Pengaruh faktor eksternal dan internal terhadap kredit bermasalah perbankan konvensional di Indonesia
Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh faktor eksternal dan internal terhadap kredit bermasalah perbankan konvensional di Indonesia. Variabel terikat dari kredit bermasalah menggunakan NPL, dan untuk variabel bebasnya dari faktor eksternal menggunakan kurs, inflasi, PDB, sedangkan internalnya menggunakan CAR, LDR, BOPO. Adapun hasilnya adalah variabel eksternal dan internal mampu menjelaskan terhadap NPL sebesar 86,7 persen. Semua variabel eksternal (kurs, inflasi, dan PDB) tidak ada yang berpengaruh terhadap NPL. Untuk variabel internalnya, BOPO berpengaruh positif dan signifikan dan LDR berpengaruh negatif dan signifikan terhadap NPL, tetapi CAR tidak berpengaruh terhadap NPL.
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DOI: https://doi.org/10.30872/jkin.v17i2.7344
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