Worotikan, Stefy Agnestasia (2017) Determinan Net Interest Margin (Nim) Bank Umum Konvensional Go Public. Masters thesis, STIE Perbanas Surabaya.
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Abstract
The purpose of this study was to examine the factors that affect the net interest margin of Go public in the period 2010-2014. There are seven banking companies in the research samples, the data were obtained from the Annual Report of the Bank is determined by Bank Indonesia. Methods of data analysis used linear regression analysis and hypothesis testing using t-statistic and fstatistics at 5% significance level. Based on the statistical test t indicate that the Loan-to-deposit ratio and operating expenses to operating income has a significant effect on the net interest margin. Meanwhile, non-performing loans, capital adequacy ratio, size, and IRR does not significantly affect the net interest margin. In addition, the normality test and includes classical assumption multicollinearity, heteroscedasticity test and autocorrelation test. During the observation period of the study indicate that the data are normally distributed. Based multicollinearity, heteroscedasticity test and found no deviation from the classical assumption, it indicates that the available data are qualified to use a multiple linear regression model. F test results shows all the variables simultaneously - each has a significant effect on the bank's net interest margin will be public. So that the bank is expected to consider the factors affecting the banking net interest margin more efficient performance. Keywords : CAR, NPL, BOPO, IRR, LDR,Size, NIM.
Item Type: | Thesis (Masters) |
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Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
Divisions: | Magister of Management |
Depositing User: | Perpustakaan Universitas Hayam Wuruk Perbanas |
Date Deposited: | 08 Feb 2021 08:06 |
Last Modified: | 08 Feb 2021 08:06 |
URI: | http://eprints.perbanas.ac.id/id/eprint/6020 |
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