Analisis Faktor yang Mempengaruhi Non Performing Loan pada Bank Perkreditan Rakyat di Nusa Tenggara Barat

  • Yati Fitria Zamri Fakultas Ekonomi dan Bisnis Universitas Mataram, Indonesia
  • Lilik Handajani Fakultas Ekonomi dan Bisnis Universitas Mataram, Indonesia
  • Ahmad Rifai Fakultas Ekonomi dan Bisnis Universitas Mataram, Indonesia

Abstract

This study aims to provide empirical evidence about  main cause of height Non Performing Loan (NPL) at Rural Bank in West Nusa Tenggara. The methodology used is Factor Analysis exploratory . Population in this research is all Rural Bank  in West Nusa Tenggara. Total Respondent are 128 respondent which are Board Director, Marketing department, and Collection Department. Based on previous research found 38 variabel that causes NPL at Rural Bank. By using analysis factor  the study found 10 major factors as the main cause of the NPL at Rural Bank in West Nusa Tenggara. The results of this research can be used as a reference for Rural Bank  in an attempt to suppress the NPL in each Rural Bank. In addition, it can be used as a reference for financial Services Authority (OJK)  in the surveillance institution to BPR.


Keywords: Non Performing Loan; Rural Bank; Factors Analysis; Main factor.

Downloads

Download data is not yet available.

References

Angaine, F., & Waari, D. N. (2014). Factors Influencing Loan Repayment in Micro-Finance Institutions in Kenya. IOSR Journal of Business and Management, 16(9), 66–72.

Dewi, O. L. K. (2011). Pengaruh Efektivitas Sistem Pengendalian Intern Terhadap Kualitas Kredit Bank Perkreditan Rakyat (BPR) Di Kota Pati. Universitas Diponegoro.

Dhar, S., & Bakshi, A. (2015). Determinants of loan losses of Indian banks: A panel study. Journal of Asia Business Studies, 9(1), 17–32.

Dileep, & Rao, G. V. K. (2013). A Study on Indian Rural Banking Industry: Issues and Challenges. Asia Pacific Journal of Research, 2(4), 1–13.

Djohanputro, B., & Kountur, R. (2007). Non Performing Loan (NPL) Bank Perkreditan Rakyat (BPR) (Vol. 1).

Eric, O., & Assenso, J. K. (2015). Regulatory capital and its effect on credit growth, non-performing loans and bank efficiencyEvidence from Ghana. Jurnal Of Financial Economic Policy, 7(1), 401–420.

Fernando, A. A. J., & Dedunu, H. H. (2017). Factors Affecting to Performing and Non- performing Borrower ’ s Loan Repayment Ability. Imperial Journal of Interdiciplinary, 3(9), 161–166.

Hatta, A. J. (2012). Faktor-Faktor Yang Mempengaruhi Kebijakan deviden: investigasi pengaruh Teori stakeholder. JAAI, 6(2), 1–22.

Herri, SE., MBA., P. (2008). Studi Peningkatan Peran Bank Perkreditan Rakyat (BPR) Dalam Pembiayaan Usaha Mikro Kecil (UMK) Di Sumatera Barat. Jurnal CBR UNAND BPR, 1–37.

Ifeanyi, N., Nwachukwu, C., Alamba, S., & Oko-Isu, A. (2010). Determinants of institutional credit repayment performance among farmers in afikpo north lga of ebonyi state, nigeria. Advances in Agriculture & Botanics- International Journal of the Bioflux Society, 2(3), 279–284.

Kurniawan, Y. (2014). Pengaruh Faktor Internal dan Eksternal Perusahaan terhadap Audit Delay dan Timeliness (studi Empiris pada Perusahaan Manufaktur yang terdaftar di Bursa Efek Indonesia Tahun 2012-2013. Universitas Diponegoro.

Mahmudah, R. (2013). Analisis Faktor-Faktor Yang Mempengaruhi Non-Performing Loan Di Sulawesi Selatan. Universitas Hasanuddin.

Nadham, V., & Nahid, B. (2015). Determinants of Non Performing Loans in Commercial Banks. International Journal of Finance & Banking Studies (2147-

Oladeebo, J. O., & Oladeebo, O. E. (2008). Determinants of Loan Repayment among Smallholder Farmers in Ogbomoso Agricultural Zone of Oyo State, Nigeria. Journal of Social Sciences, 17(1), 59–62.

Rahman, L. M. H. (2018). Analisis Faktor Kendala Implementasi Pola Pengelolaan Keuangan Badan Layanan Umum Daerah (PPK-BLUD) Puskesmas Di Kabupaten Lombok Barat. Universitas Mataram.

Saleem, A., Jan†, D. F. A., Khattak, R. M., & Quraishi, M. I. (2014). Impact of Farm and Farmers Characteristics On Repayment of Agriculture Credit (A case study of D.I.Khan, Khyber Pakhtoonkhawa. Abasyn Journal of Social Sciences, 4(1), 23–35.

Santoso, S. (2016). Aplikasi SPSS Pada Statistik Multivariat. Jakarta: Media Computindo.
Published
2020-04-23
How to Cite
ZAMRI, Yati Fitria; HANDAJANI, Lilik; RIFAI, Ahmad. Analisis Faktor yang Mempengaruhi Non Performing Loan pada Bank Perkreditan Rakyat di Nusa Tenggara Barat. E-Jurnal Akuntansi, [S.l.], v. 30, n. 4, p. 815 - 827, apr. 2020. ISSN 2302-8556. Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/55104>. Date accessed: 14 nov. 2024. doi: https://doi.org/10.24843/EJA.2020.v30.i04.p01.
Section
Artikel

Most read articles by the same author(s)