The Effect of Loan to Deposit Ration, BOPO, Non-Perform- Loan, and Net Interest Margin Against Lending Rate Base

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Herman Kristyono

Abstract

This research was conducted to determine the effect of LDR, BOPO, NPL. NIM to BLR. The main purpose of this study was to analyze the influence of Loan to Deposit Ratio (LDR), BOPO, Non-Performing Loans (NPL) and Net Interest Margin (NIMI) for determining Corporate Base Lending Rate (BLR). Secondary data sources were taken from the Financial Services Authority (OJK). The sampling technique uses pur-posive sampling at Government Banks in Indonesia every quarter from 2013 to 2018. The data analysis technique uses panel data. Based on research shows that simulta-neously Loan To Deposit Ratio (LDR), BOPO, Non-Performing Loan (NPL) and Net Interest Margin (NIMI) variables significantly influence the Base Lending Rate (BLR) at a confidence level of 37.92%. In addition, the values shown by the coefficient of determination indicate that the Loan to Deposit Ratio has a significant positive effect on the Base Lending Rate (BLR), BOPO has a significantly positive effect on the Base lending rate, the Non-Performing Loan (NPL) has a negative effect on the Base Lending Rate (BLR), Net Interest Margin (NIM) have a significant negative effect on the Base Lending Rate (BLR).

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