Naibaho, Kristiani (2018) Pengaruh GDP, Inflasi, BI Rate, Nilai Tukar terhadap Non Performing Loan Bank Umum Konvensional Di Indonesia Tahun 2012- 2016. Sarjana thesis, Universitas Brawijaya.
Abstract
Bank merupakan lembaga keuangan yang usaha pokoknya memberikan kredit dan jasa-jasa dalam lalu lintas pembayaran dan peredaran uang. Pemberian kredit merupakan kegiatan utama bank sebagai lembaga keuangan. Penyaluran kredit memiliki resiko kredit, resiko kredit muncul ketika kreditur tidak dapat memenuhi kewajibannya tepat pada waktunya ataupun tidak membayar kewajibannya. Semakin besar kredit yang diberikan, maka akan diikuti juga tingginya resiko gagal membayar kredit oleh debitur. Resiko tersebut dapat dihitung dengan Non Performing Loan (NPL). Perkembangan makro ekonomi (pertumbuhan ekonomi, tingkat bunga, nilai tukar dan inflasi) mencerminkan stabilitas perekonomian yang dapat mempengaruhi kinerja sektor keuangan suatu negara, semakin stabilnya perekonomian dapat berdampak pada perkembangan sektor keuangan. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian adalah explanatory dengan pendekatan kuantitatif. Penelitian ini menggunakan data sekunder yang diperoleh dari website resmi dari masing-masing bank yang menjadi sampel penelitian. Populasi yang digunakan dalam penelitian ini berjumlah 42 bank umum konvensional di Indonesia. Sampel yang digunakan dalam penelitian berjumlah 23 bank umum konvensional di Indonesia yang diperoleh melalui metode pengambilan sampel purposive sampling. Hasil penelitian menunjukkan Uji t parsial GDP pada NPL terdapat pengaruh signifikan negatif, inflasi tidak berpengaruh signifikan, sedangkan BI Rate dan nilai tukar berpengaruh signifikan positif. Hasil Uji F menunjukkan bahwa variabel bebas yaitu Gross Domestic Product, Inflasi, BI Rate, Nilai Tukar secara bersama-sama berpengaruh secara signifikan terhadap variabel terikat yaitu Non Performing Loan Bank Umum Konvensional di Indonesia.
English Abstract
Bank is a financial institution whose main business is providing credit and services in the payment traffic and money circulation. Lending is the main activity of the bank as a financial institution. Loan disbursement has a credit risk, credit risk arises when the creditor is unable to meet its obligations on time or does not pay its obligations. The greater the credit given, it will be followed by the high risk of failing to pay the credit by the debtor. The risk can be calculated with Non Performing Loan (NPL). Macroeconomic developments (economic growth, interest rates, exchange rates and inflation) reflect the stability of the economy that can affect the financial sector performance of a country, the more stable the economy can impact on the development of the financial sector. The research method used in this research is explanatory research with quantitative approach. This research uses secondary data obtained from the official website of each bank that became the research sample. The total population used in this research are 42 conventional banks in Indonesia. Total samples used in this research are 23 conventional banks in Indonesia which are obtained through the purposive sampling method. The result of this research shows that the partial t-test of GDP on NPL has significant negative effect, inflation has no significant effect, while the BI Rate and exchange rate have a significant positive effect. F test results show that the independent variables, Gross Domestic Product, Inflation, BI Rate, Exchange Rate significantly influence on the dependent variable, Non Performing Loan Conventional Bank in Indonesia.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FIA/2018/860/051810106 |
| Uncontrolled Keywords: | GDP, Inflasi, BI Rate, Nilai Tukar, NPL-GDP, Inflation, BI Rate, Exchange Rate, NPL |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.1 Banks |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 26 Mar 2019 02:59 |
| Last Modified: | 25 Oct 2021 06:13 |
| URI: | http://repository.ub.ac.id/id/eprint/162118 |
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