TA DIGITAL
The Effect of OER, NPL, and CAR on Profitability of Net Interest Margin (NIM) at Commercial Banks, PLC (Period: 2016-2021)
This research aims at analyzing the effect of Operational Efficiency Ratio (OER), Non Performing Loan (NPL), and Capital Adequacy Ratio (CAR) simultaneously or partially on Net Interest Margin (NIM) at Commercial Banks, PLC for the periode: 2016 2021. The number of samples consists of 4 banks obtained by using non-probability sampling technique with saturated sampling method. The data used in this research is secondary data in the form of quarterly financial statements of Commercial Banks, PLC taken from Indonesian Banking Statistics (SPI) and the official website of the Financial Services Authority (OJK) for the period: 2016 2021. The data analysis model used is multiple linear regression analysis using SPSS 28.00 software whereas the hypothesis test uses data analysis technique, namely the Coefficient of Determination (Adjusted R2), F Test, and t Test. Based on the result of Coefficient of Determination (Adjusted R2), it shows that OER, NPL, and CAR have an effect of 62.2% on NIM whereas the rest (100% - 62.2% = 37.8%) is influenced by other reasons outside the model. Based on the result of the F Test, it is found that the OER, NPL, and CAR variables simultaneously have a significant effect on NIM. Based on the results of the t Test, the NPL and CAR variables partially have a significant effect on NIM whereas the OER variable partially has no significant effect on NIM at Commercial Banks, PLC for the period: 2016-2021.
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