PENGARUH FAKTOR INTERNAL DAN EKSTERNAL BANK TERHADAP NET INTEREST MARGIN DI INDONESIA
ABSTRACT: This study aims to examine the influence of
internal bank’s factors (Equity to Asset Ratio, Loan to Deposit Ratio,
Non-PerformingLoan, Bank size, BOPO) and external bank’s factors (GDP growth
and inflation) to Net Interest Margin at commercial banks on Indonesia Stock
Exchange period 2013-2015. Multiple Linear RegressionAnalysis was used as an
analytical technique. The studysample consisted of 41 commercial banks which
were taken by census method where the overall population become sample.
Financial statements of the commercial banks were used as a source of the
secondary data in this study. The result of the internal factor showed that EA,
LDR, Bank Size and BOPO have positive effect on NIM but NPL doesn’t have
significant effect on NIM while the external factors both of GDP growth and
Inflation don’t have significant effect on NIM. The slow growth of economic in
Indonesia and the NIM fluctuation during the study period are the background of
this study result.
KEYWORDS: internal factors,
external factors, NIM
Penulis: Gusti Ayu Putu Indah
Lestari Dewi, Nyoman Triaryati
Kode Jurnal: jpmanajemendd170125
