{"id":"https://openalex.org/W2602629922","doi":"https://doi.org/10.21511/bbs.12(1).2017.08","title":"The impact of macroeconomic and bank-specific factors toward non-performing loan: evidence from Indonesian public banks","display_name":"The impact of macroeconomic and bank-specific factors toward non-performing loan: evidence from Indonesian public banks","publication_year":2017,"publication_date":"2017-03-24","ids":{"openalex":"https://openalex.org/W2602629922","doi":"https://doi.org/10.21511/bbs.12(1).2017.08","mag":"2602629922"},"language":"en","primary_location":{"id":"doi:10.21511/bbs.12(1).2017.08","doi":"https://doi.org/10.21511/bbs.12(1).2017.08","is_oa":true,"landing_page_url":"https://doi.org/10.21511/bbs.12(1).2017.08","pdf_url":"https://businessperspectives.org/images/pdf/applications/publishing/templates/article/assets/8257/BBS_en_2017_01_Fajar.pdf","source":{"id":"https://openalex.org/S2764465937","display_name":"Banks and Bank Systems","issn_l":"1816-7403","issn":["1816-7403","1991-7074"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["anvur-scientific","doaj","erih-plus","norway-1","poland-20","russia-white-list-1"],"host_organization":"https://openalex.org/P4310321069","host_organization_name":"Business Perspectives","host_organization_lineage":["https://openalex.org/P4310321069"],"host_organization_lineage_names":["Business Perspectives"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Banks and Bank Systems","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://businessperspectives.org/images/pdf/applications/publishing/templates/article/assets/8257/BBS_en_2017_01_Fajar.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5086304081","display_name":"Hanifan Fajar","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I29617571","display_name":"University of Indonesia","ror":"https://ror.org/0116zj450","country_code":"ID","type":"education","lineage":["https://openalex.org/I29617571"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Hanifan Fajar","raw_affiliation_strings":["Department of Administrative Science, Faculty of Social and Political Science, Universitas of Indonesia, Depok, Indonesia","Department of Administrative Science, Faculty of Social and Political Science, Universitas Indonesia, Depok, Indonesia. Umanto, Department of Administrative science, Faculty of Social and Political Science,","Universitas Indonesia, Depok, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Administrative Science, Faculty of Social and Political Science, Universitas of Indonesia, Depok, Indonesia","institution_ids":["https://openalex.org/I29617571"]},{"raw_affiliation_string":"Department of Administrative Science, Faculty of Social and Political Science, Universitas Indonesia, Depok, Indonesia. Umanto, Department of Administrative science, Faculty of Social and Political Science,","institution_ids":["https://openalex.org/I29617571"]},{"raw_affiliation_string":"Universitas Indonesia, Depok, Indonesia","institution_ids":["https://openalex.org/I29617571"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5084005012","display_name":"Umanto","orcid":"https://orcid.org/0000-0001-6838-4109","observed_orcids":["https://orcid.org/0000-0001-6838-4109"]},"institutions":[{"id":"https://openalex.org/I29617571","display_name":"University of Indonesia","ror":"https://ror.org/0116zj450","country_code":"ID","type":"education","lineage":["https://openalex.org/I29617571"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Umanto","raw_affiliation_strings":["Dr., Faculty of Administrative Science, University of Indonesia","Department of Administrative Science, Faculty of Social and Political Science, Universitas Indonesia, Depok, Indonesia. Umanto, Department of Administrative science, Faculty of Social and Political Science,","Universitas Indonesia, Depok, Indonesia"],"raw_orcid":"https://orcid.org/0000-0001-6838-4109","affiliations":[{"raw_affiliation_string":"Dr., Faculty of Administrative Science, University of Indonesia","institution_ids":["https://openalex.org/I29617571"]},{"raw_affiliation_string":"Department of Administrative Science, Faculty of Social and Political Science, Universitas Indonesia, Depok, Indonesia. Umanto, Department of Administrative science, Faculty of Social and Political Science,","institution_ids":["https://openalex.org/I29617571"]},{"raw_affiliation_string":"Universitas