Analisis Variabel yang Mempengaruhi Kredit Macet Perbankan di Indonesia
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Global financial markets are now increasingly fragile and unstble after a series of financial crises and scandals engulfing virtually every country in the world. In order for potential crisis does not happen again, now more often discussed and the study of the solvency ratio or credit risk by economists to formulate recipes prevention of potential crises are repeated. The purpose of this study was to explore the resilience of bank financing in Indonesia during the global financial crisis and what factors influence it in Indonesia. By using OLS test, the results showed that the number of Islamic bank financing (FDR) and the GDP level affects the level of funding problem (NPF) significantly. Being on the other hand, the level of conventional banking credit crunch influenced by interest rates positively and deposits and loans ratio (LDR) negatively. These findings add to growing evidence of how the Islamic economic system and Islamic banking can reduce the impact of the global financial crisis significantly to domestic society of a country.