Abstract
The Cause of Non-Performing Loan in Retail and Commercial Working Capital (Case of Bank XYZ in Province Nanggroe Aceh Darussalam)
Highlights
The banking sector has a strategic role in the economy of a country; with commercial banks is one of the economic actors who have a vital role
One form of credit risk according to Dendawijaya ( 2003) is a non performing loans (NPL), because if there is a lot of nonperforming loans will be very detrimental to the bank itself
The emergence of non-performing loans cannot be avoided by a banking financial institution, but the most important is how bank management makes efforts as a preventive and anticipatory step to minimize the possibility of credit becoming problematic in the future
Summary
The banking sector has a strategic role in the economy of a country; with commercial banks is one of the economic actors who have a vital role. One form of credit risk according to Dendawijaya ( 2003) is a non performing loans (NPL), because if there is a lot of nonperforming loans will be very detrimental to the bank itself. This indicator is a principal financial ratio that can provide information on the condition of capital assessment, profitability, credit risk, and market risk and bank liquidity. This NPL or non-performing loans has an impact on reducing bank capital (Breuer, 2006). It will have an impact on lending in the period
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