Net Interest Margin: Suatu Studi Literatur
Net Interest Margin: A Literature Study
DOI:
https://doi.org/10.56071/jemes.v5i2.317Keywords:
net interest margin, systematic literature review, retun on assetsAbstract
Sejak pecahnya krisis keuangan lebih dari satu dekade lalu, beberapa faktor telah mempersempit margin bunga bersih dari operasional perusahaan, yang merupakan sumber pendapatan utama khususnya di kalangan perbankan. Margin dan spread bunga bersih yang tinggi menyiratkan suku bunga pinjaman yang tinggi dan suku bunga simpanan yang relatif rendah. Net interest margin (NIM) merupakan pendapatan bunga bersih dikurangi beban bunga bersih semua dibagi dengan total asset. Penelitian ini bertujuan untuk mengetahui determinan net interest margin. Penelitian ini menggunakan metode systematic literature review. Variabel return on assets (ROA) tidak konsisten keterkaitannya dengan NIM, dimana terdapat penelitian-penelitian yang menyatakan NIM berpengaruh positif maupun negatif terhadap ROA, dan terdapat penelitian yang menyatakan tidak ada pengaruh. Hal ini perlu penelitian lebih lanjut, dengan menambahkan variabel kontrol atau moderasi.
References
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Khairi, A., Bahri, B., & Artha, B. (2021). A Literature Review of Non-Performing Loan. Journal of Business and Management Review, 2(5), 366–373. https://doi.org/10.47153/jbmr25.1402021
Kurniawan, E., & Fauziah, F. (2021). Analisis Pengaruh Net Interest Margin (NIM), Public Ownership (PO), dan Loan to Deposit Ratio (LDR) Terhadap Nilai Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia. Borneo Student Research (BSR), 2(3), 2139–2149.
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Moudud-Ul-Huq, S. (2019). Can BRICS and ASEAN-5 emerging economies benefit from bank diversification? Journal of Financial Regulation and Compliance, 27(1), 43–69. https://doi.org/10.1108/JFRC-02-2018-0026
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Sugiantari, N. L. P., & Dana, I. M. (2019). PENGARUH LOAN TO DEPOSIT RATIO, NET INTEREST MARGIN DAN INFLASI TERHADAP PROFITABILITAS. E-Jurnal Manajemen, 8(11), 6509–6532.
Sukmadewi, R. (2020). The Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Operating-Income Ratio, Non Performing Loans, Net Interest Margin on Banking Financial Performance. ECo-Buss, 2(2), 1–10. https://doi.org/10.32877/eb.v2i2.130
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Wibowo, I. A. A., Wiyono, G., & Rinofah, R. (2020). Pengaruh Risiko Likuiditas, Net Interest Margin, Dan Good Corporate Governance Terhadap Kinerja Keuangan Bank Umum. Modus, 32(1), 53–65.
Yuliani, N. W. E., Purnami, A. A. S., & Wulandari, I. G. A. A. (2020). Pengaruh Capital Adequancy Ratio, Net Interest Margin,Biaya Operasional Pendapatan Operasional Dan Loan Deposit Ratio Terhadap Non Performing Loan Di Pt. Bank Pembangunan Daerah Bali Tahun 2009 – 2017. Warmadewa Economic Development Journal (WEDJ), 3(1), 10–20. https://doi.org/10.22225/wedj.3.1.1590.10-20
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Al-muharrami, S., & Murthy, Y. S. R. (2017). Interest banking spreads in Oman and Arab GCC. International Journal of Emerging Markets, 12(3), 532–549. https://doi.org/10.1108/IJoEM-02-2016-0033
Artha, B., & Jufri, A. (2021). BOARD GENDER DIVERSITY: SUATU TELAAH PUSTAKA. Jurnal Proaksi, 8(1), 193–200.
Asna Widyanto, D., Wibowo Agung, R. E., & . A. (2020). Analisis Faktor-Faktor yang Mempengaruhi Net Interest Margin Pada Perusahaan Perbankan yang Terdaftar Di Bursa Efek Indonesia Periode 2012-2016. Maksimum, 10(1), 95. https://doi.org/10.26714/mki.10.1.2020.95-105
Astohar, Rahmadhani Sari, & Nurlita, D. (2019). Faktor Yang Berpengaruh Terhadap Profitabilitas Dengan Net Interest Margin Sebagai Variabel Intervening Pada Bank Perkreditan Rakyat Di Indonesia. Among Makarti, 12(24), 70–89.
