Faktor Penentu Net Interest Margin Perbankan Indonesia  

Oleh:

Ariyanto, Taufik

Jenis: Article from Journal - ilmiah nasional - terakreditasi DIKTI
Dalam koleksi: Jurnal Keuangan dan Perbankan: Journal of Finance dan Banking vol. 13 no. 1 (Jun. 2011), page 34-46.
Topik: Net Interest Margin; Banking; Dealer’s Model.
Fulltext: Faktor Penentu Net Interest Margin Perbankan Indonesia.pdf (294.33KB)

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ12.1 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Isi artikel

The objective of this study is to analyze the determinant of net interest margin in Indonesia using Dealer’s Model. By using OLS regression on Indonesian banking industry data series, it can be concluded that several factors such as business risk, credit risk, operational eficiency and loan performance significantly affect the net interest margin in Indonesian Banking. Unlike other study based on the same concept, this study fails to detect the relationship between market strucure and market power towards net interest margin. Therefore, based on the result, Bank Indonesia, as the Central Bank, should focus its policies toward inefficiencies and credit risks reduction. Bank Indonesia should also be able to coordinate with the Economics Minister to manage business risk, in order to push the Indonesian net interest margin for being able to achieve to its ideal level.

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