PENGARUH INDEKS PRODUKSI INDUSTRI, SUKU BUNGA BI RATE DAN CAPITAL ADEQUACY RATIO TERHADAP NON PERFORMING LOAN PADA INDUSTRI PERBANKAN INDONESIA PERIODE 2017–2024

ADAM RAMADAN HARAHAP, . (2026) PENGARUH INDEKS PRODUKSI INDUSTRI, SUKU BUNGA BI RATE DAN CAPITAL ADEQUACY RATIO TERHADAP NON PERFORMING LOAN PADA INDUSTRI PERBANKAN INDONESIA PERIODE 2017–2024. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Indeks Produksi Industri (IPI), BI Rate, dan Capital Adequacy Ratio (CAR) terhadap Non Performing Loan (NPL) pada perbankan di Indonesia selama periode 2017–2024. NPL merupakan salah satu indikator penting dalam menilai kualitas kredit dan stabilitas sektor perbankan. Meningkatnya rasio NPL dapat meningkatkan risiko sistemik yang berpotensi mengganggu stabilitas sistem keuangan secara keseluruhan. Perubahan kondisi makroekonomi dan faktor internal perbankan diduga memiliki peran dalam memengaruhi tingkat NPL, sehingga diperlukan analisis empiris untuk memahami hubungan tersebut. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis data time series bulanan yang diperoleh dari publikasi resmi Bank Indonesia, Badan Pusat Statistik, Otoritas Jasa Keuangan dan CEICData. Metode analisis yang digunakan adalah regresi linear berganda dengan bantuan software SPSS. Sebelum dilakukan estimasi model, data terlebih dahulu diuji melalui uji statistik deskriptif, uji stasioneritas, uji asumsi klasik, serta penanganan outlier untuk memastikan kelayakan model yang digunakan dalam penelitian. Hasil penelitian menunjukkan bahwa Indeks Produksi Industri (IPI) memiliki pengaruh positif namun tidak signifikan terhadap NPL. Sementara itu, BI Rate memiliki pengaruh negatif dan signifikan terhadap NPL, yang menunjukkan bahwa kebijakan suku bunga memiliki keterkaitan dengan kualitas kredit perbankan. Selain itu, Capital Adequacy Ratio (CAR) terbukti berpengaruh positif dan signifikan terhadap NPL, yang mengindikasikan bahwa peningkatan permodalan perbankan berkaitan dengan peningkatan eksposur risiko kredit. Berdasarkan hasil tersebut, dapat disimpulkan bahwa faktor eksternal berupa kebijakan moneter dan faktor internal perbankan memiliki peran dalam memengaruhi NPL, meskipun tidak semua variabel menunjukkan pengaruh yang signifikan. Namun secara simultan ketiga variabel tersebut berpengaruh signifikan terhadap NPL. Kata Kunci: Indeks Produksi Industri, BI Rate, Capital Adequacy Ratio, Non Performing Loan, Perbankan ***** This study aims to analyze the effect of the Industrial Production Index (IPI), BI Rate, and Capital Adequacy Ratio (CAR) on Non-Performing Loans (NPL) in the Indonesian banking sector during the period 2017–2024. NPL is one of the key indicators used to assess credit quality and the stability of the banking sector. An increase in the NPL ratio may elevate systemic risk and potentially disrupt overall financial system stability. Changes in macroeconomic conditions and internal banking factors are assumed to play a role in influencing the level of NPL; therefore, empirical analysis is required to better understand these relationships. This study employs a quantitative approach using monthly time series data obtained from official publications of Bank Indonesia, Statistics Indonesia (BPS), the Financial Services Authority (OJK), and CEIC Data. The analytical method used is multiple linear regression with the assistance of SPSS software. Prior to model estimation, the data were tested using descriptive statistics, stationarity tests, classical assumption tests, and outlier treatment to ensure the validity and reliability of the model. The results indicate that the Industrial Production Index (IPI) has a positive but insignificant effect on NPL. Meanwhile, the BI Rate has a negative and significant effect on NPL, indicating that interest rate policy is associated with banking credit quality. In addition, the Capital Adequacy Ratio (CAR) is found to have a positive and significant effect on NPL, suggesting that higher bank capital is associated with increased exposure to credit risk. Based on these findings, it can be concluded that external factors such as monetary policy and internal banking factors play a role in influencing NPL, although not all variables show a significant effect. However, simultaneously, the three variables have a significant effect on NPL. Keywords: Industrial Production Index, BI Rate, Capital Adequacy Ratio, Non-Performing Loan, Banking

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Harya Kuncara Wiralaga, S.E., M.Si. ; 2). Dr. Karuniana Dianta Arfiando Sebayang, S.IP., M.E.
Subjects:	Ilmu Sosial > Teori Ekonomi Ilmu Sosial > Sejarah Ekonomi, Kondisi Ekonomi Ilmu Sosial > Keuangan Ilmu Sosial > Keuangan Negara
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Users 33772 not found.
Date Deposited:	08 Jul 2026 03:52
Last Modified:	08 Jul 2026 03:52
URI:	http://repository.unj.ac.id/id/eprint/66527

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