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"Monetary crisis, which leads to unstable economic condition, has caused a number of banks being liquidated. This research is conducted by using major accounting ratios in order to identify the characteristics of liquidated and restructured banks, of which are listed in Jakarta Stock Exchange. The growth of bank industry was highly related with Paket Oktober 1988. This condition is marked by increasing number of banks, from 40 companies in 1988 to 240 companies in 1994. This research is conducted based on a three period financial information, commencing 1994 to 1996. Proven hypothesis concludes that the number of restructured banks is greater than of liquidated banks. On the other hand, the hypothesis related to leverage and gain has failed to be proven. However, the big sample that can be analyzed through box plot may be the caused to this result."

"[ABSTRAK Tujuan penelitian ini adalah mengidentifikasi pengaruh Dana Pihak Ketiga (DPK), suku bunga rata-rata kredit modal kerja, Non Performing Loan (NPL), dan Produk Domestik Regional Bruto (PDRB) mempengaruhi penawaran kredit Bank Perkreditan Rakyat dan pengaruh Produk Domestik Regional Bruto (PDRB), inflasi kawasan, dan suku bunga rata-rata kredit modal kerja mempengaruhi permintaan kredit Bank Perkreditan Rakyat. Penelitian ini menggunakan metode panel data dan menguji regresi dengan model random effect model atas kemungkinan perbedaan kawasan dan waktu. Studi membuktikan bahwa DPK, suku bunga rata-rata kredit modal kerja, NPL, dan PDRB secara bersama-sama memiliki pengaruh yang signifikan terhadap penawaran kredit. Lalu, PDRB, inflasi kawasan, dan suku bunga rata-rata kredit modal kerja secara bersama-sama mempengaruhi permintaan kredit.

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ABSTRACT The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand.;The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region?s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region?s inflation, and average lending rate of working capital simultaneously affect the credit demand., The purpose of this study is to identify the impact of third party funds, average lending rate of working capital, non performing loan (NPL), and gross domestic regional products (GDRP) to affect credit supply of Rural Regional Bank and the affect of gross domestic regional product (GDRP), region’s inflation, and average lending rate of working capital affect the credit demand of Rural Regional Bank. This study using panel data method and regression with random effect model from model possibility of the region and time differences. The study proved that third party funds, average lending rate of working capital, NPL, and GDRP simultaneously having significant affect on the credit supply. Then GDRP, region’s inflation, and average lending rate of working capital simultaneously affect the credit demand.]"

"Tesis ini bertujuan mengidentifikasi faktor-faktor baik keuangan maupun non keuangan, yang berpengaruh terhadap kemungkinan kredit menjadi bermasalah atau nonperforming loan (NPL}. Terdapat dua belas variabel yang dijadikan prediktor yaitu current ratio, equity ratio, return on assets, interest coverage ratio, net liabilities coverage ratio, sales growth, EBITDA on revenues, net working capital, cash flow to current liabilities, ukuran perusahaan, kepemi1ikan dan umur perusahaan. Penelitian dilakukan dengan menggunakan sampel sebanyak seratus debitur Bank XYZ yang masuk dalam kategori kredit komersial menengah. Pengujian dilakukan dengan menggunakan metode regresi Iogit. Hasil pengujian model penelitian menunjukkan bahwa semakin baik likuiditas, profitabilitas dan ukuran perusahaan akan menurunkan kemungkinan terjadinya kredit bermasalah.

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The objective of this thesis is to identify financial and non financial factors which have influences on the probability of nonperforming loans (NPLs). There arc twelve variables as predictors namely current ratio, equity ratio, return on assets, interest coverage ratio, net liabilities coverage ratio, sales growth, EBITDA on revenues, net working capital, cash flow to current liabilities, company size, ownership and company age. The research ls conducled by using a hundred samples of middle and commercial debtors at Bank XYZ. The statistical tests are conducted by using logit regression method. The model tests show that the better the liquidity and profitability and the bigger the company size; the lower the probability of nonperforming loans."

"Tesis ini membahas perbedaan faktor-faktor yang mempengaruhi kredit Bank BUMN dan Bank Swasta Nasional di Indonesia pada kurun waktu tahun 2003-2008. Penelitian ini menggunakan analisa deskriptif dan analisa regresi linear berganda dengan variabel dependen kredit Bank BUMN dan Bank Swasta Nasional, variabel independen terdiri dari Suku Bunga Kredit Modal Kerja, Kurs Rupiah, Inflasi, Non Performing Loan (NPL), Indeks Harga Saham Gabungan (IHSG) dan Indeks Produksi Industri (EPI).Hasil penelitian menyatakan variabel independen Kurs,NPL berpengaruh signifikan terhadap perkembangan kredit Bank BUMN, sedangkan pada Bank Swasta Nasional variabel yang signifikan Kurs,NPL dan IPI. Disarankan Bank Indonesia menjaga kestabilan inflasi,mendorong Bank BUMN dan Bank Swasta Nasional untuk meningkatkan intermediasinya ke sektor pertanian atau sektor riil serta meningkatkan pengawasannya kepada Bank BUMN yang rentan terhadap kodisi makroekonomi. IHSG dan IPI secara umum berpengaruh untuk perkembangan kredit untuk itu diharapkan pemerintah mampu menciptakan iklim usaha yang kondusif untuk dunia usaha.

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This thesis discusses the differences in the factors that affect state-owned Bank of Credit and the National Private Bank in Indonesia in the period of2003-2008 years. This research using descriptive analysis and linear regression analysis with the dependent variable credit and state-owned Bank National Private Bank, the independent variables consist of Interest Rate Credit Working Capital, Rupiah Exchange Rate, Inflation, Non-Performing Loan (NPL), Joint Stock Price Index (JCI) and Industrial Production Index (IPI). The independent research variables States Exchange, NPL significant influence on the development of state-owned bank credit, while the National Bank Private variables significantly Exchange, NPL and IPI. Bank Indonesia is recommended to maintain stable inflation, encouraging state-owned Bank and National Bank for Private intermediate to improve the agricultural sector or the real sector and to improve supervision of state-owned Bank vulnerable to macroeconomic condition. JCI and the IPI to influence the general development of the credit for the government is expected to create a conducive business climate for the business world."

"Makalah ini dimulai dengan beberapa tanggapan atas tujuan kebijakan desentralisasi daerah Indonesia. Kemudian , setelah dengan singkat meneliti beberapa aspek relevan dari kebijakan pembangunan daerah di Filipina dan Australia, maka beberapa saran kebijakan akan dikemukakan...."