specific determinant of Non-performing loan in Rural Bank”. This research is a study about the influence of Exchange Rate,Inflation,Interest Rate, Return on Asset,Operating Efficieny Ratio, and Interest Net Margin towards Non Peforming Loan. This study took the period of January 2013 - December 2017 as a sample. The source of data on this research uses secondary data which took from audited annual financial statements and data supporting sources of Bank Indonesia. By use Purposive Sampling method to determine sample size, the total number of samples in this research are 160 rural banks with 800 panel data. The analysis tool used was panel data regression model. Using E-Views as the analysis tool, the result of hypothesis testing using is in the following data: (1) Exchange rate has a negative effect on NPL,(2) Inflation does not affect the NPL,(3) Real interest rates have a negative effect on NPL, (4) Return on assets does not affect the NPL, (5) Operating efficiency has a positive effect on NPL, (6) Net interest margin does not affect NPL. The implications of this thesis are o reduce the NPL ratio, the company must reduce the level of bad credit, efforts that can be done is by preventing the occurrence of bad credit by not giving credit originally without the research of parties who want to apply for credit, besides providing strict criteria for those who want apply for credit, and ensure that those who want credit have the ability to pay off their credit in accordance with the specified time period.
Item Type: | Thesis (Skripsi) |
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Nomor Inventaris: | C19246 |
Uncontrolled Keywords: | Nilai Tukar, Inflasi, Suku Bunga, Pengembalian Aktiva, Rasio Efficieny Operasional, dan Margin Neto Bunga, Kredit Bermasalah (NPL) |
Subjects: | B > B36 Banks and banking |
Divisions: | Fakultas Ekonomi dan Bisnis > S1 Manajemen |
Depositing User: | Mr Supriyana Supriyana |
Date Deposited: | 02 Jan 2020 08:14 |
Last Modified: | 02 Jan 2020 08:14 |
URI: | http://repository.unsoed.ac.id/id/eprint/3314 |
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