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All Journal Journal of Innovative and Creativity Jurnal Simki Economic
Santi Sartika
Sekolah Tinggi Ilmu Ekonomi Yasa Anggana
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Analisis Pengaruh Net Interest Margin terhadap Pertumbuhan Laba pada Industri Perbankan: Bukti Empiris dari PT Bank Victoria International Tbk Santi Sartika; Nisa Nurparidah
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7066

Abstract

Banking performance is greatly influenced by a bank's ability to manage interest income and maintain profit stability, especially in volatile economic conditions. Changes in the Net Interest Margin (NIM) are an important indicator that can affect profit growth, so they need to be examined empirically. This study aims to analyse NIM developments, profit growth developments, and test the effect of NIM on profit growth at PT Bank Victoria International Tbk. This study uses a quantitative approach with an explanatory method. The research population consists of all annual financial reports of PT Bank Victoria International Tbk, and the sample was selected using the purposive sampling technique, namely financial reports for the 2018–2023 period that met the data availability criteria. Secondary data was obtained through official company publications. The analysis was conducted through descriptive analysis, correlation, simple regression, and influence testing using statistical software. The results show that NIM and profit growth fluctuated during the observation period. NIM is positively related to profit growth, but it is not the main determinant of the company's profit increase. Profit growth is more influenced by other factors such as operational efficiency, asset quality, provision expenses, and non-interest income. The implications of this study emphasise the need for a more comprehensive income and risk management strategy, including strengthening the quality of productive assets, diversifying income, and improving cost efficiency, in order to achieve sustainable profit growth.
Analisis Pengembalian Portofolio Investasi Perusahaan Asuransi Wajib di Indonesia Studi pada PT. Jasa Raharja (Persero) Tbk Periode 2013-2022 Nurdiana Agustina; Dini Nurhayati; Santi Sartika
Jurnal Simki Economic Vol 7 No 2 (2024): Volume 7 Nomor 2 Tahun 2024
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v7i2.789

Abstract

This study aims to determine the level of return on investment in the investment portfolio of PT. Jasa Raharja for the period 2013 to 2022. This research method uses a quantitative method involving the process of collecting secondary data for ten years, then conducting a financial ratio analysis followed by multiple regression analysis, then describing the interpretation of the research results. The results of the financial ratio analysis using the net investment income ratio showed that in each period the level of return on the investment portfolio tended to continue to decline from 10% in 2013 to 6.89% in 2022. The results of the normality test to test the sample obtained a normally distributed sample, then the results of the multiple regression test showed that the results of the investment portfolio and the value of the investment portfolio together affected the net investment income ratio. In this study, the company was less than optimal in managing its investment funds. Therefore, the company is less able to rely on the investment returns obtained to add new investment funds in the next period. If this happens continuously, the company in meeting funds for payment of claim expenses and other company operational expenses can only rely on premium income from customers so that the company's profits are low.
Co-Authors Dini Nurhayati Nisa Nurparidah Nurdiana Agustina