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Oyong Lisa
Universitas Gajayana Malang
Religion Arts Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Do Macroeconomics and Bank-Specific Factors Influence Non-Performing Loans? Putri Setia Mardiani; Umi Muawanah; Oyong Lisa
Jurnal Informatika Ekonomi Bisnis Vol. 8, No. 3 (September 2026)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v8i3.1496

Abstract

This study aims to analyze the effects of inflation, Gross Domestic Product, Loan to Deposit Ratio, and bank size on the NPLs of Conventional Rural Banks in Central Java, both individually and simultaneously. This research employed a quantitative approach with a descriptive research design. The sample consisted of 69 Conventional BPRs in Central Java selected through purposive sampling. Secondary data were collected from BPR published financial reports, the Financial Services Authority, Statistics Indonesia, and the official websites of the respective BPRs. Panel data regression analysis was conducted using E-Views 13, preceded by classical assumption tests, including normality, heteroscedasticity, multicollinearity, and autocorrelation tests. The results indicate that inflation, LDR, and bank size have negative but statistically insignificant effects on NPLs, while GDP has a positive and statistically significant effect on NPLs. These findings suggest that during the observation period Q4, stable inflation, liquidity management, and bank size were not the primary determinants of changes in NPLs. In contrast, higher GDP was associated with an increase in NPLs, indicating that stronger economic growth may have encouraged more aggressive lending activities, thereby increasing credit risk. Simultaneously, inflation, GDP, LDR, and bank size were found to have a significant effect on NPLs in Conventional Rural Banks in Central Java.
Apakah Faktor Makroekonomi dan Faktor Spesifik Bank Berpengaruh terhadap Non-Performing Loan (NPL)? Putri Setia Mardiani; Umi Muawanah; Oyong Lisa
Commodities, Journal of Economic and Business Vol. 7 No. 2 (2026): October 2026
Publisher : FKDP (Forum Komunikasi Dosen Peneliti)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/commo.v7i2.1446

Abstract

Non-Performing Loans (NPLs) represent one of the primary indicators of credit risk affecting the financial soundness of banking institutions. High NPL levels can reduce profitability, threaten banking stability, and hinder economic growth. This study aims to analyze the effects of inflation, Gross Domestic Product (GDP), Loan to Deposit Ratio (LDR), and bank size on the NPLs of Conventional Rural Banks (Bank Perekonomian Rakyat) in Central Java, both individually and simultaneously. This research employed a quantitative approach with a descriptive research design. The sample consisted of 69 Conventional BPRs in Central Java selected through purposive sampling. Secondary data were collected from BPR published financial reports, the Financial Services Authority (OJK), Statistics Indonesia (BPS), and the official websites of the respective BPRs. Panel data regression analysis was conducted using E-Views 13, preceded by classical assumption tests, including normality, heteroscedasticity, multicollinearity, and autocorrelation tests. The results indicate that inflation, LDR, and bank size have negative but statistically insignificant effects on NPLs, while GDP has a positive and statistically significant effect on NPLs. These findings suggest that during the observation period (Q4 2024–Q2 2025), stable inflation, liquidity management, and bank size were not the primary determinants of changes in NPLs. In contrast, higher GDP was associated with an increase in NPLs, indicating that stronger economic growth may have encouraged more aggressive lending activities, thereby increasing credit risk. Simultaneously, inflation, GDP, LDR, and bank size were found to have a significant effect on NPLs in Conventional Rural Banks in Central Java.
Co-Authors Abdul Halim Achmad Dahlan Ahmad Dahlan Ahmad Dahlan Ahmad Jainuri Alex Ari Gustopo Anggraini, Veni Ashari, Muhammad Hasyim Awin Rahma Zulvia Badar Ilahi Bagus Salam Azizi Bambang Haryadi Bambang Haryadi Bambang Hermanto Bambang Hermanto Dewi Ernawati Djuni Farhan Dwi Orbaningsih Erik Nugraha Gunadi Gunadi Haryadi, Bambang Heriyadi Heriyadi Humaidi Humaidi Imanita Septian Rusdianti Indrasmono, Malikoes Arisnadi Jauhari Jauhari Kelana, Tomas Aldi Lucky Nugroho M. Wimbo Wiyono Marisa Juwitasari Muhammad Hasyim Ashari Muhammad Hasyim Ashari Prasojo Ashar Nur Darmawan Priyo Budi Prakoso Putri Setia Mardiani Putri Setia Mardiani Qurrotul Aini Ratnaningsih Ratnaningsih Riza Bahtiar Sulistyan Roni Hertato Ronny Hendra Hertanto Rosidi Satria Budi Wicaksono Setiyo Hadi Santoso Sihwahjoeni Sihwahjoeni Sihwahjoeni, Sihwahjoeni Sihwahjoeni, Sihwahjoeni Sriyono Suati - Rakhmawati Sugeng Mulyono Supardi Suwartono Timea Gal TITIS SRIMURNI Umi Muawanah Umi Muawanah Wahidahwati Wahidahwati Wicaksono, Satria Budi Wiwin Alief Bachtiar Zahro, Mar’atus