ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NON PERFORMING LOAN UMKM DI INDONESIA

2017ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI \ud NON PERFORMING LOAN UMKM DI INDONESIA \ud \ud DETERMINANTS OF NON PERFORMING LOANS BY \ud MICRO, SMALL, AND MEDIUM ENTERPRISES IN INDONESIA \ud \ud Aldilla Gea Azuari \ud Abd. Hamid Paddu \ud Sri Undai Nurbayani \ud \ud Penelitian ini bertujuan untuk menganalisis pengaruh kurs, inflasi, suku bunga, CAR, \ud & LDR terhadap NPL-UMKM di Indonesia. Penelitian ini menggunakan data \ud sekunder yang bersifat time series dipublikasikan oleh BI, BPS, dan OJK dianalisis \ud dengan metode estimasi OLS (ordinary least square). \ud Hasil menunjukkan bahwa 78 persen dari variasi variabel independen dalam \ud penelitian ini menjelaskan variabel NPL-UMKM di Indonesia, sedangkan 22 persen \ud sisanya dipengaruhi oleh faktor-faktor lain di luar model estimasi. Secara parsial \ud suku bunga berpengaruh positif dan signifikan, CAR berpengaruh positif dan \ud signifikan, LDR berpengaruh negative dan signifikan, & kurs dan inflasi tidak \ud berpengaruh terhadap NPL-UMKM di Indonesia. Hasil penelitian juga menunjukkan \ud bahwa secara bersama-sama kurs, inflasi, suku bunga, CAR, & LDR berpengaruh \ud terhadap NPL-UMKM di Indonesia. \ud Kata kunci: Non Performing Loan UMKM, Kurs, Inflasi, Suku Bunga, CAR, LDR \ud This research aims to analyze the influence of exchange rate, inflation, interest rate, \ud capital adequacy ratio, & loan to deposit ratio on MSMEs??? NPL. This research uses \ud secondary data with time series quarterly through BI, BPS, and OJK which analyzed \ud by OLS (ordinary least square). \ud The result of this research shows that 78 percent of independent variable variation \ud could explain MSMEs??? NPL variable in Indonesia, while 22 percent were influenced \ud by other factors beyond this model estimation. Partially, interest rate shows positive \ud & significant effect, CAR shows positive & significant effect, LDR shows negative & \ud significant effect, & exchange rate and inflation do not affect the MSMEs??? NPL in \ud Indonesia. The result also shows that all variables affect the MSMEs??? NPL \ud simultaneously. \ud Keywords: Non Performing Loans of MSMe, Exchange Rate, Inflation, Interest \ud Rate, CAR, LD