Determinan Analysis of Net Interest Margin and Banking Profitability in Indonesia

Ferdiansyah Artha Putra | Dedi Budiman Hakim ^[2] | Martua Eliakim Tambunan

Abstract: This study aims to analyze the factors that influence the net interest margin and profitability of Indonesian banks caused by liquidity, the level of problem loans, non-interest income, efficiency and asset growth. This type of research is a descriptive study with secondary data. Analysis of the data used using the method of multiple linear regression analysis with time series periods of the period 2014 - 2018 multiple linear analysis method is used to see the factors that affect the net interest margin and profitability of Indonesian banks. All of the data processing in this study uses the Eviews 10 and SPSS 26 measurement tools. From this study it was found that net interest margins affect liquidity and levels of problem loans and profitability is influenced by net interest margins, efficiency and levels of problem loans.

Keywords: Profitabilitas, net interert margin, Indonesian Of Banking

Edition: Volume 9 Issue 1, January 2020,

Pages: 174 - 180