<![CDATA[AbstrakTujuan - Penelitian ini bertujuan untuk mengetahui pengaruh faktor spesifik internal bank terhadap interest rate.Desain/Metodologi/Pendekatan - Regresi data panel berganda yang digunakan untuk mengukur pengaruh faktor spesifik internal bank seperti liquidity, operational efficiency, credit risk, capitalization, dan lending out ratio terhadap interest rateHasil – Penelitian ini menemukan bahwa efficiency dan credit risk memiliki pengaruh positif yang signifikan terhadap interest rate sedangkan liquidity, capitalization dan lending out ratio tidak berpengaruh terhadap interest rate.Keterbatasan/Nilai – Pengukuran interest rate tidak menggunakan suku bunga sbi tetapi perhitungan selisih antara suku bunga pinjaman dan suku bunga deposito. AbstractProposed - This study aims to determine the effect of bank's specific internal factors on interest rates.Design/Methodology/Approach - Mutiple panel data was used to analyse bank internal specific factors, namely liquidity, operational efficiency, credit risk, capitalization, and lending out ratio to the interest rate.Result – The results of this study indicate that efficiency and credit risk have a significant positive effect on interest rates while liquidity but capitalization and lending out ratio do not affect the interest rateNovelty/Value - Interest rate measurement does not use the SBI interest rate but calculates the difference between the loan interest rate and the deposit rate.]]>
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