Hakim, Muhammad nur and Hidayat, Ariodillah and Asngari, Imam and Shodrokova, Xenaneira (2023) Non-Performing Loans Indonesian Banking Industry: Before and During Covid-19 Pandemic. Economics Development Analysis Journal, 12 (4). pp. 13-28. ISSN 2252-6560
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Abstract
This study examines the factors influencing Non-Performing Loans in the Indonesian Banking Industry, specifically the Bank Group based on Core Capital (KBMI) 4, both before and during the COVID-19 Pandemic. Secondary data, spanning from January 2019 to September 2021, is utilized in this analysis. The study employs the error correction (ECM) model through regression analysis techniques. The findings indicate that the Loan Deposit Ratio and Bank Indonesia (BI) Rate significantly and negatively impact Non-Performing Loans in both the short and long term. Furthermore, the Dummy COVID-19 variable significantly and positively influences Non-Performing Loans in both the short and long term. While Net Interest Margin exhibits a positive but non-significant effect in the short term, it demonstrates a positive and significant effect on Non-Performing Loans in the long term.
| Item Type: | Article |
|---|---|
| Uncontrolled Keywords: | COVID-19, Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Interest Rate, Non-Performing Loan (NPL). |
| Subjects: | H Social Sciences > HG Finance > HG1501-3550 Banking |
| Divisions: | 01-Faculty of Economics > 60201-Development Economics (S1) |
| Depositing User: | ariodillah hidayat ario hidayat |
| Date Deposited: | 19 Jun 2025 03:18 |
| Last Modified: | 19 Jun 2025 03:39 |
| URI: | http://repository.unsri.ac.id/id/eprint/175566 |
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