FAKTOR EKSTERNAL DAN INTERNAL KREDIT BERMASALAH PADA BANK PERKREDITAN RAKYAT PERIODE 2005-2014

Abstract

This study analyzes the impact of internal and external variables on the non performing loanin the shorterm and longterm session. This study used quantitatve approach applying analysis of vector error correction model (VECM). The research object was the conventional Bank for Community Credit (BPR) in Indonesia. Monthly reports data were used within 2005 to 2014. The rsults show that a sugnificant relationship exists on external and internal factors towards the non-performance loan in the long-term services; in the short term services, a significat impact comes from inflatin, rate interest and Loan to Deposit Ratio. The most significant impact for the internal factors appear from BOPO, LDR and interest rate.