Mulia Alim, Hesty Erviani Z


Non performing loans are defined as risks associated with the likelihood
of failure of the client to pay its obligations or the risk that the debtor
can not repay the debt. NPLs reflect credit risk, the smaller the NPL the
less the credit risk borne by the bank. In order for the bank's value to
this ratio to be good, Bank Indonesia sets the net NPL ratio below 5%.
In addition to domestic and foreign economic problems, it turns out that
some of the financial ratios held by the Bank can give effect to the
change in NPL value at Commercial Banks. This study aims to analyze
the influence of liquidity and solvency ratios (LDR, LAR and DER), the
amount of credit, inflation rate and BI Rate to the ratio of nonperforming
loans (NPL) to commercial banks and simultaneously
analyze the comparison of NPL Performance in state-owned Commercial
Banks (BUMN) with Private Banks domestic (BSDN).

Full Text:



Ahmad, R. Ariff, M. & Skully, M.J 2008 The

Determinant of Bank Capital Ratios

in aDeveloping Economy. Asia-Pasific

Financial Markets, 255 - 272

Ali et al. 2011.Bank Specific and

Macroeconomic Indicators of


from the Commercial Bank of

Pakistan. International Journal of

Business and Social Science, 235-242

Alkhatib, Akram 2012.Financial

Performance of Palestinian

Commercial Banks. International

Journal of Business and Social Science,

– 184

Gujarati, Damodar N. 2004. Basic

Econometrics.Forth Edition. E-Book

Hasan et al. 2013.The Impact of

Macroeconomic and Bank Specific

Components on The Return of

Equity. Interdisciplinary Journal of

Contemporary Research in Business,

- 126

Jacob, Jeremiah Kevin Denis. 2013. Analisis

Laporan Keuangan Dengan

Menggunakan Metode Camel Untuk

Menilai Tingkat Kesehatan

Perbankan, EMBA, 691-700

Kumbirai, Mabwe & Robert Webb 2010.A

Financial Ratio Analysis of

Commercial Bank Performance in

South Africa. African Review of

Economic and Finance, 30 – 53

Margaretha, Farah & Diana Setianingrum

Pengaruh Resiko, Kualitas

Manajemen, Ukuran dan Likuiditas

Bank terhadap Capital Adequacy

Ratio Bank-Bank yang Terdaftar di

BursaEfek Indonesia. Jurnal Akuntansi

dan Keuangan, 47 - 56

Messai, S. A., and Jouini, F. 2013. Micro and

Macro Determinants of Non-

Performing Loans. International

Journal of Economics and Financial Issues,


Meka, Alvin. 2015. Non-Performing Loanstingking

and going out of The

Traditional Box.

Myers, Stewart C. 1989. Signaling and

Accounting Information. NBER

Working Paper Series,

Narasimhan, V.K & Mridula Goel. 2013.

Capital Adequacy and its Relevance

to The IndianBanking Sector: A

Study of Four Indian Banks.

International Reseach Journal of Social

Sciences, 1 - 5

Sahara, Ayu Yanita. 2013. Analisis Pengaruh

Inflasi, Suku Bunga BI, dan Produk

Domestik Bruto Terhadap Return

On Asset (ROA) Bank Syariah di

Indonesia. Jurnal Ilmu Manajemen, 149 -

Samad, A. 2004.Bahrain Commercial Bank’s

Performance during 1994 – 2001.

Credit and Financial Management Review,

- 40

Sawir, 2005.Analisis Kinerja Keuangan dan

Perencanaan Keuangan Perusahaan.

PT. GramediaPustaka Utama, Jakarta.

Sinungan, Muchdarsyah, 1992. Bank Dan

Perbankan-Manajemen, Jakarta:

Rineka Cipta

Bank Indonesia 2012. Laporan Keuangan

Publikasi Bank Syariah.

Peraturan Bank Indonesia

Otoritas Jasa Keuangan


Article Metrics

Abstract - 742 PDF - 816



  • There are currently no refbacks.