Strategi Harga Dan Pengelolaan Kredit Terhadap NIM Bank DKI Periode 2006 - 2009

Mulyo, R. Kunto Aji (2011) Strategi Harga Dan Pengelolaan Kredit Terhadap NIM Bank DKI Periode 2006 - 2009. S1 thesis, STIE Indonesia Banking School.

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Abstract

The activity of bank includes funding, lending and service can increase cost and profit for bank. The company goal is to get profit, therefore bank have to implement some operational strategic such as bank marketing management. This research focused on price strategic, based on funding rate and lending rate variable. On conventional or commercial bank, price strategic is rate. Buying price is funding rate and sold price is lending rate. The difference of buying price and sold price indicated that spread based. The research was aimed to analyze: 1. the influence of funding rate (X1) on Bank DKI Net Interest Margin; 2. the influence of lending rate (X2) on Bank DKI Net Interest Margin; 3. the influence of non performing loan (X3) on Bank DKI Net Interest Margin; 4. the influence of SBI rate (X4) on Bank DKI Net Interest Margin; 5. the independent variables consisted of funding rate, lending rate, nonperforming loan, and SBI rate jointly have a significant influence on Bank DKI Net Interest Margin. The research method is quantitative, and the data was collected such as the monthly Bank DKI financial report, begin in January of 2006 until December of 2009. To determine the influence of the independent variables on the dependent variable used multiple regression analysis. The research results showed that as partially, the funding rate (X1), lending rate (X2), non performing loan (X3), and SBI rate (X4) have a significant influence on Bank DKI Net Interest Margin (Y). Similarly, as jointly, the funding rate, lending rate, nonperforming loan, and SBI rates have a significant influence on Bank DKI Net Interest Margin. The research results showed the model of multiple regressions is: NIM = 8.168 -0.270 funding rate + 0.149 lending rate – 0.278 non performing loan – 0.180 SBI rate. The determination coefficient value is 32.6%, while 67.4% were influenced by other factors outside the model. This result indicates that the variation of variables such as funding rate, lending rate, nonperforming loans, and SBI rate is relevant to used as a prediction in getting Bank DKI Net Interest Margin.Keywords : funding rate, lending rate, non performing loan (NPL), SBI Rate, and net interest margin (NIM

Item Type: Thesis (S1)
Subjects: H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions: KODEPRODI61201#Manajemen
Depositing User: Mrs. Deli Apsa
Date Deposited: 07 Oct 2020 04:27
Last Modified: 07 Oct 2020 04:27
URI: http://repository.ibs.ac.id/id/eprint/1506

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