Dampak Faktor Makroekonomi terhadap Non Performing Loan pada Kredit Produktif Bank Umum di Indonesia

Alben Hernando, Sekolah Bisnis dan Ekonomi -Universitas Prasetiya Mulya BSD City Kavling Edutown I.1 , Jl. BSD Raya Utama, BSD City, Tangerang 15339, Elvaretta Miranda, Lauw Luvena Aileen Theodora, Yohanes B. Kadarusma, Glisera Agri Ariyan, Sekolah Bisnis dan Ekonomi -Universitas Prasetiya Mulya BSD City Kavling Edutown I.1 , Jl. BSD Raya Utama, BSD City, Tangerang 15339, Sekolah Bisnis dan Ekonomi -Universitas Prasetiya Mulya BSD City Kavling Edutown I.1 , Jl. BSD Raya Utama, BSD City, Tangerang 15339, Sekolah Bisnis dan Ekonomi -Universitas Prasetiya Mulya BSD City Kavling Edutown I.1 , Jl. BSD Raya Utama, BSD City, Tangerang 15339, Sekolah Bisnis dan Ekonomi -Universitas Prasetiya Mulya BSD City Kavling Edutown I.1 , Jl. BSD Raya Utama, BSD City, Tangerang 15339
2020 Studi Akuntansi dan Keuangan Indonesia  
This study aims to find out the factors that affect non-performing loans of productive loans of commercial banks registeredin oritas Jasa Keuangan. This study examined the macroeconomic variables that affect productive credit NPLs. The sample used is a commercial bank in Indonesia, which is registered in OJK. Productive credit NPL data are taken quarterly from 2003 to 2017,and 56 observationsare obtained. The regression model used in this study is ARDL, with the help of processing Eviews 10
more » ... ware. The macroeconomic variables tested in this research consist of GDP growth, loan interest rates growth, and IDR/ USD exchangerate growth. GDP growth and exchange rate growth has a negative relationship, while loan interest rates growth does not have a significant relationship with the dependent variable.
doi:10.21632/saki.3.1.1-28 fatcat:7wlp4xbfcrhg5difrkfvjvzgye