NGAJI, FRANSISKUS (2020) PENGARUH FAKTOR SPESIFIK BANK TERHADAP NET INTEREST MARGIN (NIM) INDUSTRI PERBANKAN PERIODE 2008-2017. S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to analyze the effect of bank specific factors on the Bank's net interest margin. The population in this study were 26 banks listed on the Indonesia Stock Exchange. The sample used was 26 banks. Data collection method that is using the method of documentation from the internet media. The data analysis method uses the Fixed Effect Model (FEM). This study proves that statistically variable Bank size (BS), Non Performing Loans (NPL), Equity to Total Asset Ratio (EA), Loan to Deposit Ratio (LDR) and Operational Income Operating Costs (BOPO) affect the Net Interest Margin (LOP) NIM). For overall, this model cannot explain the effect of bank specific factors on bank net interest margins. Keywords: Bank Size (BS), Non Performing Loans (NPL), Equity to Total Asset Ratio (EA), Loan to Deposit Ratio (LDR), Operational Costs and Operating Income (BOPO), and Net Interest Margin (NIM) Penelitian ini bertujuan untuk menganalisis pengaruh faktor spesifik bank terhadap net interest margin Bank. Populasi dalam penelitian ini adalah 26 Bank yang terdaftar dalam Bursa Efek Indonesia. Sampel yang digunakan adalah 26 Bank. Metode pengumpulan data yaitu menggunakan metode dokumentasi dari media internet. Metode analisis data menggunakan Fixed Effect Model (FEM). Penelitian ini membuktikan bahwa secara statistic variable Bank size (BS), Non Performing Loan (NPL), Equity to Total Asset Ratio (EA), Loan to Deposit Ratio (LDR) dan Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh terhadap Net Interest Margin (NIM). Untuk secara keseluruhan model ini tidak bisa menjelaskan bahwa pengaruh faktor spesifik bank terhadap net interest margin bank. Kata Kunci : Bank Size (BS), Non Performing Loan (NPL), Equity to Total Asset Ratio (EA), Loan to Deposit Ratio (LDR), Biaya Operasional dan Pendapatan Operasional (BOPO), dan Net Interest Margin (NIM)
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