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Abstrak :
Penelitian ini bertujuan untuk mengetahui determinan dari kredit bermasalah pada sektor perbankan di Indonesia yang dikategorikan berdasarkan 9 (sembilan) sektor ekonomi selama periode 2005-2011. Variabel makroekonomi dan bank spesifik di indikasi memiliki efek pada kualitas kredit untuk semua sektor ekonomi. Dengan menggunakan data panel dinamis, ditemukan bahwa kredit bermasalah untuk semua kategori kredit memiliki determinan yang berbeda-beda. Tidak semua kategori kredit dipengaruhi oleh variabel makroekonomi (PDB, suku bunga, Public Debt) dan kualitas manajemen. Sektor listrik, air dan gas dan sektor perdagangan, retoran dan hotel merupakan sektor yang paling terpengaruh oleh shocks makroekonomi. ...... This study aims to examine the determinants of non-performing loans in Indonesia banking industry based on nine economic sectors for the period 2005-2011. Macroeconomic and bank specific variables show an indication that both of them have an effect on loan quality. By using dynamic panel data found that non-performing loans to all categories of loans have different determinants. Not all loan categories are affected by macroeconomic variables (GDP, interest rates, Public Debt) and quality management. Electricity, water and gas sector and also trade, hotel restaurants sector being the most affected by macroeconomic shocks.

Abstrak :
The research was aimed to determine the characteristics of growth among the region, basic of sectors in province and regency/ town, regional share and national share position in deciding to the economics growth among the region during 1996 to 2002 period. The result could be useful as basic consideration to deciding the development planning in Nanggroe Aceh Darussalam Province. The purposive metode was used to determine the sample and the PDB and PDRB data were used in according to constant price in 1993. Klassen tipology, location quotient analysis (LQ) and mix and share analysis were used in this research. In the klassen tipology analysis, were found one as the retarted region characteristics (North Aceh Regency) eight regions as the growing region characteristics. And that included in the relatively back region characteristics and one as the relatively back region (West Aceh Regency). LQ analysis resulted, that there were 3 basic sectors in Nanggroe Aceh Darussalam, an agriculture sector; mining and quarrying sector; communication and transportation sector. At regency/town level, agriculture sector was the basic sector for 7 regions. Manufacturing Industries Sector was the basic sector in East Aceh Regency. The electricity, gas and water supply were the basic sector for 9 regions. Construction sector was the basic sector for 8 region. Trade, restaurant and hotel were the basic sector in 8 regions. The communication and transportation were the basic sector for 7 regions. Finance, Rent of Building and Business Services were the basic sector in 5 regions. Services sector was the basic sector for 9 regions but only sector was non basic sector (North Aceh Regency). Based on the mix and share analysis were found that the economic growth of nine regions were determined of regional share and one region was determined of national share (North Aceh Regency).