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Analisis bank specific variables dan penyebaran alokasi kredit terhadap net interest margin bank umum konvensional di Indonesia periode 2008-2011
This paper discusses the determinant of Net Interest Margin Indonesia in 2008-2011 with the two-step approach used by Saunders and Schumacher (2000) and G. Lopez-Espinosa et al. (2011). Total sample in this research amounted to 49 commercial banks. The results showed three important things that determines the NIM. First, Bank Specific Variables such as loan loss provision, liquid assets, and operating costs are consistently has a positive relationship with NIM. Second, the spread is part of NIM whose value depends on the external conditions so that bank more quickly adapt by changing the value of the spread. Finally, the spread is influenced by how the banks make the distribution of credit allocation to economic sectors. Doing diversification credit to agriculture, mining, construction, and social services had a negative relationship to the spread while diversify credit to manufacture have a positive relationship to the spread.Ada tabel
Ketersediaan
| Call Number | Location | Available |
|---|---|---|
| 8399 | PSB lt.2 - Karya Akhir | 1 |
| Penerbit | Depok: Program Studi Manajemen, Fakultas Ekonomi Universitas Indonesia 2013 |
|---|---|
| Edisi | - |
| Subjek | Commercial banks Banks and banking Diversification Net interest margin |
| ISBN/ISSN | - |
| Klasifikasi | - |
| Deskripsi Fisik | xvi, 129 p. : diagr. ; 30 cm. |
| Info Detail Spesifik | - |
| Other Version/Related | Tidak tersedia versi lain |
| Lampiran Berkas | Tidak Ada Data |