ANALISIS PENGARUH NPL, LDR, SENSITIVITAS KREDIT ATAS PERUBAHAN BI RATE DAN INFLASI TERHADAP NIM DENGAN STATUS KEPEMILIKAN DAN UKURAN BANK SEBAGAI VARIABEL KONTROL

Abstract

This study is performed to test the effect of NPL, LDR, sensitivity of BI rate, and sensitivity of inflationtoward NIMwith ownership status and size as control variables. The objective to analyze the effect of the bank financial ratios performance (NPL, LDR, sensitivity of BI rate, and sensitivity of inflation) toward NIM with ownership status and size as control variablesin banking industry over period 2011-2013. Sampling technique used here is pusposive sampling. The data wastakenOtoritasJasaKeuangan (OJK). It is gained sample amount of 95 data. The analysis technique used here is multiple regression with the least square difference and hypothesis test using t-statistic to examine partial regression coefficient and f-statistic to examine the mean of mutual effect with level of significance 5%. In addition, classical assumption is also performed including normality test, multicolinearity test, heteroscedasticity test and autocorrelation test. The result showsNPL and LDRto have influence toward NIM at level of significance less than 5%, and sensitivity of BI rateand inflation have no influence toward NIM at level of significance more than 5%.