Pengaruh Faktor Internal dan Makroekonomi Terhadap Risiko Kredit Pada Bank BUSN Devisa Periode 2012-2016
Abstract: Bank holdsan
important role in financial sector of a country. It is because bank is an
institution which function as intermediation. This research is aimed to find
out the influence of Return on Assets (ROA), Net Interest Margins (NIM), Loan
to Deposit Ratio (LDR), Capital Aduquacy Ratio (CAR), Inflation, Exchange Rate,
and Gross Domestic Product to credit risk (GDP). Credit risk is proxied using
NPL. This research uses quantitative approach and secondary data which taken
from Financial Report published on official website of each bank. The
population used in this research is BUSN bank Devisa which enlist on OJK with
the total of 51 banks. The sample in this research amounted to 36 banks which
obtained based on purposive sampling method. The analysis method uses is
multiple linear regression. The result shows that ROA, NIM, CAR, and Exchange
Rate are affecting credit risk. Meanwhile, LDR, Inflation, and GDP have no
effect on credit risk. LDR does not affect credit risk because the amount of
credit will not increase the risk of non performing loans because banks are
more selective in observing prospective borrowers before giving credit.
Inflation does not affect credit risk because inflation is still categorized
low so it does not affect the NPL. GDP has no effect on credit risk because the
increase in NPL is not caused by the level of GDP but is caused by other
factors
Keywords: Internal Factors,
External Factors,Credit Risk
Penulis: NENIA AMELIA ALFIN,
ULIL HARTONO
Kode Jurnal: jpmanajemendd180485
