ANALISIS PENGARUH FAKTOR INTERNAL DAN EKSTERNAL TERHADAP NON - PERFORMING LOAN

Bank is a financial institution that is the most important affecting the economy of both micro and macro . The level of nonperforming loans usually occurs reflected by the ratio of Non - Performing Loan (NPL) that occurred in the bank. The lower NPL ratio, then the lower level of problem loans is happening, which means the better the condition of the bank. Non - performing loans is one indicator in assessing the performance of the functions of the bank, which the bank is functioning as an inte rmediary institution. The aims of this study to analyze the influence of the credit portfolio, CAR, GDP value, BI rate and exchange rate on Non - Performing Loan at National Private Banks (foreign exchange) in Indonesia. This study uses study design causali ty. The population in this study is a group of National Private Banks (foreign exchange) registered at Bank Indonesia. Total population of the study was 35 National Private Banks (foreign exchange) registered in Bank Indonesia period 2010 until 2014. This study uses a quantitative method with multiple regression analysis. The results of research and discussion can be concluded that credit portfolio, BI rate and exchange rate has influence on Non Performing Loan (NPL) at the National Private Banks (foreign e xchange) in Indonesia. While C apital Adequency Ratio (CAR) and Gross Domestic Product (GDP) in real has no influence on Non Performing Loan at the National Private Banks (foreign exchange) in Indonesia. Keywords: Credit Portfolio, Capital Adequency Ratio , Gross Domestic Product, BI Rate, Exchange Rate, Non Performing Loa