Berliani, B., & Kurniasih, A. (2020). Pengaruh variabel makroekonomi terhadap net interest margin industri perbankan terdaftar di bursa efek indonesia (bei). Urnal Pendidikan & Budaya WARTA PENDIDIKAN, iv(46), 32–38.
Chandra, C., Silalahi, J., Manalu, K. S., Claudya, T. P., Tulungan, T., & Vania, V. (2019). Pengaruh BI Rate, Dana Pihak Ketiga, Net Interest Margin, terhadap Laba Bersih di Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2013-2016. Owner, 3(2), 195. https://doi.org/10.33395/owner.v3i2.126
Cruz-García, P., Forte, A., & Peiró-Palomino, J. (2020). On the drivers of profitability in the banking industry in restructuring times: a Bayesian perspective. Applied Economic Analysis, 28(83), 111–131. https://doi.org/10.1108/AEA-01-2020-0003
Dwumfour, R. A. (2019). Explaining banking spread. Journal of Financial Economic Policy, 11(1), 139–156. https://doi.org/10.1108/JFEP-02-2018-0031
Floerkemeier, H., & Dabla-Norris, E. (2007). Bank Efficiency and Market Structure: What Determines Banking Spreads in Armenia? In IMF Working Papers (Vol. 07, Issue 134). https://doi.org/10.5089/9781451866988.001
Gultom, K., Sihombing, D. Y., & Hutahaean, T. F. (2021). Pengaruh Quick Ratio ( Qr ), Net Interest Margin ( Nim ), Loan To Deposit Ratio ( Ldr ), Dan Capital Adequacy Ratio ( Car ) Terhadap Profitabilitas Pada Perusahaan Jasa Subsektor Perbankan Yang Terdaftar Di Bursa Efek Indonesia Tahun 2016 – 2019. JIMEA Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntasi), 5(2), 212–228.
Hidayat, A. A., & Rizkianto, E. (2020). Pengaruh Risiko Kredit Dan Risiko Likuiditas Terhadap Net Interest Margin Sesuai Pertumbuhan Ekonomi Pada Bank Umum Di Indonesia Periode 2010 - 2017. Jurnal Manajemen Dan Bisnis Sriwijaya, 17(2), 119–138. https://doi.org/10.29259/jmbs.v17i2.10110
Huang, F. W., Chen, S., & Tsai, J. Y. (2019). Optimal bank interest margin under capital regulation: bank as a liquidity provider. Journal of Financial Economic Policy, 11(2), 158–173. https://doi.org/10.1108/JFEP-12-2017-0124
Indrawan, B., & Kaniawati Dewi, R. (2020). Pengaruh Net Interest Margin (NIM) Terhadap Return on Asset (ROA) Pada PT Bank Pembangunan Daerah Jawa Barat Dan Banten Tbk Periode 2013-2017. Jurnal E-Bis (Ekonomi-Bisnis), 4(1), 78–87. https://doi.org/10.37339/e-bis.v4i1.239
Irfan, M., Suwendra, I. W., & Sujana, I. N. (2019). Pengaruh Capital Adequacy Ratio (Car), Loan To Deposit Ratio (Ldr), Dan Net Interest Margin (Nim) Terhadap Return on Assets (Roa) Pada Bank Umum Swasta Nasional Devisa Yang Terdaftar Di Bursa Efek Indonesia Tahun 2015-2017. Jurnal Pendidikan Ekonomi Undiksha, 11(1), 296. https://doi.org/10.23887/jjpe.v11i1.20162
Iskandar, Y. (2020). the Influence of Capital Adequacy Ratio, Loan-To-Deposit Ratio, and Net Interest Margin on Stock Return At Commercial Banks in Indonesia. Jurnal Aplikasi Manajemen, 18(3), 533–538. https://doi.org/10.21776/ub.jam.2020.018.03.13
Junaedi, B. (2020). ANALISIS PENGARUH LOAN TO DEPOSIT RATIO, DEBT TO EQUITY RATIO DAN RETURN ON INVESTMENT TERHADAP NET INTEREST MARGIN (STUDI KASUS PADA BANK KONVENSIONAL TAHUN 2014-2018. Jurnal Manajemen Bisnis Dan Kewirausahaan, 4(1), 73–76.
