Sinaga, Vita Marceline and Tri Wahyudi, SE.,MEc.,Ph.D (2023) Detemian Net Interest Margin Perbankan Di Indonesia (Studi Kasus :Bank Bri). Sarjana thesis, Universitas Brawijaya.
Abstract
Perkembangan Net Interest Margin (NIM) Perbankan Di Indonesia mneunjukan nilai yang tinggi diantara negara ASEAN lainnya. Nilai rasio NIM yang tinggi tidak menunjukan bahwa kondisi bank tersebut baik. Bank Indonesia memiliki targen NIM dengan rentang nilai 3%-4%. Namun, kenyataannya untuk kasus bank BUMN belum ada yang dapat mencapai target Bank Indonesia. Pengaruh faktor internal maupun eksternal bank memiliki andil yang cukup besar untuk nilai NIM. Penelitian ini bertujuan menganalisis determinan net interest margin perbankan Indonesia dengan menggunaan studi kasus Bank BRI. Penelitian ini merupakan penelitian kuantitatif dengan sumber data sekunder berasal dari laporan keuangan perusahaan. Metedo analisis yang digunakan adalah two stage least square (TSLS). Hasil penelitian menunjukan bahwa varibel NPL, LDR, CAR, serta DPK berpengaruh signifikan terhadap NIM. Sedangkan, BOPO dan SBK tidak berpengaruh signifikan terhadap NIM.
English Abstract
The development of banking Net Interest Margin (NIM) in Indonesia shows a high value among other ASEAN countries. A high NIM ratio value does not indicate that the bank's condition is good. Bank Indonesia has a NIM target with a value range of 3% -4%. However, in reality, in the case of state-owned banks, no one has been able to achieve Bank Indonesia's target. The influence of bank internal and external factors has a significant contribution to the value of NIM. This study aims to analyze the determinants of the net interest margin of Indonesian banking by using a case study of Bank BRI. This research is a quantitative research with secondary data sources derived from the company's financial statements. The analytical method used is the two stage least square (TSLS). The results showed that the variables NPL, LDR, CAR, and deposits had a significant effect on NIM. Meanwhile, BOPO and SBK have no significant effect on NIM.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020699 |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 25 Jan 2024 02:25 |
| Last Modified: | 25 Jan 2024 02:25 |
| URI: | http://repository.ub.ac.id/id/eprint/210834 |
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Text (DALAM MASA EMBARGO)
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