Research Paper
Year: 2022 | Month: July | Volume: 9 | Issue: 7 | Pages: 535-549
DOI: https://doi.org/10.52403/ijrr.20220758
The Effect of Macroeconomics on Non-Performing Loans with Credit Growth as an Intervening Variable at PT. Bank SUMUT
Oppie Meisya Tanjung1, Isfenti Sadalia2, Nisrul Irawati2
1,2Master of Management Study Program on Postgraduate School of University of Sumatera Utara
Corresponding Author: Oppie Meisya Tanjung
ABSTRACT
Macroeconomics in Indonesia is a system for analyzing changes in the country's economy that can affect markets, companies and society. Macroeconomics can also explain the shape of changes in economic conditions in Indonesia. The formulation of the problem in this study are: (1) Does the inflation rate, interest rate and exchange rate have a partial effect on Non Performing Loans at PT. Bank SUMUT; (2) Does Non-Performing Loan affect credit growth at PT. Bank SUMUT; (3) Does the inflation rate, interest rate and exchange rate have a partial effect on Non Performing Loans through credit growth at PT. Bank SUMUT. The type of research used in this study is a causal research method using a quantitative approach, using quantitative data carried out by classical assumption tests, multiple regression analysis, and path analysis using Eviews 10. The results show that (1) Inflation and interest rates have a positive and significant effect on Non-Performing Loans, this indicates that the higher the inflation rate and interest rates, the higher the Non-Performing Loans, while the Rupiah exchange rate has a positive but not significant effect. to Non Performing Loans, this shows that the higher the Rupiah exchange rate does not affect the Non Performing Loans; (2) Credit growth has a negative and significant effect on Non-Performing Loans, this indicates that the higher the credit growth, the lower the Non-Performing Loans; (3) The inflation rate and interest rates have a significant effect on credit growth and credit growth also has a significant effect on Non Performing Loans, so this shows that credit growth can mediate the relationship between inflation rates and interest rates on Non Performing Loans, while the exchange rate Rupiah has no effect on credit growth but credit growth has a significant effect on Non-Performing Loans, so this shows that credit growth cannot mediate the relationship between the Rupiah exchange rate and Non- Performing Loans.
Keywords: Inflation Rate, Interest Rate, Rupiah Exchange Rate, Credit Growth, Non-Performing Loans..
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