Determinan Kredit Bermasalah Pada Bank Devisa di Indonesia

This study aims to examine and analyze the factors that affect problem credit in foreign exchange banks in Indonesia. This study uses the ratio NPL as the dependent variable. The independent variables use CAR, LDR, NIM, BOPO, interest rate and inflation. The data uses a secondary data. Data collection technique uses the documentation method. The populations of this study are all of the foreign exchange banks. There are 33 bank sample in this study. The data analysis technique uses panel data regression. The results show that CAR, LDR, NIM, BOPO, interest and inflation simultanously have a significant effect on NPL. CAR, LDR, and BOPO variables partially negative effect but not significantly on NPL. The NIM variable partially has a positive effect and not significant on the NPL. Interest rate partially has a significant positive effecton the NPL. The inflation variable partially has a significant negative effect on the NPL. Keyword : Foreign exchange bank, Panel Data, Regression, Problem Cred