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All Journal JIET (Jurnal Ilmu Ekonomi Terapan)
Fajariyanto, Muhammad Bagja
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The Effect of Institutional Quality and Macroeconomics Variables on Non-Performing Loans in Developing Countries Fajariyanto, Muhammad Bagja; Wasiaturrahma, Wasiaturrahma
Jurnal Ilmu Ekonomi Terapan Vol. 9 No. 2 (2024)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v9i2.57678

Abstract

This study intends to examine how institutional quality and macroeconomic factors affect non-performing loans within developing countries in 2010–2019. The estimation results employing the Generalized Method of Moment (GMM) method reveal that the institutional quality variable with a proxy for the government effectiveness index and regulatory quality index has a significant effect with a negative coefficient on the non-performing loans ratio (NPL). Moreover, macroeconomic variables such as inflation, unemployment, and real interest rates significantly affect NPL. In contrast, economic growth has a significant negative effect on NPL. Policymakers should focus on creating effective regulations to reduce NPLs. The government can make clear, consistent, and transparent regulations to promote a strong and competitive private sector.
Co-Authors Wasiaturrahma, Wasiaturrahma