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All Journal JURNAL SeMaRaK DEDIKASI PKM Journal Economics Technology and Entrepreneur JURNAL RUMPUN MANAJEMEN DAN EKONOMI Jurnal Intelek Dan Cendikiawan Nusantara Proceeding of The International Conference on Management, Entrepreneurship, and Business Aktivitas Jurnal Ilmiah Akuntansi
Anum Nuryani
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Agriculture, Biological Sciences & Forestry Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Mathematics Social Sciences Other

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Journal : journal economics technology and entrepreneur

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PENGARUH INFLASI, PRODUK DOMESTIK BRUTO, SUKU BUNGA DAN KURS USD TERHADAP KREDIT BERMASALAH PADA PT ADIRA DINAMIKA MULTIFINANCE TBK PERIODE 2015-2024 Azhari, Azhari; Anum Nuryani
Journal Economics Technology And Entrepreneur Vol 5 No 01 (2026): ECOTECHNOPRENEUR : JOURNAL ECONOMICS, TECHNOLOGY AND ENTREPRENEUR
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/ecotechnopreneur.v5i01.2250

Abstract

This study examines the impact of non-performing loans at PT Adira Dinamika Multifinance Tbk as influenced by inflation, GDP, interest rates, and the USD exchange rate during the 2015–2024 period. This quantitative research employs descriptive statistics, multiple linear regression, classical assumption tests, hypothesis testing, and the coefficient of determination (R²). The empirical results show that non-performing loans are significantly affected by inflation, as indicated by t-value = -3.917 < 2.57058 and a significance value of 0.011 < 0.05. However, there is no significant partial effect of GDP (t-value = -0.384 < 2.57058; sig. 0.717 > 0.05), interest rates (t-value = -0.350 < 2.57058; sig. 0.741 > 0.05), or the USD exchange rate (t-value = -2.500 < 2.57058; sig. 0.054 > 0.05). Nevertheless, collectively these variables have a significant effect on non-performing loans, with F-value = 7.965 > F-table = 4.74 and a significance level of 0.021 < 0.05. These findings highlight the importance of macroeconomic stability in maintaining financial quality.
Co-Authors Aan Purnama Aan Purnama Addara Caesary Ayuning Rachman Andika Prasetya Anggun Anggraini Aris Ariyanto Ary Nur Rohmah Azhari Azhari Dodi Persada Imbron Imbron Nurazizah, Desty Saipul Bahri