KOMPARASI NON PERFORMING LOAN KREDIT TANPA AGUNAN DAN KREDIT AGUNAN TERHADAP PERTUMBUHAN KREDIT PERBANKAN DI INDONESIA
Author : Herawati Khotmi, Endang Kartini
ABSTRACT
The purpose of this research is to identificate the effect and comparison of non performing loan (NPL) the personal loan and the mortgage loan concerning to the growth of banking credit in Indonesia. This research use the secunder data downloaded from bi.go.id and idx.co.id website. The data which is yield by the researcher is the bank financial statements that used as data manner by NPL and the growth of banking credit. The analysis technic which is used for this research is normalitas test manner, then continued by fold regression.
This research indicates that there is the average NPL rate is the NPL of personal loan less than NPL of mortgage loan and the negative effect (to compete) of NPL the personal loan and the mortgage loan concerning to the growth of credit in banking. The signification value indicate that the value of 0,038 is less than 0,05 (0,038<0,05), which means that there are significant NPL to loan growth. At the assembling, the banking must be firm hold on to the humble principle, it is meant to avoid from the problem of credit and hope to minimize NPL at the future.
Keyword: NPL of personal loan comparation and mortgage loan, the growth of banking.
