Determinan Net Interest Margin Pada Perbankan di Indonesia

Dede Djuniardi

Sari


Banking plays an important role in the country's economy. Economic growth is always accompanied by growth in the financial and banking sectors. ASEAN regional cooperation that leads to economic integration encourages banking liberalization so that banking competition increases. One of the competitive factors is Net Interest Margin. The banking NIM in Indonesia is above the banking NIM in other ASEAN countries. This study examines several factors that shape the banking NIM in Indonesia. The results showed that Net Interest Income, Cost to Income Ratio, Bank Size and Economic Growth was significant to the formation of NIMs. While net loans to deposit ratio and inflation are not significant.


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Referensi


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