Internal Factors Affecting the NPL of State-Owned Commercial Banks
DOI:
https://doi.org/10.52728/ijjm.v4i2.737Keywords:
CAR, LDR, NIM, NPL, OEOI, State-Owned Commercial BanksAbstract
Banking in Indonesia generally relies on loan interest income as the primary income in financing its operations. Not all credit extended is risk-free; some have sizable risks and can threaten the bank’s health. So to measure a bank's ability to overcome failure to take credit from debtors, the NPL ratio can be used. This study aims to analyse the influence of internal factors, namely: CAR, LDR, NIM, and OEOI, on NPLs of State-Owned Commercial Banks during 2015-2022. The research was conducted using a qualitative descriptive method with panel data using the financial statements of Bank BRI, Bank BNI, Bank Mandiri, and Bank BTN during 2015 - 2022. The results of this study indicate that CAR and BOPO have a significant positive effect on NPL, while LDR and NIM have a significant negative effect on NPL.
Downloads
References
Abyanta, N. P., Kepramareni, P., & Ardianti, P. N. H. (2020). Non-Performing Loan Dan Faktor-Faktor Yang Memengaruhi. Kharisma: Kumpulan Riset Akuntansi, 12(1), 1–16. https://e-journal.unmas.ac.id/index.php/kharisma/article/view/517/485
Agić, Z., & Dušanić Gačić, S. (2021). SPECIFIC BANKING DETERMINANTS OF NON-PERFORMING LOANS: THE CASE OF BOSNIA AND HERZEGOVINA. EMC Review - Časopis Za Ekonomiju - APEIRON, 22(2). https://doi.org/10.7251/emc2102546a
Agustiningtyas, M. (2018). Analisis faktor - faktor yang mempengaruhi non performing loan (npl) kredit pada bank umum di Indonesia (studi pada bank umum yang terdaftar di BEI periode 2016-2017). Prive, 1(2), 120–133. http://ejurnal.unim.ac.id/index.php/prive/article/view/247/112
Alshiqi, S., & Sahiti, A. (2021). Risk management and profitability of commercial banks of western balkans countries of kosovo, albania, north macedonia, and serbia. Journal of Eastern European and Central Asian Research, 8(1), 81–88. https://doi.org/10.15549/jeecar.v8i1.633
Anshary, M., Labetubun, H., Kembauw, E., Ningsih, S., Putra, S., Hardiyanti, S. E., Bairizki, A., Mutafarida, B., Arfah, Fitriana, Triwardhani, D., Silaen, N. R., Alimuddin, A., Wicaksono, G., Fauziah, & Rahmawati, I. (2021). Manajemen Perbankan (Sebuah Tinjauan Teori dan Praktis). In Manajemen Perbankan (Sebuah Tinjauan Teori dan Praktis).
Astrini, Km. S., Suwendra, I. W., & Suwarna, I. K. (2018). Pengaruh CAR, LDR dan Bank Size Terhadap NPL pada Lembaga Perbankan yang Terdaftar di Bursa Efek Indonesia. E-Journal Bisma Universitas Pendidikan Ganesha Jurusan Manajemen, 4(1), 34–41. https://doi.org/https://doi.org/10.23887/bjm.v4i1.21977
Barus, A. C., & Erick. (2017). Analisis Faktor-Faktor yang Mempengaruhi Non-Performing Loan pada Bank Umum di Indonesia. Jurnal Wira Ekonomi Mikroskil, 6(2), 113–122. https://doi.org/10.55601/jwem.v6i2.325
Chiu, C.-R., Chiu, Y.-H., Fang, C.-L., & Pang, R. -zhi. (2014). The performance of commercial banks based on a context-dependent range-adjusted measure model. International Transactions in Operational Research, 21(5), 761–775. https://doi.org/10.1111/itor.12069
Cooper, D. R., & Schindler, P. S. (2011). Business research methods (11th ed.). In Business Research Methods.
Ćurak, M., Pepur, S., & Poposki, K. (2013). Determinants of non-performing loans -evidence from Southeastern European banking systems. Banks and Bank Systems, 8(1), 46–53. https://www.businessperspectives.org/index.php/journals/banks-and-bank-systems/issue-179/determinants-of-non-performing-loans-evidence-from-southeastern-european-banking-systems
Dendawijaya, L. (2005). Manajemen Perbankan Edisi Revisi Sembilan. In Ghalia Indonesia.
Diyanti, D., & Widyarti, E. T. (2012). Analisis Pengaruh Faktor Internal dan Eksternal terhadap Terjadinya Non-Performing Loan (Studi Kasus pada Bank Umum Konvensional yang Menyediakan Layanan Kredit Pemilikan Rumah Periode 2008 - 2011). Diponegoro Journal of Management, 1(4), 290–299. https://ejournal3.undip.ac.id/index.php/djom/article/view/821/795
Firmansyah, & Sari Sam, Muh. (2022). Faktor-Faktor Yang Mempengaruhi Non-Performing Loan Pada Bank BUMN di Indonesia Tahun 2010-2019. JURNAL SOSIAL EKONOMI DAN HUMANIORA, 8(2). https://doi.org/10.29303/jseh.v8i2.25
Ismail. (2010). Manajeman Perbankan: Dari Teori Menuju Aplikasi. In Jakarta : Kencana.
