ANALISIS PENGARUH NPL DAN LDR TERHADAP NIM DENGAN ROA SEBAGAI INTERVENING, PENGARUH NPL TERHADAP NIM DENGAN CAR DAN ROA SEBAGAI INTERVENING, SERTA BOPO TERHADAP NIM BANK GO PUBLIC DI INDONESIA PERIODE 2011-2015
ABSTRACT: This
study aims to examine the influence of CAR, NPL, LDR to NIM with ROA as
Intervening variabel, the influence of BOPO and ROA to NIM, and the influence
of NPL to NIM with CAR and ROA as Intervening Variable.
The analysis method of this
research is Path Analysis and Sobel Test. Total sample of this research is 23
commercial banks, which is obtain through purposive sampling. The data obtained
from the official website of Otoritas Jasa Keuangan. The result of this
research shows: NPL has negatif and not significant effect on CAR and has negatif
and significant effect on ROA, however has negatif and significant effect on
NIM. ROA significantly mediatin NPL to NIM. CAR has positive and not significant
effect on ROA, and has positive and significant effect on NIM. LDR has positive
and not significant effect on ROA, and positive and significant effect on NIM.
ROA significantly mediating LDR to NIM. BOPO and ROA has positive and
significant effect on NIM.
Keyword: Net
Interest Margin (NIM), Capital Adequacy Ratio (CAR), Loan to Deposits Ratio (LDR),
Non Performing Loan (NPL), Biaya Operasional Pendapatan Operasional (BOPO),
Return on Assets (ROA).
Penulis: Sarwendah Nugrahaning P, Sugeng Wahyudi
