Pengaruh CAR, LDR, EQA, BOPO, NPL Dan COF Terhadap Nim (Studi Empiris Pada Bank Umum Yang Terdaftar Di BEI
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Noviliasari, -
Subject
H Social Sciences (General)
Datestamp
2024-02-19 05:54:29
Abstract :
As Agent of Development on commercial banks in Indonesia, the banks haven?t shown their maximum performance yet. It is shown from Net Interest Margin which is over than Indonesia Banking Standard (1,5%-2%). It raised credit?s interest rate up, so society can?t use it. The highest of Net Interest Margin indicates that income of banking is high, but their efficient is low. The purpose of this research is to identify the influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Equity to Assets (EQA), Operating Expenses to Operating Income Ratio (BOPO), Non Performing Loan (NPL) and Cost of Fund (COF) to Net Interst Margin (NIM), on commercial banks which are listed on Indonesian Stock Exchange in the period of 2006 until 2010. This research uses 16 commercial banks as samples with Purposive Random Sampling methods. Data analysis technique used is multiple regression analysis. The results show that Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) have positive effect to Net Interest Margin (NIM), Operating Expenses to Operating Income Ratio (BOPO) has negative effect to Net Interest Margin (NIM) while Capital Adequacy Ratio (CAR), Equity to Assets (EQA) and Cost of Fund (COF) have no significant effect to Net Interest Margin (NIM).
As Agent of Development on commercial banks in Indonesia, the banks haven?t shown their maximum performance yet. It is shown from Net Interest Margin which is over than Indonesia Banking Standard (1,5%-2%). It raised credit?s interest rate up, so society can?t use it. The highest of Net Interest Margin indicates that income of banking is high, but their efficient is low. The purpose of this research is to identify the influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Equity to Assets (EQA), Operating Expenses to Operating Income Ratio (BOPO), Non Performing Loan (NPL) and Cost of Fund (COF) to Net Interst Margin (NIM), on commercial banks which are listed on Indonesian Stock Exchange in the period of 2006 until 2010. This research uses 16 commercial banks as samples with Purposive Random Sampling methods. Data analysis technique used is multiple regression analysis. The results show that Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) have positive effect to Net Interest Margin (NIM), Operating Expenses to Operating Income Ratio (BOPO) has negative effect to Net Interest Margin (NIM) while Capital Adequacy Ratio (CAR), Equity to Assets (EQA) and Cost of Fund (COF) have no significant effect to Net Interest Margin (NIM).
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