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The research objective is to examine the effect of growth in gross domestic product, interest rates, currency exchange rates, exports, credit growth, inflation, asset returns, operating costs to operating income and the ratio of capital adequacy to non-performing loans at national private commercial banks in Indonesia. The population used in this study is banking companies listed on the Indonesia Stock Exchange. Data analysis techniques using Multivariate adaptive regression spline (MARS). The results of the study inform that there is an influence between the predictor variables and the response variables on the basis of functions in the model. The variables that affect bad credit are the variables that affect NPLs are credit growth, exchange rates, export growth, CAR, ROA, BOPO and interest rates, while GDP growth and inflation in this study do not affect NPLs in conventional banks in the private bank group national. The MARS model has informed that the most influential variable on non-performing loans is credit growth. Banking authorities need to control lending through the application of credit risk management and regulating the quality of credit loans to be the contribution of the results in this study.

What Most Influence on Non-Performing Loan in Indonesia? Bank Accounting Perspective with Mars Analysis