PENGARUH RASIO PENYALURAN KREDIT, RASIO DANA MURAH, RASIO EFISIENSI TERHADAP NET INTEREST MARGIN DENGAN KUALITAS KREDIT SEBAGAI MODERASI DI MASA SEBELUM DAN PADA MASA PANDEMI COVID-19 (Studi Kasus Industri Bank Konvensional Periode 2017-2022)

Fauziah, Ulfah Nurillahi (2024) PENGARUH RASIO PENYALURAN KREDIT, RASIO DANA MURAH, RASIO EFISIENSI TERHADAP NET INTEREST MARGIN DENGAN KUALITAS KREDIT SEBAGAI MODERASI DI MASA SEBELUM DAN PADA MASA PANDEMI COVID-19 (Studi Kasus Industri Bank Konvensional Periode 2017-2022). S2 thesis, Universitas Mercu Buana - Menteng.

[img] Text (COVER)
55521110025-Ulfah Nurillahi Fauziah-01 Cover - Ulfah Nurillahi.pdf
Download (829kB)
[img] Text (BAB I)
55521110025-Ulfah Nurillahi Fauziah-02 Bab 1 - Ulfah Nurillahi.pdf
Restricted to Registered users only
Download (162kB)
[img] Text (BAB II)
55521110025-Ulfah Nurillahi Fauziah-03 Bab 2 - Ulfah Nurillahi.pdf
Restricted to Registered users only
Download (342kB)
[img] Text (BAB III)
55521110025-Ulfah Nurillahi Fauziah-04 Bab 3 - Ulfah Nurillahi.pdf
Restricted to Registered users only
Download (346kB)
[img] Text (BAB IV)
55521110025-Ulfah Nurillahi Fauziah-05 Bab 4 - Ulfah Nurillahi.pdf
Restricted to Registered users only
Download (392kB)
[img] Text (BAB V)
55521110025-Ulfah Nurillahi Fauziah-06 Bab 5 - Ulfah Nurillahi.pdf
Restricted to Registered users only
Download (132kB)
[img] Text (DAFTAR PUSTAKA)
55521110025-Ulfah Nurillahi Fauziah-08 Daftar Pustaka - Ulfah Nurillahi.pdf
Restricted to Registered users only
Download (156kB)
[img] Text (LAMPIRAN)
55521110025-Ulfah Nurillahi Fauziah-09 Lampiran - Ulfah Nurillahi.pdf
Restricted to Registered users only
Download (140kB)

Abstract

Penelitian ini menggunakan kualitas kredit sebagai moderasi untuk mengetahui Analisa Pengaruh Rasio Penyaluran Kredit, Rasio Dana Murah, Rasio Efisiensi Terhadap Net Interest Margin. Penelitian kuantitatif ini menggunakan data sekunder yang diperoleh dan dapat diakses melalui website Bursa Efek Indonesia. Sampel untuk penelitian ini terdiri dari 46 perusahaan industri bank konvensional. Penelitian ini menggunakan purposive sampling untuk memilih sampel yang diinginkan. Metode analisis penelitian ini menggunakan analisis regresi linier dan analisis regresi moderated sebagai alat analisis pada Eviews 13. Hasil penelitian ini menunjukkan bahwa (1) Penyaluran Kredit tidak berpengaruh terhadap Net Interest Margin pada Periode 2017-2019 sedangkan Penyaluran Kredit berpengaruh terhadap Net Interest Margin pada Periode 2020- 2022. (2) Rasio Dana Murah tidak berpengaruh terhadap Net Interest Margin pada Periode 2017-2019 maupun pada Periode 2020-2022. (3) Rasio Efisiensi berpengaruh terhadap Net Interest Margin pada Periode Penelitian 2017-2019 begitupun pada Periode 2020-2022. (4) Kualitas Kredit tidak berpengaruh terhadap Net Interest Margin pada Periode 2017-2019, sedangkan Kualitas Kredit berpengaruh terhadap Net Interest Margin pada Periode 2020-2022. (5) Kualitas Kredit dapat memoderasi pengaruh Penyaluran Kredit terhadap Net Interest Margin baik pada Periode 2017-2019 maupun pada Periode 2020-2022. (6) Kualitas Kredit dapat memoderasi pengaruh Rasio Dana Murah terhadap Net Interest Margin baik pada Periode 2017-2019 maupun pada Periode 2020-2022. (7) Kualitas Kredit dapat memoderasi pengaruh Rasio Efisiensi terhadap Net Interest Margin baik pada Periode Penelitian 2017-2019 maupun pada Periode Penelitian 2020-2022 This research uses credit quality as a moderation to determine the analysis of the influence of the credit distribution ratio, cheap funds ratio, efficiency ratio on net interest margin. This quantitative research uses secondary data obtained and can be accessed via the Indonesia Stock Exchange website. The sample for this research consisted of 46 conventional banking industry companies. This research uses purposive sampling to select the desired sample. The analytical method for this research uses linear regression analysis and moderated regression analysis as analysis tools in Eviews 13. The results of this research show that (1) Credit Distribution has no effect on the Net Interest Margin in the 2017-2019 Period, while Credit Distribution has an effect on the Net Interest Margin in the 2020-2022 Period. (2) The Cheap Funds Ratio has no effect on the Net Interest Margin in the 2017-2019 Period or in the 2020-2022 Period. (3) The Efficiency Ratio influences the Net Interest Margin in the 2017-2019 Research Period as well as in the 2020-2022 Period. (4) Credit Quality has no effect on the Net Interest Margin in the 2017-2019 Period, while Credit Quality has an effect on the Net Interest Margin in the 2020-2022 Period. (5) Credit Quality can moderate the influence of Credit Distribution on Net Interest Margin both in the 2017-2019 Period and in the 2020-2022 Period. (6) Credit Quality can moderate the influence of the Cheap Funds Ratio on Net Interest Margin both in the 2017-2019 period and in the 2020-2022 period. (7) Credit Quality can moderate the influence of the Efficiency Ratio on Net Interest Margin both in the 2017-2019 Research Period and in the 2020-2022 Research Period

Item Type: Thesis (S2)
NIM/NIDN Creators: 55521110025
Uncontrolled Keywords: Rasio Penyaluran Kredit, Rasio Dana Murah, Rasio Efisiensi, Net Interest Margin, Kualitas Kredit Credit Distribution Ratio, Cheap Funds Ratio, Efficiency Ratio, Net Interest Margin, Credit Quality.
Subjects: 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi
Divisions: Pascasarjana > Magister Akuntansi
Depositing User: SILMI KAFFA MARISKA
Date Deposited: 26 Sep 2024 04:37
Last Modified: 26 Sep 2024 04:37
URI: http://repository.mercubuana.ac.id/id/eprint/91830

Actions (login required)

View Item View Item
UMB Repository is powered by EPrints 3 which is developed by the School of Electronics and Computer Science at the University of Southampton. More information and software credits.