S. Mariam, Fika Aryani, Dhinda Siti Mustikasari, Abdul Haeba Ramli
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引用次数: 2
Abstract
The purpose of this study is to examine the effect of Loan Growth, Unemployment, BOPO, CAR, Inflation, and Exchange Rate in relationship with Net Interest Margin. The research object used is banking data BUKU I to BUKU IV 2009-2018 published by Financial Service Authority, known as OJK. The analysis technique used is panel data regression analysis with Eviews 9.0 analysis tool. The results showed that the variables which consist of Loan Growth, and Unemployment had a significant positive effect on Net Interest Margin. Other independent variables, which consist of BOPO and Exchange Rate had a significant negative effect on Net Interest Margin. While CAR and Inflation do not show a significant impact on Net Interest Margin.
本研究的目的是检视贷款成长、失业率、银行收支差额(BOPO)、CAR、通货膨胀和汇率对净息差的影响。使用的研究对象是金融服务管理局(OJK)发布的BUKU I至BUKU IV 2009-2018年的银行数据。分析技术为面板数据回归分析，使用Eviews 9.0分析工具。结果表明，由贷款增长和失业组成的变量对净息差有显著的正影响。其他自变量，包括BOPO和汇率对净息差有显著的负影响。而CAR和通货膨胀对净息差没有显着影响。
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