Pengaruh Faktor Internal Spesifik Bank Terhadap Interest Rate di Perusahaan Sektor Perbankan
<p><strong>Abstrak</strong></p><p><strong>Tujuan</strong> - Penelitian ini bertujuan untuk mengetahui pengaruh faktor spesifik internal bank terhadap <em>interest rate</em>.</p><p><strong>Desain/Metodologi/Pendekatan</strong> - Regresi data panel berganda yang digunakan untuk mengukur pengaruh faktor spesifik internal bank seperti <em>liquidity</em>, <em>operational efficiency</em>, <em>credit risk</em>, <em>capitalization</em>, dan <em>lending out ratio</em> terhadap interest rate</p><p><strong>Hasil</strong> – Penelitian ini menemukan bahwa <em>efficiency</em> dan <em>credit</em> <em>risk</em> memiliki pengaruh positif yang signifikan terhadap <em>interest rate </em>sedangkan <em>liquidity</em>, <em>capitalization</em> dan <em>lending out ratio </em>tidak berpengaruh terhadap <em>interest rate</em>.</p><p><strong>Keterbatasan/Nilai </strong>– Pengukuran <em>interest rate</em> tidak menggunakan suku bunga sbi tetapi perhitungan selisih antara suku bunga pinjaman dan suku bunga deposito.</p><p><strong> </strong></p><p><strong>Abstract</strong></p><p><strong>Proposed</strong> - This study aims to determine the effect of bank's specific internal factors on interest rates.</p><p><strong>Design/Methodology/Approach</strong> - Mutiple panel data was used to analyse bank internal specific factors, namely liquidity, operational efficiency, credit risk, capitalization, and lending out ratio to the interest rate.</p><p><strong>Result</strong> – The results of this study indicate that efficiency and credit risk have a significant positive effect on interest rates while liquidity but capitalization and lending out ratio do not affect the interest rate</p><p><strong>Novelty/Value</strong> - Interest rate measurement does not use the SBI interest rate but calculates the difference between the loan interest rate and the deposit rate.</p>