Faktor penentu kredit macet pada bank umum konvensional di indonesia pada masa covid-19 dan pasca covid-19
Info Katalog
File Repositori
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2026
Pembimbing 1 : Rinaldi Rustam
Kata Kunci : Bank Credit; Net Interest Margin/NIM; Allowance for Credit Losses/CKPN; Policy Interest Rate; Non-pe
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2026_TS_MIE_121012401011_Halaman-Judul.pdf | ||
| 2. | 2026_TS_MIE_121012401011_Surat-Pernyataan-Revisi-Terakhir.pdf | ||
| 3. | 2026_TS_MIE_121012401011_Surat-Hasil-Similaritas.pdf | ||
| 4. | 2026_TS_MIE_121012401011_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | ||
| 5. | 2026_TS_MIE_121012401011_Lembar-Pengesahan.pdf | ||
| 6. | 2026_TS_MIE_121012401011_Pernyataan-Orisinalitas.pdf | ||
| 7. | 2026_TS_MIE_121012401011_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | ||
| 8. | 2026_TS_MIE_121012401011_Bab-1.pdf | ||
| 9. | 2026_TS_MIE_121012401011_Bab-2.pdf |
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| 10. | 2026_TS_MIE_121012401011_Bab-3.pdf |
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| 11. | 2026_TS_MIE_121012401011_Bab-4.pdf |
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| 12. | 2026_TS_MIE_121012401011_Bab-5.pdf | ||
| 13. | 2026_TS_MIE_121012401011_Daftar-Pustaka.pdf | ||
| 14. | 2026_TS_MIE_121012401011_Lampiran.pdf |
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P Penelitian ini bertujuan untuk menganalisis pengaruh faktor penentu kredit macet pada bank umum konvensional di bank indonesia pada masa covid-19 dan pasca covid-19.penelitian ini dilakukan terhadap 10 bank konvensional di indonesia, karena 10 bank tersebut menyumbang 70% penghimpunan dan penyaluran dana perbankan. periode penelitian tahun 2020–2025 yang mencakup masa pandemi covid-19 dan periode pemulihan pasca covid-19. metode analisis data yang digunakan yaitu analisis regresi data panel.hasil penelitian terpilih random effect model/rem : penyaluran kredit konsumtif, penyaluran kredit investasi, dan tingkat bunga kebijakan berpengaruh signifikan positif terhadap kredit macet di bank umum konvensional pada periode penelitian, sedangkan variabel kredit modal kerja, net interest margin /nim dan cadangan kerugian penurunan nilai tidak berpengaruh signifikan.penelitian ini menunjukkan bahwa suku bunga bank dianggap terlalu tinggi, bank indonesia diharapkan menurunkan suku bunga kebijakannya guna lebih meningkatkan penyaluran kredit. selain itu, bank-bank juga perlu lebih berhati- hati dalam memberikan kredit guna mengurangi risiko kredit macet.
T This study aims to analyze the impact of determinants of nonperforming loans at conventional commercial banks in indonesia during the covid-19 pandemic and in the post-covid-19 period.this study examines 10 conventional banks in indonesia, as these 10 banks account for 70% of banking sector funding mobilization and disbursement. the study period is 2020–2025, covering the covid-19 pandemic and the post-covid-19 recovery period. the data analysis method used is panel data regression analysis. the results indicate that, under the random effects model (rem), consumer loan disbursements, investment loan disbursements, and the policy interest rate have a significant positive effect on non-performing loans at conventional commercial banks during the study period, while the variables working capital loans, net interest margin/nim, and allowance for credit lossess/ckpn have no significant effect.this study suggests that bank interest rates are perceived as too high; bank indonesia is expected to lower its policy interest rate to further increase credit disbursement. in addition, banks also need to be more cautious in extending credit to reduce the risk of nonperforming loans.