Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal Kajian Ilmu Manajamen
Purnamawati Purnamawati
Program Studi Manajemen FEB UTM
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Peran Net Interest Margin dalam Memediasi Pengaruh Efisiensi Operasional dan Likuiditas terhadap Kinerja Keuangan Bank Konvensional di Indonesia 2020-2024 Putri Lestari; Purnamawati Purnamawati
Jurnal Kajian Ilmu Manajemen (JKIM) Vol 6, No 1 (2026): Maret
Publisher : Management Department of Economics and Business Of Trunojoyo Madura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/jkim.v6i1.33839

Abstract

This study aims to analyze the effect of operational efficiency and liquidity on financial performance with Net Interest Margin as a mediating variable in conventional banks listed on the Indonesia Stock Exchange during the 2020–2024 period. This research employs a quantitative approach using secondary data obtained from the annual financial reports of conventional banks. The population consists of all conventional banks listed on the Indonesia Stock Exchange, while the sample is determined using purposive sampling based on specific criteria. Operational efficiency is measured using the Operating Expenses to Operating Income ratio, liquidity is proxied by the Loan to Deposit Ratio, financial performance is represented by Return on Assets, and Net Interest Margin serves as the mediating variable. Data analysis is conducted using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) approach version 4.1.1.6. The results indicate that operational efficiency has a significant negative effect on Net Interest Margin but does not significantly affect financial performance. Liquidity has a significant positive effect on Net Interest Margin but does not significantly influence financial performance. Furthermore, Net Interest Margin has a significant positive effect on financial performance and is proven to mediate the effect of operational efficiency and liquidity on financial performance. 
Co-Authors Putri Lestari