FACTORS AFFECTING NON-PERFORMING LOANS IN STATE-OWNED BANKING

Cundo Harimurti (Institut Ilmu Sosial dan Manajemen STIAMI)
Pandoyo Pandoyo (Sekolah Pascasarjana Institut STIAMI)
Mohammad Sofyan (Institut Ilmu Sosial dan Manajemen STIAMI)

International Journal of Economics, Business and Accounting Research (IJEBAR)
Vol 6, No 2 (2022): IJEBAR, VOL. 06 ISSUE 02, JUNE 2022

This research aims to analyze the influence of macroeconomic factors projected by inflation and bank-specific factors used, namely Return on Asset, Equity to Asset Ratio, and Bank Size on Non-Performing Loan of State-Owned Banking for the period 2017-2021. This type of research is a causal associative study because it was conducted to determine the effect of Return on Assets, Equity to Asset Ratio, Inflation, and Bank Size on Non-performing State-owned banking Loans for the period 2017-2021. This research data analysis method uses data panel analysis as a data processing tool using EViews version 10. Return on Assets has a significant negative effect on Non-Performing Loans. Equity to Asset Ratio and bank size have a significant positive effect on Non-Performing Loans. Whereas inflation has a positive effect on Non-Performing Loans