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ANALISIS PENGARUH KEBIJAKAN LTV, SUKU BUNGA ACUAN, GDP DAN PERTUMBUHAN KREDIT BANK TERHADAP NON PERFORMING LOAN (NPL) BANK UMUM KONVENSIONAL DI INDONESIA

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Penilaian

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This research was conducted with the aim of analyzing the influence of LTV policies, interest rates, GDP and credit growth on Non-Performing Loans of conventional commercial banks in Indonesia. The method used in this research is panel data regression estimation with the best model results, namely REM (Random Effect Model) with a research period from 2014 - 2023 with research objects of 46 conventional commercial banks in Indonesia. The results of this research show that the interest rate variables BIrate, Gross Domestic Product (GDP) and credit growth (PK) have a significant negative influence on Non-Performing Loans (NPL). Meanwhile, the LTV policy does not have a significant effect on the NPL of conventional commercial banks in Indonesia. The implications of these results indicate the need for appropriate optimization of monetary policy and active monitoring of economic conditions to maintain financial system stability as well as reviewing LTV policies as an effort to ensure that existing regulations are effective in controlling banking credit risk Keywords: LTV, BIRATE, Credit Growth, NPL, Credit risk

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Availability

Inventory Code	Barcode	Call Number	Location	Status
2507000449	T165222	T1652222025	Central Library (Reference)	Available but not for loan - Not for Loan

Detail Information

Series Title

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Call Number

T1652222025

Publisher

Indralaya : Prodi Ekonomi Pembangunan, Fakultas Ekonomi., 2025

Collation

xxii, 378 hlm., ilus., tab.; 29 cm

Language

Indonesia

ISBN/ISSN

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Classification

330.07

Content Type

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Media Type

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Carrier Type

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Edition

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Subject(s)

Ilmu Ekonomi

Specific Detail Info

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Statement of Responsibility

EM

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