Jusmansyah, M., & Sriyanto, A. (2017). Analisis Pengaruh CAR, BOPO dan ROA Terhadap Non-Performance Loan. Jurnal Akuntansi Dan Keuangan, 2(1), 46–65. https://doi.org/http://dx.doi.org/10.36080/jak.v2i1.374
Kasmir. (2014). Bank dan Lembaga Keuangan. Jakarta : Rajawali Pers. In Angewandte Chemie International Edition, 6(11).
Kasmir. (2018). Analisi Laporan Keuangan. Rajawali Pers.
Khan, M. A., Siddique, A., & Sarwar, Z. (2020). Determinants of non-performing loans in the banking sector in developing state. Asian Journal of Accounting Research, 5(1). https://doi.org/10.1108/AJAR-10-2019-0080
Koju, L., Koju, R., & Wang, S. (2018). Macroeconomic and Bank-Specific Determinants of Non-Performing Loans: Evidence from Nepalese Banking System. Journal of Central Banking Theory and Practice, 7(3). https://doi.org/10.2478/jcbtp-2018-0026
Kumar, R. R., Stauvermann, P. J., Patel, A., & Prasad, S. S. (2018). Determinants of non-performing loans in banking sector in small developing island states: A study of Fiji. Accounting Research Journal, 31(2). https://doi.org/10.1108/ARJ-06-2015-0077
Lichtman, M. (2005). Review: Janet Heaton (2004). Reworking Qualitative Data. Forum : Qualitative Social Research, 6(3). https://www.qualitative-research.net/index.php/fqs/article/view/40/83
Mada, R. P., & Arfianto, E. D. (2015). Analisis faktor-faktor yang mempengaruhi non performing loan (NPL) di Indonesia (studi pada bank umum konvensional yang terdaftar di Bank Indonesia tahun 2011-2014). Diponegoro Journal of Management, 4(3), 1–11. https://ejournal3.undip.ac.id/index.php/djom/article/view/13245/12803
Martono. (2009). Bank dan Lembaga Keuangan. Ekonasia Fakultas Ekonomi UII: Yogyakarta, 127.
Maulida, V. I., & Wahyuningsih, D. (2021). DETERMINAN FAKTOR SPESIFIK BANK TERHADAP NON-PERFORMING LOAN GROSS DAN NON-PERFORMING LOAN NET PADA BANK PEMBANGUNAN DAERAH. JABE (Journal of Applied Business and Economic), 8(1), 102–115. https://doi.org/10.30998/jabe.v8i1.6639
Mensah, F. A., & Adjei, A. B. (2015). Determinants of non-performing loans in Ghana banking industry. International Journal of Computational Economics and Econometrics, 5(1), 35. https://doi.org/10.1504/ijcee.2015.066207
Nguyen, D. T., Do, H. T., Thu Nguyen, T. T., & Nguyen, N. B. (2021). Implementation of internal capital adequacy and assessment process in vietnamese commercial banks. Asian Economic and Financial Review, 11(11), 873–893. https://doi.org/10.18488/JOURNAL.AEFR.2021.1111.873.893
OWONYE, B., & OBONOFIEMRO, G. (2022). DETERMINANTS OF NON-PERFORMING LOANS IN THE NIGERIA BANKING INDUSTRY. International Journal of Management & Entrepreneurship Research, 4(11). https://doi.org/10.51594/ijmer.v4i11.402
Putra Gumilar Sambas, I., Azhar Azhar Affandi, H., Purnamasari, L., & Sunarsi, D. (2021). ANALISIS LAPORAN KEUANGAN. In M. Abdullah Rosyid (Ed.), Cipta Media Nusantara (CMN). Cipta Media Nusantara (CMN). https://books.google.co.id/books?hl=id&lr=&id=iRFUEAAAQBAJ&oi=fnd&pg=PR1&dq=buku+analisis+rasio&ots=HVLhBS5uXA&sig=pd5Hijg3kpx8XplyWECw0gL_Lq0&redir_esc=y#v=onepage&q=buku analisis rasio&f=false
Putri, L. T. C., & Pohan, F. S. (2022). FAKTOR-FAKTOR PENENTU NON-PERFORMING LOAN PADA BANK KOMERSIAL DI INDONESIA. Jurnal Bisnis, Manajemen, Dan Teknososiopreneur, 1(1). https://doi.org/10.31326/bimtek.v1i1.1253
Ranjan, R., & Dhal, S. C. (2003). Non-Performing Loans and Terms of Credit of Public Sector Banks in India: An Empirical Assessment. Reserve Bank of India Occasional Papers, 24(3), 81–121.
Sahiti, A., & Sahiti, A. (2021). The commercial banks’ credit risk efficiency: Empirical evidence from Kosovo. Journal of Eastern European and Central Asian Research, 8(2), 240–254. https://doi.org/10.15549/jeecar.v8i2.635
Sekaran, U., & Bougie, R. (2017). Metode Penelitian Bisnis Edisi 6 Buku 2. In Jakarta: Salemba Empat.
Shingjergji, A. (2013). The Impact of Bank-Specific Variables on the Non-Performing Loans Ratio in the Albanian Banking System. Research Journal of Finance and Accounting, 7.
Zuliyana, M., Turi, L. O., Juminawati, S., Prihartini, D. A., Nasution, I. H., Armein, E., Svinarky, I., Herina, H., Silaen, M. F., Butarbutar, N., & Yusran, R. R. (2022). Bank & Lembaga Keuangan Non-Bank. In Eureka Media Aksara.
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution 4.0 International License.
