PENGARUH FAKTOR SPESIFIK BANK DAN MAKRO EKONOMI TERHADAP RISIKO KREDIT PERBANKAN DI INDONESIA

sparta, sparta (2015) PENGARUH FAKTOR SPESIFIK BANK DAN MAKRO EKONOMI TERHADAP RISIKO KREDIT PERBANKAN DI INDONESIA. Jurnal Ekonomi, Manajemen dan Perbankan,:, 1 (3). pp. 12-136. ISSN 2460-8114

Text 29-pengaruh faktor pesifk bank dan makro ekonomi erhadap risiko kredit perbankan indo.pdf - Published Version Download (501kB)

Abstract

Abstract: This research goals are to examine the effect of the bank specific and macroeconomic variabele to the level of risk in Indonesia. The sample are 107 conventional banks in Indonesia and the number of observation in 1177 during the period 2001 to 2011. Bank risk measurement uses the ratio of non-performing loans. The dependent variable used is non-performing loans. The independent variables are capital adequacy, asset growth, the percentage of foreign ownership, the percentage of government ownership, the percentage of public ownership, GDP growth and the bank loan growth. This study provides empirical evidence banks risk are positively significant influenced by the bank risk last year and negatively significant influenced by GDP growth. Other indepent variabel as capital adequacy, asset growth, the percentage of foreign ownership, the percentage of government ownership, the percentage of public ownership, and the bank loan growth not influenced to bank credit risk in Indonesian. Empirical results of this study have implications for practitioners banks, institutions banking authorities or the FSA and the development of the theory of risk associated with specific bank factors and macro economic factors that influence banking credit risk as the results of this study. Keywords: Banking credit risk, Specific bank factors, macro economic factors, nonperforming loans and gross domestic bruto.

Item Type:	Article
Subjects:	H Social Sciences > H Social Sciences (General) H Social Sciences > HB Economic Theory H Social Sciences > HF Commerce H Social Sciences > HF Commerce > HF5601 Accounting H Social Sciences > HG Finance H Social Sciences > HJ Public Finance
Divisions:	Prodi S1 Akuntansi
Depositing User:	Sparta Sparta
Date Deposited:	18 Oct 2020 10:48
Last Modified:	25 Nov 2022 09:14
URI:	http://repository.ibs.ac.id/id/eprint/963

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