[ABSTRAK
Penelitian ini bertujuan untuk mengetahui pengaruh faktor makroekonomi, yaitupertumbuhan produk domestik bruto (PDB), perubahan nilai tukar mata uang, perubahantingkat inflasi dan faktor internal bank, yaitu pangsa pasar dan strategi kredit terhadap tingkatkredit bermasalah (non-performing loans) pada bank umum terbuka di Indonesia. Pengujianhipotesis dilakukan dengan menggunakan regresi data panel model fixed effects dengan totalsampel sebanyak 30 bank umum yang terdaftar di Bursa Efek Indonesia selama triwulanpertama tahun 2009 sampai dengan triwulan keempat tahun 2013. Hasil dari penelitian inimenemukan bahwa pertumbuhan PDB dan pangsa pasar memiliki pengaruh negatif dansignifikan terhadap tingkat kredit bermasalah, sedangkan nilai tukar mata uang dan strategikredit memiliki pengaruh positif dan signifikan terhadap kredit bermasalah. Hasil daripenelitian ini juga menunjukkan bahwa perubahan tingkat inflasi tidak berpengaruhsignifikan terhadap tingkat kredit bermasalah.

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ABSTRACT
The aim of this research is to analyze the effects of macroeconomic factors, namely grossdomestic product (GDP) growth, changes in exchange rates, changes in inflation rate andbank internal factors, namely market shares and credit strategies on non performing loans inIndonesian listed banking companies. Hypotesis-testing is done using fixed effects model ofpanel regression with a total sample of 30 banks listed at Indonesia Stock Exchange duringthe first quarter of 2009 to the fourth quarter of 2013. The finding reveal that growth of GDP,and market shares have a negative and significant impact on non-performing loans, whilechanges in exchange rates and credit strategies have a positive and significant impact on nonperformingloans. The result of this research shows that changes in inflation rates has nosignificant impact on non-performing loans.;The aim of this research is to analyze the effects of macroeconomic factors, namely grossdomestic product (GDP) growth, changes in exchange rates, changes in inflation rate andbank internal factors, namely market shares and credit strategies on non performing loans inIndonesian listed banking companies. Hypotesis-testing is done using fixed effects model ofpanel regression with a total sample of 30 banks listed at Indonesia Stock Exchange duringthe first quarter of 2009 to the fourth quarter of 2013. The finding reveal that growth of GDP,and market shares have a negative and significant impact on non-performing loans, whilechanges in exchange rates and credit strategies have a positive and significant impact on nonperformingloans. The result of this research shows that changes in inflation rates has nosignificant impact on non-performing loans.;The aim of this research is to analyze the effects of macroeconomic factors, namely grossdomestic product (GDP) growth, changes in exchange rates, changes in inflation rate andbank internal factors, namely market shares and credit strategies on non performing loans inIndonesian listed banking companies. Hypotesis-testing is done using fixed effects model ofpanel regression with a total sample of 30 banks listed at Indonesia Stock Exchange duringthe first quarter of 2009 to the fourth quarter of 2013. The finding reveal that growth of GDP,and market shares have a negative and significant impact on non-performing loans, whilechanges in exchange rates and credit strategies have a positive and significant impact on nonperformingloans. The result of this research shows that changes in inflation rates has nosignificant impact on non-performing loans.;The aim of this research is to analyze the effects of macroeconomic factors, namely grossdomestic product (GDP) growth, changes in exchange rates, changes in inflation rate andbank internal factors, namely market shares and credit strategies on non performing loans inIndonesian listed banking companies. Hypotesis-testing is done using fixed effects model ofpanel regression with a total sample of 30 banks listed at Indonesia Stock Exchange duringthe first quarter of 2009 to the fourth quarter of 2013. The finding reveal that growth of GDP,and market shares have a negative and significant impact on non-performing loans, whilechanges in exchange rates and credit strategies have a positive and significant impact on nonperformingloans. The result of this research shows that changes in inflation rates has nosignificant impact on non-performing loans.;The aim of this research is to analyze the effects of macroeconomic factors, namely grossdomestic product (GDP) growth, changes in exchange rates, changes in inflation rate andbank internal factors, namely market shares and credit strategies on non performing loans inIndonesian listed banking companies. Hypotesis-testing is done using fixed effects model ofpanel regression with a total sample of 30 banks listed at Indonesia Stock Exchange duringthe first quarter of 2009 to the fourth quarter of 2013. The finding reveal that growth of GDP,and market shares have a negative and significant impact on non-performing loans, whilechanges in exchange rates and credit strategies have a positive and significant impact on nonperformingloans. The result of this research shows that changes in inflation rates has nosignificant impact on non-performing loans.;The aim of this research is to analyze the effects of macroeconomic factors, namely grossdomestic product (GDP) growth, changes in exchange rates, changes in inflation rate andbank internal factors, namely market shares and credit strategies on non performing loans inIndonesian listed banking companies. Hypotesis-testing is done using fixed effects model ofpanel regression with a total sample of 30 banks listed at Indonesia Stock Exchange duringthe first quarter of 2009 to the fourth quarter of 2013. The finding reveal that growth of GDP,and market shares have a negative and significant impact on non-performing loans, whilechanges in exchange rates and credit strategies have a positive and significant impact on nonperformingloans. The result of this research shows that changes in inflation rates has nosignificant impact on non-performing loans., The aim of this research is to analyze the effects of macroeconomic factors, namely grossdomestic product (GDP) growth, changes in exchange rates, changes in inflation rate andbank internal factors, namely market shares and credit strategies on non performing loans inIndonesian listed banking companies. Hypotesis-testing is done using fixed effects model ofpanel regression with a total sample of 30 banks listed at Indonesia Stock Exchange duringthe first quarter of 2009 to the fourth quarter of 2013. The finding reveal that growth of GDP,and market shares have a negative and significant impact on non-performing loans, whilechanges in exchange rates and credit strategies have a positive and significant impact on nonperformingloans. The result of this research shows that changes in inflation rates has nosignificant impact on non-performing loans.]