文章基本信息

标题：Determinan Net Interest Margin pada Bank Perkreditan Rakyat Indonesia
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作者：Rahmat Setiawan ; Nindhita Rafianti Putri ; Adyanto Budi Rachmansyah 等
期刊名称：Jurnal Riset Bisnis dan Manajemen
印刷版ISSN：1979-0600
出版年度：2019
卷号：12
期号：2
页码：50-58
DOI：10.23969/jrbm.v12i2.1666
出版社：Universitas Pasundan
摘要：The purpose of this research is to analyze the determinants of net interest margin (NIM) at Bank Perkreditan Rakyat (BPR) or rural banks in Indonesia 2016. This research uses multiple linear regression model. Data was obtained from Infobank magazine published in July 2016-2017. This research uses 269 BPR or rural banks in Indonesia. Dependent variable in this research is Net Interest Margin (NIM). Independent variables use credit risk proxied with non-performing loan (NPL), liquidity risk proxied by loan to deposit ratio (LDR), capital adequacy proxied with capital adequacy ratio (CAR), the efficiency ratio proxied by BOPO, and bank size proxied by logarithm of total asset (SIZE). The results showed that liquidity risk, and capital adequacy have significant positive affect on net interest margin while the credit risk, efficiency ratio, and bank size affect inversely on net interest margin.
关键词：net interest margin; credit risk; liquidity risk; capital adequacy ratio; efficiency ratio; bank size