| dc.description.abstract | PT Bank Danamon Indonesia Tbk is one of the private bank which was established on July 16, 1956 in Jakarta, Indonesia. Credit which distributed to the public contain the potential losses due to low quality borrowers and uncertainly banking economic situation. Expansion of bank credit will play the interest rate in order to improve profitability, especially of interest income. The Bank should maintain a good interest rate deposits or loans that compete with other banks so that customers layalitas can be awake. Loan to deposit ratio (LDR) is the ratio of total loans to deposits. On the other hand, the bank must provide a minimum capital adequacy to protect the assets that contain or produce risk. Banks need to control the problem loans and capital controls are appropriate to minimize losses and increase profits of the bank. The purpose of this study were (1) analyze the development of Non-Performing Loans, Capital Adequacy Ratio, Loan to Deposit Ratio, the interest rate margin and net interest margin, (2) to analyze the effect of NPL, CAR, LDR, and margin interest rates to NIM, ( 3) Estimated NPL data, CAR, LDR, margin interest and NIM in the future. Data that used in this research is secondary data. The analytical method used in this study is classical assumption of regression, multiple linear regression analysis, F test, and forecasting with ARIMA method. The results obtained are: (1) During the years 2002 to 2007, the NPL is relatively increased. CAR steadily declining until the year 2008 and increased again in the year 2009. Relatively LDR was increased, the margin interest rate increased in 2002 until 2004, then declined until 2006. Margin interest rates climbed back up to the year 2009. NIM relative increase since first quarter 2002 to fourth quarter 2009, (2) NPL, CAR, LDR, margin interest rates simultaneously affect the NIM at 75.3% while 24.7% are influenced by factors outside the study. (3) Forecasting using ARIMA method produces a relatively increased NPLs, which is relatively decreased CAR, LDR relative decline, margin interest rates relative to increase and NIM is relatively increased. Managerial implications associated with the financing, banks need to increase lending to be vigilant in the community by improving credit monitoring intensively. Providing capital to bear risk assets, keeping bank liquidity remained at a safe position, is also concerned about interest rate movements that occurred in Indonesia to improve competitiveness and customer loyalty. Importance of risk management to manage risks that might arise from banking activities and minimize the losses that might occur in the future. | en |
