The Effect of Modification of Technology Monitoring on Relationship Between Corporate Governance, Credit Monitoring, and Npl
Abstract Purpose: This study aims to examine whether there is a moderation effect of Technology Monitoring in the relationship between Corporate Governance and Credit Monitoring variables on the drivers of NPL.Design/Method: This research is a quantitative research. The data in this study are a combination of primary data obtained through questionnaires and also secondary data obtained from bank credit portfolios. The research took place at the Micro Branch Office of Bank Mandiri in Central Java Region with the head of the branch office as a sample in this study. The sampling technique used is Judgment Sampling and data analysis using SEM.Findings: The results showed that Corporate Governance had a positive and significant effect on Credit Monitoring, Corporate Governance had a negative and significant effect on NPL, Credit Monitoring had a negative and significant effect on NPL Technology Monitoring had a positive and not significant effect in moderating the relationship between Corporate Governance on NPL and the influence of Technology Monitoring a positive and significant effect in moderating the relationship between Credit Monitoring for NPL.Originality: The originality of this research lies in testing the effect of Corporate Governance and Credit Monitoring on Non-Performing Loans with the updating of Technology Monitoring as a moderating variable.