Determinants of Regional Development Banks’ Net Interest Margin in Indonesia with NPL as Intervening Variable
Keywords:
Net Interest Margin, Non Performing Loan, Asset Growth, Inflation, Gross Domestic Product Growth, Regional Development Bank.Abstract
Banks as a driver of the national economy of a country should in a right condition to be able to run their intermediation function properly. One of the bank's performance and health level assessments can use NIM. The banking NIM in Indonesia is being the highest in among the ASEAN countries. The aim at this study is to examine and provide empirical evidence of determinants of NIM either from internal factors such as AG or external factors such as inflation and GDPG and NPL's role as an intervening variable. The location of this study is RDB throughout Indonesia, in particular using data onto 2013 to 2017. The technique of determining the sample used was purposive sampling technique, so obtained as many as 19 RDB with a total of 95 data observations. The analysis technique used was path analysis with software SmartPLS version 3.2.7. The results showed that AG had a negative effect on NPL, conversely Inflation and GDPG had no effect on NPL. In the meantime, Inflation had a positive effect on NIM, however NPL have a negative effect on NIM, conversely AG and GDPG had no effect on NIM. Furthermore, the NPL mediates the effect of AG on the NIM, however the NPL does not mediate the effect of Inflation and GDPG on the NIM.
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