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All Journal Economics and Business Journal Journal Research of Social Science, Economics, and Management
Nurhana Dhea Parlina
Universitas Swadaya Gunung Jati, Indonesia
Economics, Econometrics & Finance Environmental Science

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Determinants of Net Interest Margin in Indonesian Conventional Banks: Evidence from 2020–2024: (Quantitative Study on Conventional Banks Listed on the Indonesia Stock Exchange for the Period 2020–2024) Cindy Zannah; Nurhana Dhea Parlina
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.403

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Operating Expenses to Operating Income (BOPO) on Net Interest Margin (NIM) in conventional banks listed on the Indonesia Stock Exchange during the 2020-2024 period. This study uses a quantitative approach with an associative research design. The sample was selected using purposive sampling and consisted of 11 conventional banks, resulting in 55 firm-year observations. The data were obtained from annual financial reports, official publications, and relevant banking sources. The data were analyzed using multiple linear regression with IBM SPSS Statistics 25, while the Cochrane-Orcutt method was applied to correct positive autocorrelation in the final model. The results show that CAR has a positive and significant effect on NIM, while NPL and BOPO have negative but insignificant effects on NIM. Simultaneously, CAR, NPL, and BOPO have a significant effect on NIM. The adjusted R-square value of 0.099 indicates that the independent variables explain 9.9% of the variation in NIM. These findings imply that capital adequacy remains an important internal factor in maintaining net interest margins, while credit risk control and operational efficiency should continue to be improved.
The Influence of Self-Control and Financial Literacy on the Use of Shopeepaylater Among Students in The Faculty of Economics and Business at Swadaya Gunung Jati University in Cirebon Mardiana Apriliani Putri; Nurhana Dhea Parlina
Journal Research of Social Science, Economics, and Management Vol. 5 No. 11 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i11.1514

Abstract

The rapid growth of Buy Now Pay Later (BNPL) services has transformed students' digital payment behavior, particularly through ShopeePayLater, which offers convenience, flexibility, and easy access to online credit. However, this development also raises concerns regarding uncontrolled consumption and students' ability to manage financial obligations responsibly. This study aims to examine the influence of self-control and financial literacy on the use of ShopeePayLater among students of the Faculty of Economics and Business, Universitas Swadaya Gunung Jati Cirebon. This research employed a quantitative associative approach with a survey method. The sample consisted of 115 active students who had used ShopeePayLater for at least three months, selected through purposive sampling. Data were collected using a structured questionnaire and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS software. The findings show that self-control has a positive and significant effect on ShopeePayLater usage, indicating that students with better self-control tend to use the service more rationally and in a planned manner. Financial literacy also has a positive and significant effect, demonstrating that students with a stronger financial understanding are able to assess the benefits, risks, and payment mechanisms of the service more responsibly. This study concludes that self-control and financial literacy are important internal factors that support wiser and more responsible use of ShopeePayLater.
Co-Authors Cindy Zannah Mardiana Apriliani Putri