The Influence of Macroeconomic Stability On Financial Performance, Credit Risk, And The Resilience of The Indonesian Banking Sector

Gregorius Paulus Tahu

doi:10.63922/ijevss.v5i03.4809

Gregorius Paulus Tahu Mahasaraswati University Denpasar

DOI: https://doi.org/10.63922/ijevss.v5i03.4809

Keywords: Macroeconomic Stability, ROA, NPL, CAR, Banking Sector

Abstract

This study aims to analyze the influence of macroeconomic stability on financial performance, credit risk, and the resilience of the banking sector in Indonesia. The macroeconomic variables examined include inflation, economic growth, interest rates, and exchange rates. Financial performance is proxied by Return on Assets (ROA), credit risk by Non-Performing Loans (NPL), and banking resilience by the Capital Adequacy Ratio (CAR). This research employs a quantitative approach using multiple linear regression analysis processed with SPSS software. The results indicate that macroeconomic variables simultaneously have a significant effect on ROA and CAR, but do not significantly affect NPL. Partially, economic growth has a positive and significant effect on ROA, while the exchange rate has a positive and significant effect on CAR. Meanwhile, inflation and interest rates do not show a significant influence on ROA, NPL, or CAR. These findings suggest that macroeconomic conditions play an important role in shaping the performance and resilience of the banking sector in Indonesia.

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