TY  - GEN
CY  - UNIVERSITAS LAMPUNG
ID  - eprints66804
UR  - http://digilib.unila.ac.id/66804/
A1  - Roni Santoso, 1711021095
Y1  - 2022/06/30/
N2  -  
ABSTRACT
 
ANALISIS PENGARUH GIRO WAJIB MINIMUM LOAN DEPOSIT
RATIO, BANK CAPITAL BUFFER, GDP, SUKU BUNGA KREDIT DAN 
PERTUMBUHAN KREDIT TERHADAP NON PERFORMING LOAN
BANK UMUM KONVENSIONAL DI INDONESIA 

By
 
RONI SANTOSO 
 
This study aims to analyze and determine the effect of the Statutory Reserves Loan
Deposit Ratio, Bank Capital Buffer, Gross Domestic Product, Credit Growth and
Loan Interest Rates on Non-Performing Loans for Conventional Commercial
Banks in Indonesia. The independent variables in this study are the Statutory
Reserves Loan Deposit Ratio, Bank Capital Buffer, Credit Growth and Loan
Interest Rates from seven Conventional Commercial Banks during Quarter 1 2012
to Quarter 4 2020. The method used in this study is Panel Least Square (PLS).
with the Fixed Effect Model (FEM) using Eviews 10 as an analysis tool. The
results of the analysis carried out show that the five independent variables have a
significant and significant effect on the dependent variable. With a 95%
confidence level and significant results, the variables of Bank Capital Buffer,
Gross Domestic Product and Interest Rates have a positive and significant effect,
while the variables of Statutory Reserves Loan Deposit Ratio and Credit Growth
have a negative and significant effect on Non-Performing Loans for Conventional
Commercial Banks in Indonesia. . From the results of this study, appropriate steps
can be taken for policy makers to achieve a sustainable financial system and issue
programs or policies that can support increased financial stability.

Keywords: Non-Performing loans, Statutory Reserves Loan Deposit Ratio, Gross
Domestic Product, Credit Growth, Interest Rates, Panel Data. 

 
 
ABSTRAK
 
ANALISIS PENGARUH GIRO WAJIB MINIMUM LOAN DEPOSIT
RATIO, BANK CAPITAL BUFFER, GDP, SUKU BUNGA KREDIT DAN 
PERTUMBUHAN KREDIT TERHADAP NON PERFORMING LOAN
BANK UMUM KONVENSIONAL DI INDONESIA 

OLEH 

RONI SANTOSO 

Penelitian ini bertujuan untuk menganalisis dan mengetahui pengaruh Giro Wajib
Minimum Loan Deposit Ratio, Bank Capital Buffer, Gross Domestic Product,
Pertumbuhan Kredit dan Suku Bunga Kredit terhadap Non Performing Loan Bank
Umum Konvensional di Indonesia. Variabel bebas dalam penelitian ini adalah
Giro Wajib Minimum Loan Deposit Ratio, Bank Capital Buffer, Pertumbuhan
Kredit dan Suku Bunga Kredit dari tujuh Bank Umum Konvensional selama
Quartal 1 2012 hingga Quartal 4 2020. Metode yang digunakan dalam penelitian
ini adalah Panel Least Square (PLS) dengan Fixed Effect Model (FEM) dengan
menggunakan Eviews 10 sebagai alat analisisnya. Hasil analisis yang dilakukan
menunjukkan bahwa kelima variabel independen berpengaruh dan signifkan
terhadap variabel dependen. Dengan tingkat kepercayaan 95% dan hasil yang
signifikan, variabel Bank Capital Buffer, Gross Domestic Product dan Suku
Bunga berpengaruh positif dan signifikan, sedangkan variabel Giro Wajib
Minimum Loan Deposit Ratio dan Pertumbuhan Kredit berpengaruh  negatif dan
signifikan terhadap Non Performing Loan Bank Umum Konvensional di
Indonesia. Dari hasil studi ini, dapat diambil langkah yang tepat bagi pengambil
kebijakan untuk mencapai sistem keuangan yang berkelanjutan dan mengeluarkan
program atau kebijakan yang dapat mendukung peningkatan stabilitas keuangan.

Kata Kunci: Non Performing loan, Giro Wajib Minimum Loan Deposit Ratio,
Gross Domestic Product, Pertumbuhan Kredit, Suku Bunga, Data Panel.
PB  - FAKULTAS EKONOMI DAN BISNIS 
TI  - ANALISIS PENGARUH GIRO WAJIB MINIMUM LOAN DEPOSIT
RATIO, BANK CAPITAL BUFFER, GDP, SUKU BUNGA KREDIT DAN 
PERTUMBUHAN KREDIT TERHADAP NON PERFORMING LOAN
BANK UMUM KONVENSIONAL DI INDONESIA 
AV  - restricted
ER  -