PENGARUH FAKTOR-FAKTOR NON PERFORMING LOAN PADA BANK UMUM DI INDONESIA
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Institusion
Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta
Author
Cahyarini, Widya
Subject
Akuntansi Manajemen
Datestamp
2021-12-01 01:39:47
Abstract :
Penelitian bertujuan untuk mengetahui pengaruh antara Inflasi, Suku Bunga Sertifikat Bank Indonesia, dan Nilai Tukar IDR/USD terhadap Non Performing Loan pada Bank Umum di Indonesia tahun 2015-2019. Penelitian ini menggunakan jenis penelitian deskriptif pendekatan kuantitatif, yang diukur dengan menggunakan metode berbasis regresi linier berganda. Sampel dari penelitian ini bersumber dari Badan Pusat Statistik Indonesia (BPS) periode 2015-2019. Variabel dari penelitian ini terbagi menjadi 2 yaitu, 1 variabel dependen (Non Performing Loan) dan 3 variabel independen (Inflasi, Suku Bunga Sertifikat Bank Indonesia, dan Nilai Tukar IDR/USD). Pengujian hipotesis menggunakan 3 uji yaitu, Uji Simultan (Uji F), Uji Parial (Uji t), dan Uji Koefisien Determinasi (R2). Hasil penelitian membuktikan bahwa : 1) Inflasi berpengaruh positif terhadap Non Performing Loan. 2) Suku Bunga Sertifikat Bank Indonesia berpengaruh terhadap Non Performing Loan. 3) Nilai Tukar IDR/USD berpengaruh terhadap Non Performing Loan. This research aims to determine the effect of Inflation, Bank Indonesia Certificate Interest Rates, and IDR/USD Exchange Rate on Non Performing Loans at Commercial Banks in Indonesia in 2015-2019. This research uses descriptive research with a quantitative approach, which is measured using multiple linear regression-based methods. The sample of this research came from the Indonesian Central Bureau of Statistics (BPS) for the period 2015-2019. The variables of this study are divided into 2, namely, 1 dependent variable (Non Performing Loan) and 3 independent variables (Inflation, Bank Indonesia Certificate Interest Rate, and IDR / USD Exchange Rate). Hypothesis testing uses 3 tests, namely, Simultaneous Test (F Test), Parial Test (t Test), and Determination Coefficient Test (R2). The results of the study prove that: 1) Inflation has a positive effect on Non-Performing Loans. 2) Interest Rate on Bank Indonesia Certificates has an effect on Non Performing Loans. 3) The IDR / USD Exchange Rate affects the Non Performing Loan.
Penelitian bertujuan untuk mengetahui pengaruh antara Inflasi, Suku Bunga Sertifikat Bank Indonesia, dan Nilai Tukar IDR/USD terhadap Non Performing Loan pada Bank Umum di Indonesia tahun 2015-2019. Penelitian ini menggunakan jenis penelitian deskriptif pendekatan kuantitatif, yang diukur dengan menggunakan metode berbasis regresi linier berganda. Sampel dari penelitian ini bersumber dari Badan Pusat Statistik Indonesia (BPS) periode 2015-2019. Variabel dari penelitian ini terbagi menjadi 2 yaitu, 1 variabel dependen (Non Performing Loan) dan 3 variabel independen (Inflasi, Suku Bunga Sertifikat Bank Indonesia, dan Nilai Tukar IDR/USD). Pengujian hipotesis menggunakan 3 uji yaitu, Uji Simultan (Uji F), Uji Parial (Uji t), dan Uji Koefisien Determinasi (R2). Hasil penelitian membuktikan bahwa : 1) Inflasi berpengaruh positif terhadap Non Performing Loan. 2) Suku Bunga Sertifikat Bank Indonesia berpengaruh terhadap Non Performing Loan. 3) Nilai Tukar IDR/USD berpengaruh terhadap Non Performing Loan. This research aims to determine the effect of Inflation, Bank Indonesia Certificate Interest Rates, and IDR/USD Exchange Rate on Non Performing Loans at Commercial Banks in Indonesia in 2015-2019. This research uses descriptive research with a quantitative approach, which is measured using multiple linear regression-based methods. The sample of this research came from the Indonesian Central Bureau of Statistics (BPS) for the period 2015-2019. The variables of this study are divided into 2, namely, 1 dependent variable (Non Performing Loan) and 3 independent variables (Inflation, Bank Indonesia Certificate Interest Rate, and IDR / USD Exchange Rate). Hypothesis testing uses 3 tests, namely, Simultaneous Test (F Test), Parial Test (t Test), and Determination Coefficient Test (R2). The results of the study prove that: 1) Inflation has a positive effect on Non-Performing Loans. 2) Interest Rate on Bank Indonesia Certificates has an effect on Non Performing Loans. 3) The IDR / USD Exchange Rate affects the Non Performing Loan.
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