The Influence of Internal and External Factors on Non-Performing Loans In Indonesia's Largest Banking Industry

This study aims to measure the effectiveness of internal factor proxies from aspect efficiency as measured by ratio operating costs and income (BOPO), liquidity loan-deposit (LDR), bank size total assets, aspects capital that buffer external factors using Repo Rate, inflation on non-performing loans in ten largest banking industries Indonesia. The sample consists 10 banks Indonesia with criteria having assets national above 2%. data used are annual 2011 2020. results show bank's factors, BOPO has a positive significant effect NPL. LDR, variable buffer, negative While obtained not From where interest rates have NPLs while is for increasing