FACTORS AFFECTING NON-PERFORMING LOANS IN STATE-OWNED BANKING

Cundo Harimurti, Pandoyo Pandoyo, Mohammad Sofyan

Abstract

This research aims to analyze the influence of macroeconomic factors projected by inflation and bank-specific factors used, namely Return on Asset, Equity to Asset Ratio, and Bank Size on Non-Performing Loan of State-Owned Banking for the period 2017-2021. This type of research is a causal associative study because it was conducted to determine the effect of Return on Assets, Equity to Asset Ratio, Inflation, and Bank Size on Non-performing State-owned banking Loans for the period 2017-2021. This research data analysis method uses data panel analysis as a data processing tool using EViews version 10. Return on Assets has a significant negative effect on Non-Performing Loans. Equity to Asset Ratio and bank size have a significant positive effect on Non-Performing Loans. Whereas inflation has a positive effect on Non-Performing Loans

Full Text:

PDF

References

Abid, L., Ouertani, M. N., & Zouari-Ghorbel, S. (2014). Macroeconomic and bank-specific determinants of household's non-performing loans in Tunisia: A dynamic panel data. Procedia Economics and Finance, 13, 58-68. doi:10.1016/S2212-5671(14)00430-4

Ajija, S. R., Sari, D. W., Setianto, R. H., & Primanti, M. R. (2011). Cara Cerdas Menguasai Eviews. Jakarta: Salemba Empat.

Bank Indonesia. (2022, Februari 15). Inflasi. Retrieved from www.bi.go.id: https://www.bi.go.id/id/fungsi-utama/moneter/inflasi/default.aspx

Barus, A. C., & Erick. (2016). Analisis Faktor-Faktor yang Mempengaruhi non performing loan pada bank Umum di Indonesia. Jurnal Wira Ekonomi Mikroskil: JWEM, 6(2), 113-122. Retrieved from https://www.mikroskil.ac.id/ejurnal/index.php/jwem/article/view/325/201

Dao, L. K., Nyuyen, T. Y., Hussain, S., & Nyuyen, V. C. (2020). Factors affecting non-performing loans of commercial banks: The role of bank performance and credit growth. Banks and Bank Systems, 15(3), 44-54. doi:10.21511/bbs.15(3).2020.05

Dendawijaya, L. (2015). Manajemen Perbankan. Jakarta: Ghalia Indonesia.

Faruq, K. (2021, September 7). Himbara: Perbankan Perlu Perkuat Cadangan Dengan Naikkan NPL dan LaR Coverage. Retrieved from https://ivoox.id: https://ivoox.id/himbara-perbankan-perlu-perkuat-cadangan-dengan-naikkan-npl-dan-lar-coverage?tag_from=bank-himbara

Ghosh, A. (2015). Banking-industry specific and regional economic determinants of non-performing loans: Evidence from US states. Journal of financial stability, 20, 93-104. doi:10.1016/j.jfs.2015.08.004

Hue, N. T. (2015). Non-Performing Loans: Affecting Factor for the Sustainability of Vietnam Commercial Banks. Journal of Economics and Development, 17(1), 93-106. doi:10.33301/2015.17.01.06

Kasmir. (2013). Bank dan Lembaga Keuangan Lainnya. Jakarta: PT Raja Grafindo Persada.

Kevin, A. (2020, January 14). Fitch Sebut Outlook Perbankan Indonesia Negatif, Ini Sebabnya. Retrieved from www.cnbcindonesia.com: https://www.cnbcindonesia.com/market/20200114171038-17-129982/fitch-sebut-outlook-perbankan-indonesia-negatif-ini-sebabnya

Laksono, J. D., & Setyawan, I. R. (2019). Faktor Penentu Non-Performing Loan Pada Bank Umum Konvensional Di Indonesia. Jurnal Manajerial Dan Kewirausahaan, 1(3), 506-514. doi:10.24912/jmk.v1i3.5362

Linda, M. R., Megawati, & Deflinawati. (2015). Pengaruh Inflasi, Kurs Dan Tingkat Suku Bunga Terhadap Non Performing Loan Pada PT. Bank Tabungan Negara (Persero) Tbk Cabang Padang. Journal of Economic and Economic Education, 3(2), 137-145. doi:10.22202/economica.2015.v3.i2.251

Makri, V., Tsagkanos, A., & Bellas, A. (2014). Determinants of non-performing loans: The case of Eurozone. Panoeconomicus, 61(2), 193-206. doi:10.2298/PAN1402193M

Mamatzakis, E. C., & Remoundos, P. C. (2003). Determinants of Greek commercial banks profitability, 1989-2000. Spoudai, 53(1), 84-94. Retrieved from https://spoudai.unipi.gr/index.php/spoudai/article/download/1174/1253

Messai, A. S., & Jouini, F. (2013). Micro and Macro Determinants of Non-Performing Loans. International Journal of Economics and Financial Issues, 3(4), 852-860. Retrieved from https://www.econjournals.com/index.php/ijefi/article/view/517/pdf

Mudrajat, K., & Suhardjono. (2002). Manajemen Perbankan: Teori dan Aplikasi (1st ed.). Yoyakarta: BPFE.

Munawir, S. (2014). Analisis Laporan Keuangan. Yogyakarta: Liberty.

Prawira, R., & Wiryono, S. K. (2020). Determinants of non-performing loans in state-owned banks. Jurnal Akuntansi dan Auditing Indonesia, 24(2), 159-166. doi:10.20885/jaai.vol24.iss2.art9

Rajan, R., & Dhal, S. C. (2003). Non-performing Loans and Terms of Credit of Public Sector Banks in India: An Empirical Assessment. Reserve Bank of India Occasional Papers, 24(3), 81-121. Retrieved from https://rbidocs.rbi.org.in/rdocs/Publications/PDFs/60613.pdf

Winarno, W. W. (2015). Analisis Ekonometrika dan Sttatistika dengan. Eviews. Yogyakarta: UPP STIM YKPN.

Wood, A., & Skinner, N. (2018). Determinants of non-performing loans: evidence from commercial banks in Barbados. 7th International Conference on Business and Economic Development (ICBED),, 9, pp. 44-64. New York. Retrieved from https://cberuk.com/cdn/conference_proceedings/2019-07-14-09-20-44-AM.pdf

Refbacks

  • There are currently no refbacks.