[Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi Net
Interest Margin pada Bank-bank Umum yang terdaftar di Bursa Efek Indonesia
(BEI) pada tahun 2010-2014. Data yang digunakan merupakan data sekunder
yang diperoleh dari situs Bank Indonesia. Sampel yang digunakan berjumlah 31
bank umum. Penelitian ini menggunakan metode panel regression. Hasil
penelitian menunjukkan bahwa operating cost (OC) memiliki pengaruh signifikan
positif terhadap net interest margin sedangkan risk aversion (K_A), non
performing loan (NPL), size of operation (SIZE), opportunity cost (OPPCOST),
dan quality of management (QUALITY) memiliki pengaruh signifikan negatif
terhadap net interest margin (NIM)., This study aims to determine Net Interest Margin at commercial banks listed in
the Indonesia Stock Exchange (IDX) in 2010-2014. The secondary data was taken
from Bank Indonesia website, the sample were 31 banks which listed in IDX. This
study uses panel regression. The results showed that operating cost (OC) has a
positive significant influence on the net nterest margin (NIM). While the risk
aversion (K_A), non performing loan (NPL), size of operation (SIZE), opportunity
cost (OPPCOST) and quality of management (QUALITY) have a negative
significant relationship with net interest margin (NIM).]