Indonesia, Depok, Indonesia","institution_ids":["https://openalex.org/I29617571"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I29617571"],"apc_list":{"value":595,"currency":"EUR","value_usd":641},"apc_paid":{"value":595,"currency":"EUR","value_usd":641},"fwci":2.6438,"has_fulltext":true,"cited_by_count":35,"citation_normalized_percentile":{"value":0.8989281,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":99},"biblio":{"volume":"12","issue":"1","first_page":"67","last_page":"74"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9315999746322632,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9315999746322632,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.06629999727010727,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/non-performing-loans","display_name":"non-performing loans","score":0.9990000128746033},{"id":"https://openalex.org/keywords/bank-specific-determinants","display_name":"bank-specific determinants","score":0.640999972820282},{"id":"https://openalex.org/keywords/macroeconomic-factors","display_name":"macroeconomic factors","score":0.8849999904632568},{"id":"https://openalex.org/keywords/state-owned-banks","display_name":"state-owned banks","score":0.6940000057220459},{"id":"https://openalex.org/keywords/credit-risk","display_name":"credit risk","score":0.722000002861023},{"id":"https://openalex.org/keywords/inflation","display_name":"inflation","score":0.4320000112056732},{"id":"https://openalex.org/keywords/gdp-growth","display_name":"GDP growth","score":0.6380000114440918},{"id":"https://openalex.org/keywords/return-on-equity","display_name":"return on equity","score":0.7979999780654907},{"id":"https://openalex.org/keywords/operating-costs","display_name":"operating costs","score":0.6639999747276306},{"id":"https://openalex.org/keywords/bank-solvency","display_name":"bank solvency","score":0.6320000290870667},{"id":"https://openalex.org/keywords/bank-size","display_name":"bank size","score":0.6159999966621399},{"id":"https://openalex.org/keywords/interest-rates","display_name":"interest rates","score":0.5920000076293945},{"id":"https://openalex.org/keywords/indonesian-banking","display_name":"Indonesian banking sector","score":0.6309999823570251}],"concepts":[{"id":"https://openalex.org/C71387314","wikidata":"https://www.wikidata.org/wiki/Q494128","display_name":"Non-performing loan","level":3,"score":0.7753709554672241},{"id":"https://openalex.org/C175025494","wikidata":"https://www.wikidata.org/wiki/Q179179","display_name":"Interest rate","level":2,"score":0.5273395776748657},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.5227622985839844},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.5218005180358887},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.5106452107429504},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.49521270394325256},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4480401575565338},{"id":"https://openalex.org/C199728807","wikidata":"https://www.wikidata.org/wiki/Q2578557","display_name":"Equity (law)","level":2,"score":0.43020322918891907},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.40206971764564514},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2254694104194641},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.2177003026008606},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.21511/bbs.12(1).2017.08","doi":"https://doi.org/10.21511/bbs.12(1).2017.08","is_oa":true,"landing_page_url":"https://doi.org/10.21511/bbs.12(1).2017.08","pdf_url":"https://businessperspectives.org/images/pdf/applications/publishing/templates/article/assets/8257/BBS_en_2017_01_Fajar.pdf","source":{"id":"https://openalex.org/S2764465937","display_name":"Banks and Bank Systems","issn_l":"1816-7403","issn":["1816-7403","1991-7074"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["anvur-scientific","doaj","erih-plus","norway-1","poland-20","russia-white-list-1"],"host_organization":"https://openalex.org/P4310321069","host_organization_name":"Business Perspectives","host_organization_lineage":["https://openalex.org/P4310321069"],"host_organization_lineage_names":["Business Perspectives"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Banks and Bank Systems","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:cc0ba488fd2a4c7bbc108fce7bfb50e8","doi":null,"is_oa":true,"landing_page_url":"https://doaj.org/article/cc0ba488fd2a4c7bbc108fce7bfb50e8","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Banks and Bank Systems, Vol 12, Iss 1, Pp 67-74 (2017)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.21511/bbs.12(1).2017.08","doi":"https://doi.org/10.21511/bbs.12(1).2017.08","is_oa":true,"landing_page_url":"https://doi.org/10.21511/bbs.12(1).2017.08","pdf_url":"https://businessperspectives.org/images/pdf/applications/publishing/templates/article/assets/8257/BBS_en_2017_01_Fajar.pdf","source":{"id":"https://openalex.org/S2764465937","display_name":"Banks and Bank Systems","issn_l":"1816-7403","issn":["1816-7403","1991-7074"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["anvur-scientific","doaj","erih-plus","norway-1","poland-20","russia-white-list-1"],"host_organization":"https://openalex.org/P4310321069","host_organization_name":"Business Perspectives","host_organization_lineage":["https://openalex.org/P4310321069"],"host_organization_lineage_names":["Business Perspectives"],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Banks and Bank Systems","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.7257999777793884,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2602629922.pdf","grobid_xml":"https://content.openalex.org/works/W2602629922.grobid-xml"},"referenced_works_count":18,"referenced_works":["https://openalex.org/W1518321276","https://openalex.org/W1520529735","https://openalex.org/W1584421680","https://openalex.org/W1596697003","https://openalex.org/W2007867145","https://openalex.org/W2025610165","https://openalex.org/W2035554302","https://openalex.org/W2037492637","https://openalex.org/W2069777137","https://openalex.org/W2100670087","https://openalex.org/W2135511268","https://openalex.org/W2135840152","https://openalex.org/W2144357229","https://openalex.org/W2150059822","https://openalex.org/W2755378552","https://openalex.org/W2953803312","https://openalex.org/W3122861456","https://openalex.org/W6794692860"],"related_works":["https://openalex.org/W3041406724","https://openalex.org/W4389343660","https://openalex.org/W6990318602","https://openalex.org/W2889232503","https://openalex.org/W2951328561","https://openalex.org/W4362699918","https://openalex.org/W2950940783","https://openalex.org/W2293712741","https://openalex.org/W4309982858","https://openalex.org/W3177989391"],"abstract_inverted_index":{"The":[0,69],"present":[1,72],"study":[2,73],"focuses":[3],"on":[4,21,26,50,115,127,147,180],"the":[5,93,137,159],"need":[6,32],"for":[7],"banking":[8,22,192],"sector":[9],"to":[10,33,45,66,121,134,156,176],"be":[11,163,172],"more":[12],"reactive":[13],"when":[14],"facing":[15],"globalization":[16],"that":[17,92,165],"could":[18,171],"bring":[19],"impact":[20,114],"industries":[23],"complexity.":[24],"Based":[25],"empirical":[27],"studies,":[28],"there":[29],"is":[30,74],"a":[31,47,63,111,130],"analyze":[34,67,177],"non":[35],"performing":[36,99],"loan":[37],"determinants":[38,60,179],"comprehensively":[39],"using":[40],"macroeconomic":[41,54,167],"and":[42,55,107,124,154,168],"bank-specific":[43,56,169],"factors":[44],"make":[46],"good":[48],"condition":[49],"bank,":[51],"because":[52],"combining":[53,166],"variable":[57,170],"as":[58],"NPL":[59,97,178],"has":[61,129],"made":[62],"big":[64],"improvement":[65],"NPL.":[68,116,135,157],"object":[70],"of":[71,96,102],"20":[75],"Banks":[76],"listed":[77],"in":[78],"Indonesia":[79],"Stock":[80],"Exchange":[81],"(IDX)":[82],"between":[83],"q12005-q42014.":[84],"Using":[85],"dynamic":[86,189],"panel":[87,190],"data":[88],"GMM-system":[89],"method":[90,175],"shows":[91],"previous":[94],"period":[95],"(non":[98],"loan),":[100],"change":[101],"PDB":[103],"(Gross":[104],"Domestic":[105],"Product)":[106],"inflation":[108],"rate":[109,149],"have":[110],"significantly":[112,131],"negative":[113],"However,":[117],"BOPO":[118],"(Operations":[119],"Expenses":[120],"Operations":[122],"Income)":[123],"ROE":[125],"(Return":[126],"Equity)":[128],"positve":[132],"relationship":[133],"On":[136],"other":[138],"hand,":[139],"this":[140],"research":[141],"does":[142],"not":[143],"find":[144],"any":[145],"significance":[146],"BI":[148],"(interest":[150],"rate),":[151],"solvency":[152],"ratio,":[153],"size":[155],"From":[158],"result,":[160],"it":[161],"can":[162],"concluded":[164],"an":[173],"alternative":[174],"bank.":[181],"Keywords:":[182],"nonperforming":[183],"loans,":[184],"banks,":[185],"credit":[186],"risk,":[187],"globalization,":[188],"data,":[191],"industries.":[193],"JEL":[194],"Classification:":[195],"G21,":[196],"E44,":[197],"E51,":[198],"E5,":[199],"F60":[200]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":13},{"year":2021,"cited_by_count":5},{"year":2020,"cited_by_count":4},{"year":2019,"cited_by_count":1},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":1}],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2017-04-07T00:00:00"}