PENGARUH PEMBIAYAAN, KAPITALISASI, INFLASI, SUKU BUNGA, PERTUMBUHAN EKONOMI DAN PERTUMBUHAN KREDIT TERHADAP RISIKO KREDIT PADA BPR KONVENSIONAL PERIODE 2014-2023

Bank financial institutions have an important role in the economy, namely as intermediary institutions. As intermediary institutions, financial institutions will face risks that affect the profits obtained from receiving or providing loans. Credit risk is one of the main types of risk that must be managed effectively. This study aims to examine the effect of financing, capitalization, inflation, interest rates, economic growth and loan growth on credit risk in conventional BPR for the period 2014-2023. This study is a quantitative study, which uses the IBM SPSS Statistics 24 software analysis tool. The sample in this study was 1,402 conventional BPRs registered with the Financial Services Authority (OJK). The results of the study prove that there is a negative influence between financing, inflation and loan growth on credit risk. There is a positive influence between capitalization and interest rates on credit risk. However, economic growth is not proven to have an effect on credit risk.