DETERMINAN NON PERFORMING LOAN PADA BANK BUKU IV DI INDONESIA STUDI KASUS SEBELUM DAN SELAMA PANDEMI COVID-19

HAKIM, MUHAMMAD NUR and Asngari, Imam and Hidayat, Ariodillah (2022) DETERMINAN NON PERFORMING LOAN PADA BANK BUKU IV DI INDONESIA STUDI KASUS SEBELUM DAN SELAMA PANDEMI COVID-19. Undergraduate thesis, Sriwijaya University.

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Abstract

Banks in carrying out their functions will of course really need funds so that the more funds in a bank, the easier it will be for the bank to carry out its activities in achieving its goals. The role of banking in a financial institution is certainly never free from credit problems. Especially since the COVID-19 pandemic entered Indonesia in March 2020, many banking institutions in Indonesia have had problems in the credit sector or commonly referred to as bad loans. In this study, secondary data is used in the form of time series for the period January 2019-September 2021. The analytical method used is the Error Correction Model (ECM) regression analysis technique. The results of this study indicate that the Loan to Deposit Ratio and BI Rate in the short and long term have a significant negative effect on Non Performing Loans then Dummy COVID in the short and long term have a significant positive effect on Non Performing Loans. Meanwhile, Net Interest Margin in the short term has no significant positive effect, but in the long term, Net Interest Margin has a significant positive effect on Non-Performing Loans.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	COVID-19, Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), BI Rate, Non Performing Loan (NPL)
Subjects:	H Social Sciences > HB Economic Theory > HB3711-3840 Business cycles. Economic fluctuations H Social Sciences > HD Industries. Land use. Labor > HD72-88 Economic growth, development, planning
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	MUHAMMAD NUR HAKIM
Date Deposited:	26 Jul 2022 02:11
Last Modified:	26 Jul 2022 02:11
URI:	http://repository.unsri.ac.id/id/eprint/74572

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