Pengaruh faktor internal dan eksternal terhadap non performing loan bank konvensional yang terdaftar di Bursa Efek Indonesia
P Penelitian ini bertujuan untuk mengetahui apakah faktor internal dan eksternal Bankmempunyai pengaruh terhadap non performing loan (NPL) pada bank konvensionalyang terdaftar di Bursa Efek Indonesia periode 2014 - 2018. Jumlah sampel yangdiambil dalam penelitian ini sebanyak 32 Bank dengan teknik sampling yangdigunakan adalah purposive sampling. Variabel dependen dalam penelitian ini adalahnon performing loan (NPL). Variabel independen berdasarkan faktor internal terdiridari return on asset (ROA), return on equity (ROE), suku bunga kredit dan ukuranbank sedangkan faktor eksternal yaitu produk domestik bruto, inflasi dan tingkatpengangguran. Berdasarkan hasil penelitian ukuran bank berpengaruh positifterhadap non performing loan (NPL). Return on asset (ROA) berpengaruh negatifterhadap non performing loan (NPL), sedangkan Return on equity (ROE) , sukubunga kredit, produk domestik bruto, inflasi dan tingkat pengangguran tidakmemiliki pengaruh terhadap non performing loan (NPL).
T The purpose of this paper is to analyze whether internal and external banks have aninfluence on non performing loan (NPL) on conventional banks listed on theIndonesia Stock Exchange in the period 2014 - 2018. The number of samples takenin this study were 32 banks with the sampling technique used was purposivesampling. The dependent variable in this study is non performing loan (NPL). Theindependent variable based on internal factors consists of return on assets (ROA),return on equity (ROE), loan interest rate, size, while external factors are grossdomestic product (GDP), inflation and unemployment. Based on the research resultssize have a positive effect on non performing loan (NPL). Return on assets (ROA)has a negative effect on non performing loans (NPLs), while return on equity (ROE),loan interest rate, Gross domestic product (GDP), inflation and unemployment haveno significant effect on non performing loan (NPL).