<![CDATA[The research aims to analyze the impact of the macro variables and variable financial ratios to Non Performing Loan analysis method used was Ordinary Least Square ( OLS ) using quarterly data from 2003: 1 to 2014: 4 . The results showed that the variables of Exchange Rate ,the Gross Domestic Product, and Loan to Deposit Ratio (LDR) has a negative impact significantly on the NPLs, variable lending rates and Capital Adequacy Ratio (CAR) has a significant positive effect, simultaneously and together variable Non Performing Loan effect significant. Variable credit rate has a strong influence which led to an increase in NPLs . For further research, it is advisable to increase the number of variables that will be studied in order to determine what variables that influenced the Non Performing Loan.]]>
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