Faktor Penentu Net Interest Margin Bank Umum Konvensional di Indonesia
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Abstract
Bank is a financial institution that has an important role for the economy of a country. As an Agent of Development, bank performance needs to be considered. The performance of banks in Indonesia is still inefficient, this is indicated by the ratio of the Net Interest Margin (NIM) which is still quite high. The purpose of this study was to determine factor affecting Net Interest Margin (NIM) in Conventional Banks in Indonesia. The sample used in this study consisted of 19 Commercial Banks. The sampling method used is non-probability sampling with the sampling technique using purposive sampling. Analysis was carried out using Data Panel Regression Analysis with a Fixed Effect model in testing hypotheses. The results showed that Bank Financial Inclusion, Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) had an effect on Net Interest Margin (NIM).
Bank merupakan sebuah lembaga keuangan yang mempunyai peranan penting bagi perekonomian suatu negara. Sebagai Agent Of Development kinerja bank perlu diperhatikan. Kinerja perbankan di Indonesia masih belum efisien. Hal ini ditunjukkan berdasarkan rasio Net Interest Margin (NIM) yang masih cukup tinggi. Tujuan dilakukannya penelitian ini adalah untuk mengetahui faktot penentu Net Interest Margin (NIM) pada Bank Umum Konvensional di Indonesia. Sampel yang digunakan dalam penelitian ini terdiri dari 19 Bank Umum. Metode pengambilan sampel yang digunakan adalah non-probability sampling dengan teknik pengambilan sampel menggunakan purposive sampling. Analisis dilakukan dengan menggunakan Analisis Regresi Data Panel dengan Fixed Effect model dalam pengujian hipotesis. Hasil penelitian menunjukkan bahwa Keuangan Inklusif Bank, Loan to Deposit Ratio (LDR) dan Capital Adequancy Ratio (CAR) berpengaruh terhadap Net Interest Margin (NIM).
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