PENGARUH DANA PIHAK KETIGA, KREDIT, KREDIT BERMASALAH, DAN LIKUIDITAS TERHADAP NET INTEREST MARGIN (NIM) ANTARA BANK DEVISA DAN NON DEVISA TAHUN 2009 - 2013

HARAHAP, MUHAMMAD IHSAN (2014) PENGARUH DANA PIHAK KETIGA, KREDIT, KREDIT BERMASALAH, DAN LIKUIDITAS TERHADAP NET INTEREST MARGIN (NIM) ANTARA BANK DEVISA DAN NON DEVISA TAHUN 2009 - 2013. S1 thesis, Universitas Negeri Jakarta.

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Abstract

ABSTRACT Muhammad Ihsan Harahap, 2014; The Influence of Third Party Funds, Loans, Non-performing Loans, and Liquidity on Net Interest Margin (NIM) Among Foreign Exchange Banks and Non Foreign Exchange Banks year 2009-2013. Thesis, Jakarta: Concentration of Financial Management, Study Program of Management, Department of Management, Faculty of Economics, State University of Jakarta. The purpose of this study is to analize whether there is influence of Third Party Funds, Loans, Non-performing Loans and Liquidity in Net Interest Margin (NIM) among Foreign Exchange Banks and Non Foreign Exchange Banks year 20092013. The sample used in this study are 31 from Foreign Exchange Banks and 23 from Non Foreign Exchange Banks within year period of 2009-2013. On Foreign Exchange model used in this study, researcher used panel data regression analysis with fixed effect approach. On the other hand, researcher used panel data regression analysis with random effect approach on Non Foreign Exchange model. From the test result of these studies, it is found that on Foreign Exchange model, ratio of Demand Deposits, Saving Deposits, Time Deposits, Loans, Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) are affecting Net Interest Margin (NIM) simultaneously. Meanwhile, on Non Foreign Exchange model, ratio of Demand Deposits, Saving Deposits, Time Deposits, Loans, Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) influence Net Interest Margin (NIM) simultaneously. On Foreign Exchange model, partially, Saving deposits and NPL are significantly influence NIM and its positive. While Demand Deposits, Time Deposits, Loans and LDR don’t have significant influence on NIM where Demand Deposits and Loans are negative and Time Deposits and LDR are positive. On Non Foreign Exchange model, partially, Saving Deposits, Time Deposits, Loans, NPL, and LDR are significantly influence NIM. Where Saving Deposits, Loans, NPL, and LDR are positive and Time Deposits is negative. While Demand Deposits don’t have significant influence on NIM and its negative. Keyword: Net Interest Margin (NIM), Demand Deposits, Saving Deposits, Time Deposits, Loans, Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Foreign Exchange Banks, Non Foreign Exchange banks.

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