NINGSIH, WIDYA (2025) ANALISIS PENGARUH VARIABEL RISIKO EKONOMI MAKRO TERHADAP TINGKAT NET INTEREST MARGIN (NIM) BANK BUKU 3 DAN 4 (SEBELUM DAN SAAT PANDEMI COVID-19). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
The existence of the financial sector has an important role in increasing the economic growth of a country optimally if it is able to maintain and maintain the stability of the financial sector properly. In Indonesia, the financial sector is still dominated by the banking sector. This will lead to high dependence on banks as a source of the country's economy. Thus, if the banking sector cannot channel funding properly to the real sector, it will affect the slowness of economic growth. This research aims to determine the effect of inflation, exchange rate, BI 7-day (reverse) repo rate, Indonesian crude price, economic growth on net interest margin before covid-19 and during covid-19. This research was conducted on 20 book 3 banks and 9 book 4 banks using a quantitative approach. Data analysis using panel data regression analysis. The results showed that inflation before covid-19 had no significant effect on net interest margin while inflation during covid-19 had a significant effect on net interest margin, exchange rate before covid-19 had no significant effect on net interest margin while exchange rate during covid-19 had an effect on net interest margin, BI-7Days (reverse) repo rate, before covid-19 has no significant effect on net interest margin while the BI-7Days (reverse) repo rate at covid-19 has an effect on net interest margin, Indonesian crude price before covid-19 has a significant effect on net interest margin while Indonesian crude price at covid-19 has a significant effect on net interest margin, economic growth before covid-19 has no significant effect on net interest margin while economic growth at covid-19 has a significant effect on net interest margin. Keywords: Inflation, Exchange Rate, BI-7Days (Reverse) Repo Rate, Indonesian Crude Price, Economic Growth. Keberadaan sektor keuangan memiliki peran penting dalam meningkatkan pertumbuhan ekonomi suatu negara secara optimal apabila mampu menjaga dan memelihara kestabilan sektor keuangan tersebut dengan baik. Di Indonesia, sektor keuangan masih didominasi oleh sektor perbankan. Hal ini akan menimbulkan tingginya ketergantungan kepada perbankan sebagai sumber perekonomian negara. Dengan demikian, apabila sektor perbankan tidak dapat menyalurkan pendanaan dengan baik kepada sektor riil, maka berpengaruh terhadap kelambatan pertumbuhan ekonomi. Penelitian ini bertujuan untuk mengetahui pengaruh inflas, nilai tukar, BI 7-day (reverse) repo rate, indonesian crude price, pertumbuhan ekonomi terhadap net interest margin sebelum covid-19 dan saat covid-19. Penelitian ini dilakukan terhadap 20 bank buku 3 dan 9 bank buku 4 dengan menggunakan pendekatan kuantitatif. Analisis data menggunakan analisis regresi data panel. Hasil penelitian menunjukan bahwa inflasi sebelum covid-19 tidak berpengaruh signifikan terhadap net interest margin sedangkan inflasi saat covid19 berpengaruh signifikan terhadap net interest margin, nilai tukar sebelum covid19 tidak berpengaruh signifikan terhadap net interest margin sedangkan nilai tukar saat covid-19 berpengaruh terhadap net interest margin, BI-7Days (reverse) repo rate, sebelum covid-19 tidak berpengaruh signifikan terhafap net interest margin sedangkan saat BI-7Days (reverse) repo rate saat covid-19 berpengaruh terhadap net interest margin, indonesian crude price sebelum covid-19 berpengaruh signifikan terhadap net interest margin sedangkan indonesian crude price saat covid-19 berpengaruh signifikan terhadap net interest margin, pertumbuhan ekonomi sebelum covid-19 tidak berpengaruh signifikan terhadap net interest margin sedangkan pertumbuhan ekonomi saat covid-19 berpengaruh signifikan terhadap net interest margin. Kata kunci: Inflasi, Nilai Tukar, BI-7Days (Reverse) Repo Rate, Indonesian Crude Price, Pertumbuhan Ekonomi.
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