Mal Isnaini Sri Mey Yanti
Bank Indonesia Jl. MH. Thamrin No.2 Jakarta, Indonesia, 10350.

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RISIKO NPL KREDIT BANK PEMBANGUNAN DAERAH SEBAGAI REGIONAL CHAMPION Rofikoh Rokhim; Mal Isnaini Sri Mey Yanti
Jurnal Keuangan dan Perbankan Vol 18, No 1 (2014): January 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.133 KB) | DOI: 10.26905/jkdp.v18i1.783

Abstract

The focus of this research was to identify the impact of BPD Regional Champion Program to each bank’s NPL. This research used a panel data analysis for the observation period of 2008 – 2011. The selected random effects model identified the determinant of NPL from bank specific variables and external factors. The Model was then simulated by the indicative targets of minimum loan growth of 20% and minimum portion of productive loan of 40%. This research revealed that the Program might cause higher estimated NPL for 12 banks while for the other 13 banks the estimated NPL would be lower than the real NPL.