Keffala, M. R. (2019). Are Italian banks profitable by using derivatives? Evidence from the recent recession of Italian economy. Research in Finance, 35, 119–143. https://doi.org/10.1108/S0196-382120190000035006
Khairi, A., Bahri, B., & Artha, B. (2021). A Literature Review of Non-Performing Loan. Journal of Business and Management Review, 2(5), 366–373. https://doi.org/10.47153/jbmr25.1402021
Kurniawan, E., & Fauziah, F. (2021). Analisis Pengaruh Net Interest Margin (NIM), Public Ownership (PO), dan Loan to Deposit Ratio (LDR) Terhadap Nilai Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia. Borneo Student Research (BSR), 2(3), 2139–2149.
Liviawati, L., Wardi, J., & Putri, G. E. (2020). Pengaruh Car, Ldr, Npl, Ukuran Perusahaan, Net Interest Margin, Dan Tingkat Suku Bunga Terhadap Efisiensi Bank Daerah. Jurnal Daya Saing, 0761. https://www.ejournal.kompetif.com/index.php/dayasaing/article/view/521%0Ahttps://www.ejournal.kompetif.com/index.php/dayasaing/article/download/521/430
Moorcy, N. H. (2020). Pengaruh Capital Adequasy Ratio, Net Interest Marin, dan Loan to Deposit Ratio terhadap Return On Assets pada PT. Bank BNI (Persero), Tbk. Jurnal GeoEkonomi, 11(2), 164–175.
Moudud-Ul-Huq, S. (2019). Can BRICS and ASEAN-5 emerging economies benefit from bank diversification? Journal of Financial Regulation and Compliance, 27(1), 43–69. https://doi.org/10.1108/JFRC-02-2018-0026
Munir Yapi. (2019). Pengaruh Return On Equity, Return On Investment, Loan Deposit Ratio, Net Interest Margin, Biaya Operasional Pendapatan Operasional, Net Profit Margin Terhadap Harga Saham. Jurnal Ilmiah Kohesi, Vol. 16, N, 393–399.
Murdiyanto, A. (2020). Pengaruh Loan To Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM) dan Biaya Operasional Dibanding Pendapatan Operasional (BOPO) Terhadap Return On Asset (ROA) (Studi Bank Umum Konvensional tahun 2013 - 2019). Dinamika Akuntansi, Keuangan Dan Perbankan, 9(8500), 1–12.
Putri, Y. L., Tanjung, A. R., & Savitri, E. (2019). Analisis Pengaruh Tingkat Kesehatan Bank terhadap Perubahan Laba dengan Net Interest Margin (NIM) sebagai Variabel Intervening pada Bank Umum yang Terdaftar di BEI Periode 2013-2017. Jurnal Ekonomi, 27(3), 293–304. http://je.ejournal.unri.ac.id/
Sahyouni, A., & Wang, M. (2019). Liquidity creation and bank performance: evidence from MENA. ISRA International Journal of Islamic Finance, 11(1), 27–45. https://doi.org/10.1108/IJIF-01-2018-0009
Sari, P. P., Putra, A. P., & Rinofah, R. (2020). Granger Causality Test of Net Interest Margin and Liquidity. Jurnal Analisis Bisnis Ekonomi, 18(2), 111–122. https://doi.org/10.31603/bisnisekonomi.v18i2.3821
Sarpong-Kumankoma, E., Abor, J., Aboagye, A. Q. Q., & Amidu, M. (2020). Financial freedom, market power and bank margins in sub-Saharan Africa. Journal of Financial Regulation and Compliance, 28(2), 283–299. https://doi.org/10.1108/JFRC-05-2019-0066
Setiawan, A. A., & Supadmi, N. L. (2019). PENGARUH BI RATE , OPERATIONAL EFFICIENCY RATIO , CAPITAL ADEQUACY RATIO , NET INTEREST MARGIN , DAN NON PERFORMING LOAN PADA RENTABILITAS Fakultas Ekonomi dan Bisnis Universitas Udayana ( Unud ), Bali , Indonesia PENDAHULUAN Industri tperbankan tmemiliki. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 8(9), 1093–1122.
