?url_ver=Z39.88-2004&rft_id=1711021095&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=ANALISIS+PENGARUH+GIRO+WAJIB+MINIMUM+LOAN+DEPOSIT%0D%0ARATIO%2C+BANK+CAPITAL+BUFFER%2C+GDP%2C+SUKU+BUNGA+KREDIT+DAN+%0D%0APERTUMBUHAN+KREDIT+TERHADAP+NON+PERFORMING+LOAN%0D%0ABANK+UMUM+KONVENSIONAL+DI+INDONESIA+&rft.creator=Roni+Santoso%2C+1711021095&rft.subject=332+Ekonomi+keuangan&rft.subject=334+Koperasi%2C+sistem+perkoperasian&rft.subject=336+Keuangan+publik&rft.description=+%0D%0AABSTRACT%0D%0A+%0D%0AANALISIS+PENGARUH+GIRO+WAJIB+MINIMUM+LOAN+DEPOSIT%0D%0ARATIO%2C+BANK+CAPITAL+BUFFER%2C+GDP%2C+SUKU+BUNGA+KREDIT+DAN+%0D%0APERTUMBUHAN+KREDIT+TERHADAP+NON+PERFORMING+LOAN%0D%0ABANK+UMUM+KONVENSIONAL+DI+INDONESIA+%0D%0A%0D%0ABy%0D%0A+%0D%0ARONI+SANTOSO+%0D%0A+%0D%0AThis+study+aims+to+analyze+and+determine+the+effect+of+the+Statutory+Reserves+Loan%0D%0ADeposit+Ratio%2C+Bank+Capital+Buffer%2C+Gross+Domestic+Product%2C+Credit+Growth+and%0D%0ALoan+Interest+Rates+on+Non-Performing+Loans+for+Conventional+Commercial%0D%0ABanks+in+Indonesia.+The+independent+variables+in+this+study+are+the+Statutory%0D%0AReserves+Loan+Deposit+Ratio%2C+Bank+Capital+Buffer%2C+Credit+Growth+and+Loan%0D%0AInterest+Rates+from+seven+Conventional+Commercial+Banks+during+Quarter+1+2012%0D%0Ato+Quarter+4+2020.+The+method+used+in+this+study+is+Panel+Least+Square+(PLS).%0D%0Awith+the+Fixed+Effect+Model+(FEM)+using+Eviews+10+as+an+analysis+tool.+The%0D%0Aresults+of+the+analysis+carried+out+show+that+the+five+independent+variables+have+a%0D%0Asignificant+and+significant+effect+on+the+dependent+variable.+With+a+95%25%0D%0Aconfidence+level+and+significant+results%2C+the+variables+of+Bank+Capital+Buffer%2C%0D%0AGross+Domestic+Product+and+Interest+Rates+have+a+positive+and+significant+effect%2C%0D%0Awhile+the+variables+of+Statutory+Reserves+Loan+Deposit+Ratio+and+Credit+Growth%0D%0Ahave+a+negative+and+significant+effect+on+Non-Performing+Loans+for+Conventional%0D%0ACommercial+Banks+in+Indonesia.+.+From+the+results+of+this+study%2C+appropriate+steps%0D%0Acan+be+taken+for+policy+makers+to+achieve+a+sustainable+financial+system+and+issue%0D%0Aprograms+or+policies+that+can+support+increased+financial+stability.%0D%0A%0D%0AKeywords%3A+Non-Performing+loans%2C+Statutory+Reserves+Loan+Deposit+Ratio%2C+Gross%0D%0ADomestic+Product%2C+Credit+Growth%2C+Interest+Rates%2C+Panel+Data.