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All Journal KEUNIS Jurnal Teknik Industri Terintegrasi (JUTIN) Sricommerce: Journal of Sriwijaya Community Services Indonesian Journal of Community Engagement Optimum: Jurnal Ekonomi dan Pembangunan Jurnal Manajemen dan Bisnis (J-Mabis) Outline Journal of Community Development
Melliny, Vinny Dwi
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Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences

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Journal : KEUNIS

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THE MACRO-PRUDENTIAL POLICY AND BANK NON-PERFORMING ASSETS IN INDONESIA Gustriani, Gustriani; Suhel, Suhel; Melliny, Vinny Dwi; Pertiwi, Rasyida; Nida, Rahma
KEUNIS Vol. 11 No. 1 (2023): JANUARY 2023
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v11i1.3655

Abstract

This study examines the effect of the Macro-prudential Intermediation Ratio (MIR) as an instrument of Bank Indonesia's macro-prudential regulation on Non-Performing Assets (NPA) as one of the banking industry performance indicators in Indonesia. In addition, this study also examines several other independent variables such as bank assets as an indicator of bank size, Bank Indonesia interest rates (BI rate), and inflation as macroeconomic indicators and their effect on NPA. The NPA, MIR, and bank asset data used in this study consist of 109 commercial banks operating in Indonesia during the period from January 2015 to December 2020. This study uses an Ordinary Least Square (OLS) analysis approach by undertaking classical assumption tests and statistical tests. The results show that (1) MIR, bank assets, BI rate, and inflation simultaneously have a significant effect on NPA (2) Partially, bank assets have a negative and significant effect on NPA while other variables including macro-prudential policy have no significant effect on NPA (3) Variable MIR, bank assets, BI rate, and inflation can explain variations of NPA variable by 34% (4) Larger bank size encourages prudent financing and reduces NPA.
Co-Authors Agil Novriansa Aini, Halia Butra Akbar, Reza Aulia Darmawahyuni, Annisa Fera Widyanata Gustriani Gustriani, Gustriani Marisa, Feny Mu'izzudin, Mu'izzudin Muthia, Fida Nida, Rahma Pertiwi, Rasyida Purwanti, Yuniasih Puspita, Dwi Darma Rika Henda Safitri Suhel Suhel Suhel Syathiri, Ahmad Welly Nailis, Welly Yuniarti, Emylia Zainal, Imelda