| dc.description.abstract | This research aims at finding out the effect of bank internal factors towards Non-Performing Loan (NPL). The
internal factors of bank used in this study are credit expansion level, operational efficiency level, credit interest
level, and the percentage of credit with problems in the previous period as dynamic effect. The research is very
importantdue to thecondition that the ratio of NPL owned by the bank group tend to increase.Compared to
previous studies (especially thosewhich took the case in Indonesia), this study had some strengths in terms of
bigger sample size(using quarterly data of 97 banks during 2013 until 2015)and the use of Generalized
Method of Moment(GMM) modelto analyze the effect of bank internal factor towards NPL.Based on theGMM
model analysis, it can be concluded that the level of credit expansion, operational efficiency, credit interest and
the percentage of credit with problems in aquarterly period ahead would give positive effect towards NPL in
the following quarterly period. Meanwhile, the percentage of credit with problems in two quarterly periodsahead
would give negative effect towards NPL in the followingquarterly period. | en_US |
