Published: 2023-10-01

Dinamika Indeks Harga Properti Residensial Dan Non-Performing Loan Properti Sebelum Dan Saat Pandemi Covid-19

DOI: 10.35870/jemsi.v9i5.1397

Ajeng Ayu Sabriani, Tony Irawan, Moch. Hadi Santoso
  • Ajeng Ayu Sabriani: Sekolah Bisnis, Institut Pertanian Bogor , Indonesia
  • Tony Irawan: Sekolah Bisnis, Institut Pertanian Bogor , Indonesia
  • Moch. Hadi Santoso: Sekolah Bisnis, Institut Pertanian Bogor , Indonesia
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Abstract


Kenaikan harga rumah akan berdampak pada kenaikan NPL properti. Namun pada masa pandemi Covid-19, ketika harga rumah mengalami penurunan, NPL properti justru mengalami peningkatan. Penelitian ini bertujuan untuk menganalisis dinamika Indeks Harga Properti Residensial dan NPL properti sebelum dan saat pandemi Covid-19, serta bagaimana pengaruh Indeks Harga Properti Residensial terhadap NPL properti. Teknik analisis data yang digunakan adalah analisis deskriptif dan analisis regresi data panel. Penelitian ini menggunakan 16 Provinsi sebagai sampel yang terdaftar baik pada Survei Harga Properti Residensial maupun Statistik Perbankan Indonesia dari kuartal 1 tahun 2017 sampai dengan kuartal 4 tahun 2021. Hasil penelitian menunjukkan bahwa sebelum dan selama pandemi Covid-19 terdapat kondisi yang berbeda, yaitu peningkatan Indeks Harga Properti Residensial dan penurunan NPL properti. Indeks Harga Properti Residensial berpengaruh negatif dan signifikan terhadap NPL properti. Hasil penelitian juga menunjukkan bahwa PDRB dan pandemi Covid-19 masing-masing berpengaruh negatif dan signifikan terhadap NPL properti, sedangkan penyaluran kredit properti berpengaruh positif terhadap NPL properti.


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How to Cite

Sabriani, A. A., Irawan, T., & Santoso, M. H. . (2023). Dinamika Indeks Harga Properti Residensial Dan Non-Performing Loan Properti Sebelum Dan Saat Pandemi Covid-19. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 9(5), 1772-1780. https://doi.org/10.35870/jemsi.v9i5.1397
Article Information

This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 9 No. 5 (2023)

  • Section: Articles

  • Published: %750 %e, %2023

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