<mets:mets OBJID="eprint_5184" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-06-24T22:04:00Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>Repository Universitas Bojonegoro</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_5184_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>Laporan Akhir Penelitian Internal Dosen: Faktor Yang Mempengaruhi Non Performing Loan Bank Swasta di Indonesia</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">Aziz</mods:namePart><mods:namePart type="family">Khalid Fauzi Aziz</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:name type="personal"><mods:namePart type="given">Handoyo</mods:namePart><mods:namePart type="family">Ugroseno Damara Prasadhana Handoyo</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:name type="personal"><mods:namePart type="given">Indra</mods:namePart><mods:namePart type="family">Muksin Nur Indra</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>Penelitian ini bertujuan untuk menganalisis pengaruh struktur modal, inflasi, dan suku bunga terhadap kredit macet (NPL) pada bank-bank swasta di Indonesia periode 2020-2024. Data panel dianalisis menggunakan model Fixed Effect (FEM) dan diuji robustness-nya dengan metode Generalized Least Squares (GLS). Hasil penelitian menunjukkan bahwa struktur modal, inflasi, dan suku bunga memiliki pengaruh positif dan signifikan terhadap NPL. Bank-bank dengan struktur modal yang lebih tinggi, inflasi yang lebih tinggi, dan suku bunga yang lebih tinggi cenderung memiliki NPL yang lebih tinggi. Penelitian ini memberikan implikasi penting bagi bank dan regulator dalam mengelola risiko kredit macet</mods:abstract><mods:classification authority="lcc">H Social Sciences (General)</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8601">2026-01-01</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>LPPM UNIVERSITAS BOJONEGORO</mods:publisher></mods:originInfo><mods:genre>Other</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_5184"><mets:rightsMD ID="rights_eprint_5184_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
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    </mods:useAndReproduction></mets:xmlData></mets:mdWrap></mets:rightsMD></mets:amdSec><mets:fileSec><mets:fileGrp USE="reference"><mets:file ID="eprint_5184_11895_1" SIZE="710273" OWNERID="https://repository.unigoro.ac.id/id/eprint/5184/1/Laporan%20Akhir%20-%20Khalid%20Fauzi%20Aziz.pdf" MIMETYPE="application/pdf"><mets:FLocat LOCTYPE="URL" xlink:type="simple" xlink:href="https://repository.unigoro.ac.id/id/eprint/5184/1/Laporan%20Akhir%20-%20Khalid%20Fauzi%20Aziz.pdf"></mets:FLocat></mets:file></mets:fileGrp></mets:fileSec><mets:structMap><mets:div DMDID="DMD_eprint_5184_mods" ADMID="TMD_eprint_5184"><mets:fptr FILEID="eprint_5184_document_11895_1"></mets:fptr></mets:div></mets:structMap></mets:mets>