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Adyanto Budi Rachmansyah
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Economics, Econometrics & Finance

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Determinan Net Interest Margin pada Bank Perkreditan Rakyat Indonesia Rahmat Setiawan; Nindhita Rafianti Putri; Adyanto Budi Rachmansyah
Jurnal Riset Bisnis dan Manajemen Vol. 12 No. 2 (2019): Edisi Agustus
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (734.125 KB) | DOI: 10.23969/jrbm.v12i2.1666

Abstract

The purpose of this research is to analyze the determinants of net interest margin (NIM) at Bank Perkreditan Rakyat (BPR) or rural banks in Indonesia 2016. This research uses multiple linear regression model. Data was obtained from Infobank magazine published in July 2016-2017. This research uses 269 BPR or rural banks in Indonesia. Dependent variable in this research is Net Interest Margin (NIM). Independent variables use credit risk proxied with non-performing loan (NPL), liquidity risk proxied by loan to deposit ratio (LDR), capital adequacy proxied with capital adequacy ratio (CAR), the efficiency ratio proxied by BOPO, and bank size proxied by logarithm of total asset (SIZE). The results showed that liquidity risk, and capital adequacy have significant positive affect on net interest margin while the credit risk, efficiency ratio, and bank size affect inversely on net interest margin
Co-Authors Nindhita Rafianti Putri RAHMAT SETIAWAN