Pengaruh Faktor Spesifik Bank dan Faktor Makroekonomi terhadap Non-Performing Loan pada Bank BUKU 4 yang terdaftar di BEI

Lending is one of the main activities of banks in obtaining profits. But on the other hand, this can be the biggest source of risk owned by banks. The higher lending will be followed by an increase in problem loans. Good risk management is needed in lending activities to avoid an increase in problem loans. Large increases in problem loans can affect the health of banks. Banks are required to always control the loans they manage so that the NPL level is stable. BUKU 4 Bank has a greater obligation to extend productive loans compared to other category banks so that the risk in dealing with non-performing loans is higher. If non-performing loans are not well controlled, this will have an impact on operational activities and bank revenue. In the end, this will also affect the pace of the country's economy because BUKU 4 Bank has large capital and assets that dominate economic activity. This study was conducted with the aim of: (1) analyzing the influence of bank specific factors and macroeconomic factors on non-performing loans at BUKU 4 banks listed on the IDX and (2) formulating managerial implications in controlling non-performing loans at BUKU 4 banks listed on the IDX based on the factors that influence it. The sample in this study was Bank BUKU 4 from the period 2014 to 2018. There were two variables used in this study, the dependent variable includes non-performing loans and independent variables include LDR, ROA, bank size, GDP, BI rate, exchange rates. Quantitative analysis methods in the form of descriptive analysis and panel data regression analysis are used to analyze the data obtained in the study. The results of this study indicate that bank-specific factors that influence nonperforming loans are ROA and bank size. ROA and bank size have a negative influence on non-performing loans. For macroeconomic factor that influences nonperforming loans is the BI rate which has a negative effect on non-performing loans. In this study, bank specific factors have a greater influence on non-performing loans compared to macroeconomic factors. Therefore, banks need to pay more attention to the specific factors of banks, especially in terms of asset management. One aspect that has a significant impact on the amount of ownership of bank assets is the total credit extended to the public