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Journal : Jurnal Riset Manajemen

The Effect of Net Interest Margin as a Mediator and Selected Factors in Determining the Profitability of Digital Banks Muhammad Raditya Rahagi; Najmudin Najmudin; Rio Dhani Laksana
JURNAL RISET MANAJEMEN (JURMA) Vol 1 No 1 (2023): March : Jurnal Riset Manajemen
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1056.629 KB) | DOI: 10.54066/jurma.v1i1.96

Abstract

Most digital banking companies experience negative returns on assets so it is necessary to analyze the factors change its financial position. This research intends to investigate the magnitude of loan to deposit, non-performing loan, and capital adequacy on profitability using net interest margin as mediation. In this research, the contents of sample are 7 (seven) digital banks registered at IDX during the period 2019 to the third quarter of 2022. The existing data were analyzed using Partial Least Square. As the result, the findings show that the magnitude of loan to deposit has a positive effect on net interest margin and then on profitability. Furthermore, net interest margin could to mediate significantly the impact of loan to deposit towards profitability. Meanwhile, non-performing loan has no beneficial impact to profitability. In addition, capital adequacy has an impact negatively on profitability.
Co-Authors Abidin, Maula Zaenal Ade Banani Adipura Danang Maulana Agus Setiono Agustin, Fitria Ahmad Fatoni Ahmed Bakhit, Mohammed Elfadil Aida Maqbullah Akbar Ilham Adi Pangestu Amalyah, Sarah Anggraeni, Ade Irma Anggun Mely Mustika Arini Zubaedah Atiyah, Isti Nuzulul BAMBANG SUNARKO Bosdon Andre Gevril Sinaga Budi Rahardjo Carolina Ety Widjayanti Daryono Daryono, Daryono Dea Nur Safitri Della Nanda Puspitararas Devy Apriandi Devy Widya Apriandi Devy Widya Apriandi Dian Siska Verawati Diego Agung Laksono Dini Nurjannah Dwita Setiyani Ekaningtyas Widiastuti Ekaningtyas Widiastuti Ekaningtyas Widiastuti Esih Jayanti Fajar Adi Prakoso Fajar Adi Prakoso Fajar Adi Prakoso Faraby Muhammad Zabaril Febriyanti, Erika Fika Rahmanita Gigih Rafif Suthanto Hanifah, Fitria Hasibuan, Reza Rahmadi Hasuri, Hasuri Helmia Mabchut Nahdi Ika Yustina Rahmawati Inastasya Shafira Indiyastuti, Nurhayati Indyastuti, Devani Laksmi Intan Shaferi, Intan Iqbal Iqbal Irfan Muhaimin Iwan Ridwan Jakaria Jakaria Jaryono Jaryono Jaryono Jaryono Jaryono, Jaryono Jihan Amalia Joni Prayogi Laksana, Rio Dhani Lasmedi Afuan Leni Susanti Lina Rifda Naufalin Lusi Suwandari ma'zumi, ma'zumi Maemonah, Maemonah Maisaroh, Ima Maksum, Maharani Pratiwi Mangku, I Ketut Marwah, Amelia Siti Maula Zaenal Abidin Mei Rani Amalia Muhammad Raditya Rahagi Muhammad Taufiq Nahdi, Helmia Mabchut Najib, Mohamad Ainun Nandang Bekti Karnowati Nandang Bekti Karnowati Nandang Bekti Karnowati Naufal Amara Syihan Neneng Sofiyanti Novandri, Weni Nunik Kadarwati Nurbaeti, Anindya Rizki Nurhayati Indiyastuti Nurtania Sudarmi Patonangan, Markliv Pradipta Setyanto, Refius Putra Pratama Putriana Setyaningtyas Fadilah Rabiatul Adawiyah, Wiwiek Rachmaniar Myrianda Dwiputri Rayhan Fidho Baghaskoro RETNO WIDURI Retno Widuri Reza Faizal Anshori Rio Dhani Laksana Ronald Haryanto Saleh, Sujai Sarah Triayuni Setyanto, Refius Pradipta Sigit Wibowo Dwi Nugroho Sofiatul Khotimah, Sofiatul SRI LESTARI Sri Lestari Sri Lestari Sri Rahayu Subroto, Muhammad Arshy Andika Sudarto Sudarto Sudarto Sudarto Sujanah, Nanah Suliyanto Suliyanto Susanti, Fatonah Eka Syahrul Syarifudin Syifa Fitriani Syihabudin, Syihabudin Tiyan Fatkhurrokhman Wahyudin Wahyudin Wandika , Hari Wely Hadi Gunawan. Weni Novandari Weni, Weni When Nada Milenia Wina Taskia Aulia Wisanggeni Bagus Anggoro Wiwiek R. Adawiyah Wiwiek Rabiatul Adawiyah Wiwiek Rabiatul Adawiyah Yulis Maulida Berniz Yuni Utami Yunus Agung Kristanto Zainal Abidin Zubaedah, Arini