Non-Performing Loan Moderated by Risk: Speed Adjustment and Gender

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Adler Haymans Manurung, Tipri Rose Kartika

Abstract

This Research aims to explore determinant of Non-Performing Loan using internal and external variable and it also investigate speed adjustment in Non-Performing Loan.  This research used Model Panel Data to estimate and to test their relationship with period data of 2014 to 2018.  This research has results that Non-Performing Loan Lag one, Loan Deposit Ratio, Capital Adequacy Ratio, Gender, Market Power were significant to affect current Non-Performing Loan.  These Exchange rate and Fed Rate Variable variables of external factor are significant to affect current Non-Performing Loan. Non-Performing Loan Lag-one, Loan Deposit ratio, Gender, Fed Rate and Exchange rate variable was supported by Risk as moderating variable to affect current Non-Performing Loan

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