ANALISIS PENGARUH INFLASI, SUKU BUNGA, DAN JUMLAH KREDIT YANG DISALURKAN TERHADAP NON PERFORMING LOAN KREDIT MODAL KERJA BANK (Studi kasus sebelum dan sesudah kenaikan harga BBM subsidi tahun 2003-2013) - Alfian Adiwantomo; Agus Suman (Jurnal Ilmiah Mahasiswa FEB, 2013)
This study was conducted to determine the effect of inflation, interest rates, and the amount of outstanding loans to non-performing loans (NPL) working capital loans by banks over a period of 10 years with a case study before and after the increase in fuel price subsidies. This study took a sample group of banks consisting of a group of state banks, regional development banks, private banks, joint venture banks, and foreign banks. The results showed a significant effect of the variable inflation, interest rates, and the amount of outstanding loans with variable non-performing loans. While the opposite occurs in the case of dummy variables before and after the increase in subsidized fuel prices which showed insignificant value of non-performing loans with variable working capital loansof banks Penelitian ini dilakukan untuk mengetahui pengaruh inflasi, suku bunga, dan jumlah kredit yang disalurkan terhadap Non performing loan (NPL) kredit modal kerja bank.selama periode 10 tahun dengan studi kasus sebelum dan sesudah kenaikan harga BBM subsidi. Penelitian ini mengambil sampel kelompok bank yang terdiri dari kelompok bank persero, bank pembangunan daerah, bank swasta, bank campuran, dan bank asing. Hasil penelitian menunjukkan adanya pengaruh signifikan variabel inflasi, suku bunga, dan jumlah kredit yang disalurkan dengan variabel non performing loan kredit modal kerja bank. Sedangkan hal sebaliknya terjadi pada variabel dummy sebelum dan sesudah kenaikan harga BBM subsidi yang menunjukkan nilai tidak signifikan dengan variabel  non performing loan  kredit modal kerja bank. Kata Kunci: Kenaikan Harga BBM subsidi, Non performing loan , Inflasi, Suku Bunga, Jumlah Kredit yang Disalurkan