+%0D%0A%0D%0A+%0D%0A+%0D%0AABSTRAK%0D%0A+%0D%0AANALISIS+PENGARUH+GIRO+WAJIB+MINIMUM+LOAN+DEPOSIT%0D%0ARATIO%2C+BANK+CAPITAL+BUFFER%2C+GDP%2C+SUKU+BUNGA+KREDIT+DAN+%0D%0APERTUMBUHAN+KREDIT+TERHADAP+NON+PERFORMING+LOAN%0D%0ABANK+UMUM+KONVENSIONAL+DI+INDONESIA+%0D%0A%0D%0AOLEH+%0D%0A%0D%0ARONI+SANTOSO+%0D%0A%0D%0APenelitian+ini+bertujuan+untuk+menganalisis+dan+mengetahui+pengaruh+Giro+Wajib%0D%0AMinimum+Loan+Deposit+Ratio%2C+Bank+Capital+Buffer%2C+Gross+Domestic+Product%2C%0D%0APertumbuhan+Kredit+dan+Suku+Bunga+Kredit+terhadap+Non+Performing+Loan+Bank%0D%0AUmum+Konvensional+di+Indonesia.+Variabel+bebas+dalam+penelitian+ini+adalah%0D%0AGiro+Wajib+Minimum+Loan+Deposit+Ratio%2C+Bank+Capital+Buffer%2C+Pertumbuhan%0D%0AKredit+dan+Suku+Bunga+Kredit+dari+tujuh+Bank+Umum+Konvensional+selama%0D%0AQuartal+1+2012+hingga+Quartal+4+2020.+Metode+yang+digunakan+dalam+penelitian%0D%0Aini+adalah+Panel+Least+Square+(PLS)+dengan+Fixed+Effect+Model+(FEM)+dengan%0D%0Amenggunakan+Eviews+10+sebagai+alat+analisisnya.+Hasil+analisis+yang+dilakukan%0D%0Amenunjukkan+bahwa+kelima+variabel+independen+berpengaruh+dan+signifkan%0D%0Aterhadap+variabel+dependen.+Dengan+tingkat+kepercayaan+95%25+dan+hasil+yang%0D%0Asignifikan%2C+variabel+Bank+Capital+Buffer%2C+Gross+Domestic+Product+dan+Suku%0D%0ABunga+berpengaruh+positif+dan+signifikan%2C+sedangkan+variabel+Giro+Wajib%0D%0AMinimum+Loan+Deposit+Ratio+dan+Pertumbuhan+Kredit+berpengaruh++negatif+dan%0D%0Asignifikan+terhadap+Non+Performing+Loan+Bank+Umum+Konvensional+di%0D%0AIndonesia.+Dari+hasil+studi+ini%2C+dapat+diambil+langkah+yang+tepat+bagi+pengambil%0D%0Akebijakan+untuk+mencapai+sistem+keuangan+yang+berkelanjutan+dan+mengeluarkan%0D%0Aprogram+atau+kebijakan+yang+dapat+mendukung+peningkatan+stabilitas+keuangan.%0D%0A%0D%0AKata+Kunci%3A+Non+Performing+loan%2C+Giro+Wajib+Minimum+Loan+Deposit+Ratio%2C%0D%0AGross+Domestic+Product%2C+Pertumbuhan+Kredit%2C+Suku+Bunga%2C+Data+Panel.&rft.publisher=FAKULTAS+EKONOMI+DAN+BISNIS+&rft.date=2022-06-30&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F66804%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F66804%2F2%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F66804%2F3%2FSKRIPSI%2520FULL%2520TANPA%2520BAB%2520PEMBAHASAN.pdf&rft.identifier=++Roni+Santoso%2C+1711021095++(2022)+ANALISIS+PENGARUH+GIRO+WAJIB+MINIMUM+LOAN+DEPOSIT+RATIO%2C+BANK+CAPITAL+BUFFER%2C+GDP%2C+SUKU+BUNGA+KREDIT+DAN+PERTUMBUHAN+KREDIT+TERHADAP+NON+PERFORMING+LOAN+BANK+UMUM+KONVENSIONAL+DI+INDONESIA.++FAKULTAS+EKONOMI+DAN+BISNIS+%2C+UNIVER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