Analisis Pengaruh Net Interest Margin (NIM) Dan Biaya Operasional Terhadap Pendapatan Operasional (BOPO) Terhadap Kinerja Keuangan Pada Bank Pembangunan Daerah (BPD) Indonesia

Abstract

The research aims to examine and analyze the effects of Net Interest Margin (NIM) and Operational Cost to Operating Income (BOPO) to Financial Performance. Secondary data were obtained from published annual reports of BPD Indonesia that derived from BPD Indonesia’website covering the priod of 2015 until 2020. The result of this research shows that the data has fulfill the classical assumption, such as: no multicolinearity, no autocorrelation, no heteroscedasticity and distributed normally. From the regression analysis, found that partially Net Interest Margin (NIM) and Operational Cost to Operating Income (BOPO) have a significant to Financial Performance of BPD Indonesia. From the research also known that those two variables (NIM and BOPO) simoultaneously have an influence to financial performance of BPD Indonesia