Setiawan, R. (2019). Determinant Net Interest Margin Pada Bank Perkreditan Rakyat Indonesia. Jurnal Riset Bisnis Dan Manajemen, 12(2), 50–58. https://doi.org/10.23969/jrbm.v12i2.1666
Shawtari, F. A., Ariff, M., & Abdul Razak, S. H. (2019). Efficiency and bank margins: a comparative analysis of Islamic and conventional banks in Yemen. Journal of Islamic Accounting and Business Research, 10(1), 50–72. https://doi.org/10.1108/JIABR-07-2015-0033
Siregar, S. L., Simanjuntak, J., Ndruru, F., & Adam, H. (2021). Pengaruh Capital Adequacy Ratio (Car), Non Performing Loan (Npl), Biaya Operasional Dan Pendapatan Operasional (Bopo), Net Interest Margin (Nim) Dan Quick Ratio (Qr) Terhadap Return on Asset (Roa) Pada Perusahaan Perbankan. JIMEA Jurnal Ilmiah MEA (Manajemen, Ekonomi, Dan Akuntasi), 5(2), 345–363.
Snyder, H. (2019). Literature review as a research methodology: An overview and guidelines. Journal of Business Research, 104(August), 333–339. https://doi.org/10.1016/j.jbusres.2019.07.039
Sugiantari, N. L. P., & Dana, I. M. (2019). PENGARUH LOAN TO DEPOSIT RATIO, NET INTEREST MARGIN DAN INFLASI TERHADAP PROFITABILITAS. E-Jurnal Manajemen, 8(11), 6509–6532.
Sukmadewi, R. (2020). The Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, Operating-Income Ratio, Non Performing Loans, Net Interest Margin on Banking Financial Performance. ECo-Buss, 2(2), 1–10. https://doi.org/10.32877/eb.v2i2.130
Sunaryo, D. (2020). The Effect Of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Loan To Deposit Ratio (LDR) Against Return On Asset (ROA) In General Banks In Southeast Asia 2012-2018. Ilomata International Journal of Management, 1(4), 149–158. https://doi.org/10.52728/ijjm.v1i4.110
Supriatini, K. A., & Sulindawati, N. L. G. E. (2021). Non Performing Loan, Loan to Deposit Ratio, Good Corporate Governance, Net Interest Margin, Return on Assets, Capital
Adequacy Ratio dan Economic Value Added Terhadap Harga Saham. Ekuitas: Jurnal Pendidikan Ekonomi, 9(1), 50. https://doi.org/10.23887/ekuitas.v9i1.26756
Taslim, S. A., & Manda, G. S. (2021). Pengaruh Net Interest Margin, Non Performing Loan, Dan Capital Adequacy Ratio Terhadap Harga Saham. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 10(7), 612. https://doi.org/10.24843/eeb.2021.v10.i07.p04
Wibowo, I. A. A., Wiyono, G., & Rinofah, R. (2020). Pengaruh Risiko Likuiditas, Net Interest Margin, Dan Good Corporate Governance Terhadap Kinerja Keuangan Bank Umum. Modus, 32(1), 53–65.
Yuliani, N. W. E., Purnami, A. A. S., & Wulandari, I. G. A. A. (2020). Pengaruh Capital Adequancy Ratio, Net Interest Margin,Biaya Operasional Pendapatan Operasional Dan Loan Deposit Ratio Terhadap Non Performing Loan Di Pt. Bank Pembangunan Daerah Bali Tahun 2009 – 2017. Warmadewa Economic Development Journal (WEDJ), 3(1), 10–20. https://doi.org/10.22225/wedj.3.1.1590.10-20
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Published
2022-07-22
How to Cite
Artha, B., Tunjung Sari, U., Bahri, & Khairi, A. (2022). Net Interest Margin: Suatu Studi Literatur: Net Interest Margin: A Literature Study. JEMeS - Jurnal Ekonomi Manajemen Dan Sosial, 5(2), 60–69. https://doi.org/10.56071/jemes.v5i2.317
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