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All Journal International Research Journal of Business Studies (E-Journal)
Syelma Sumanto
PT Mandiri Sekuritas
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Loan-to-Value Policy and Property Loans Risk in Conventional Commercial Banks of Indonesia Nugroho Sasikirono; Syelma Sumanto; I Made Sudana; Harlina Meidiaswati
INTERNATIONAL RESEARCH JOURNAL OF BUSINESS STUDIES Vol 12, No 3 (2019): December 2019 - March 2020
Publisher : Universitas Prasetiya Mulya

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Abstract

This study aims to determine the effect of loan-to-value (LTV) policy on bank's property loan risk. This study utilizes a purposive sampling method and multiple linear regression analysis techniques. The number of samples in this study is 66 banks with 563 observations data. The results show that bank's property loan risk, which is proxied by the NPL ratio of property loans, is lower in the LTV tightening policy period than the easing period. We utilize some control variables in this study: inflation, gross domestic product growth, property loan growth, and bank size. Inflation, property loan growth, and bank size have a significant positive effect on non-performing loans, while gross domestic product growth has a significant negative effect.Keywords:Loan-to-value policy, bank risk, property loan risks, non-performing loans, Indonesia.* Faculty of Economics and Business, Universitas Airlangga, **PT Mandiri Sekuritas *** Faculty of Economics, Kartini University https://doi.org/10.21632/irjbs.12.3.267-276
Co-Authors Harlina Meidiaswati Sasikirono, Nugroho Sudana, I Made