Open AccessPENGARUH BI-RATE DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP KREDIT BERMASALAH PADA BANK UMUM BUMN
Author(s) -
Nanda Galuh Widiawati,
Muhammad Faisal Abdullah
Publication year - 2020
Publication title -
jurnal ilmu ekonomi
Language(s) - English
Resource type - Journals
eISSN - 2963-9239
pISSN - 2716-4799
DOI - 10.22219/jie.v4i3.12877
Subject(s) - loan , econometrics , variables , business , panel data , actuarial science , financial system , statistics , mathematics , finance
This study aims to analyze the effect of the BI-Rate and Loan To Deposit Ratio (LDR) on Non Performing-Loans (NPL) at state-owned commercial banks. This study uses secondary data sources obtained using the documentation method. The samples in this study were 4 BUMN banks with saturated or census sampling techniques. The period used in this study was 15 years, from 2005 - 2019. The analysis technique used was Panel Data Regression.The results of the study simultaneously and partially show that the independent variable significantly influences the Non Performing Loan (NPL), the BI-Rate Variable has a significant positive effect on the probability amounting to 0.0119, while the Loan To Deposit Ratio (LDR) variable has a significant negative effect on the probability amounting to 0.0000.