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Non-Performing Loans Indonesian Banking Industry: Before and During Covid-19 Pandemic

Economics Development Analysis Journal · Vol. 12 No. 4 (2023) · hlm. 490–502

DOI
10.15294/edaj.v12i4.69009
ISSN
2252-6560
Terbit
2023-12-14
Penerbit
Economics Development Department, Universitas Negeri Semarang, Indonesia
Bahasa
eng

Abstrak

This study examines the factors influencing Non-Performing Loans in the Indonesian Banking Industry, specifically the Bank Group based on Core Capital (KBMI) 4, both before and during the COVID-19 Pandemic. Secondary data, spanning from January 2019 to September 2021, is utilized in this analysis. The study employs the error correction (ECM) model through regression analysis techniques. The findings indicate that the Loan Deposit Ratio and Bank Indonesia (BI) Rate significantly and negatively impact Non-Performing Loans in both the short and long term. Furthermore, the Dummy COVID-19 variable significantly and positively influences Non-Performing Loans in both the short and long term. While Net Interest Margin exhibits a positive but non-significant effect in the short term, it demonstrates a positive and significant effect on Non-Performing Loans in the long term.

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Abdul BashirSriwijaya University5
Anna YulianitaSriwijaya University3
Suhel SuhelSriwijaya University2
Mardalena MardalenaSriwijaya University2
Hanny HafiarPadjadjaran University1
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Bernadette RobianiAfiliasi tidak diketahui1
Feny MarissaSriwijaya University1
GustrianiAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/edaj/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Non-Performing Loans Indonesian Banking Industry: Before and During Covid-19 Pandemic</dc:title>
	<dc:creator>Hakim, Muhammad Nur</dc:creator>
	<dc:creator>Hidayat, Ariodillah</dc:creator>
	<dc:creator>Asngari, Imam</dc:creator>
	<dc:creator>Shodrokova, Xenaneira</dc:creator>
	<dc:description xml:lang="en-US">This study examines the factors influencing Non-Performing Loans in the Indonesian Banking Industry, specifically the Bank Group based on Core Capital (KBMI) 4, both before and during the COVID-19 Pandemic. Secondary data, spanning from January 2019 to September 2021, is utilized in this analysis. The study employs the error correction (ECM) model through regression analysis techniques. The findings indicate that the Loan Deposit Ratio and Bank Indonesia (BI) Rate significantly and negatively impact Non-Performing Loans in both the short and long term. Furthermore, the Dummy COVID-19 variable significantly and positively influences Non-Performing Loans in both the short and long term. While Net Interest Margin exhibits a positive but non-significant effect in the short term, it demonstrates a positive and significant effect on Non-Performing Loans in the long term.</dc:description>
	<dc:publisher xml:lang="en-US">Economics Development Department, Universitas Negeri Semarang, Indonesia</dc:publisher>
	<dc:date>2023-12-14</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/edaj/article/view/69009</dc:identifier>
	<dc:identifier>10.15294/edaj.v12i4.69009</dc:identifier>
	<dc:source xml:lang="en-US">Economics Development Analysis Journal; Vol 12 No 4 (2023): Economics Development Analysis Journal; 490 - 502</dc:source>
	<dc:source>2252-6560</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/edaj/article/view/69009/26013</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2023 Economics Development Analysis Journal</dc:rights>
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