Tandiari, Salsabila Putri and Vihetha DeviaVihetha Devia, SS,S.E.,PhD. (2023) Determinan Npl Bank Umum Di Indonesia Era Pandemi Covid-19. Sarjana thesis, Universitas Brawijaya.
Abstract
Selama pandemi covid-19, pergerakan tingkat NPL bank umum di Indonesia menunjukkan trend yang meningkat selama dua tahun. Hal ini menandakan bahwa gagal bayar oleh debitur selama pandemi covid-19 semakin meningkat mengingat banyaknya orang yang kehilangan pekerjaan serta menurunnya pendapatan yang diperoleh para perusahaan. Dengan demikian, tujuan dari penelitian ini yaitu menganalisis pengaruh inflasi, suku bunga, NIM, LDR dan Pandemi Covid-19 terhadap NPL bank umum di Indonesia selama 2017-2022. Penelitian ini menggunakan metode regresi data panel dengan sampel penelitian terdiri dari 4 bank umum persero. Hasil penelitian menyatakan bahwa inflasi, suku bunga dan NIM berpengaruh negatif signifikan terhadap NPL. Sedangkan LDR dan Pandemi Covid-19 berpengaruh positif signifikan terhadap NPL.
English Abstract
During the Covid-19 pandemic, the NPL level for commercial banks in Indonesia has shown an increasing trend for two years. This indicates that defaults by debtors during the Covid-19 pandemic are increasing considering The number of individuals who have experienced job loss and the decreased income earned by companies. Therefore, the objective of this study is to examine the impact of inflation, interest rates, NIM, LDR and Covid-19 Pandemic on NPLs of commercial banks in Indonesia during 2017-2022. The panel data regression method is employed in this research with the research sample consisting of 4 state-owned commercial banks. The results of the study stated that inflation, interest rates and NIM had a significant negative effect on NPL, while LDR and the Covid-19 Pandemic had a significant positive effect on NPL.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020521 |
| Uncontrolled Keywords: | NPL; Inflasi; Suku Bunga; NIM; LDR; Pandemi Covid-19 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 17 Jan 2024 02:34 |
| Last Modified: | 17 Jan 2024 02:34 |
| URI: | http://repository.ub.ac.id/id/eprint/206006 |
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