{"id":"https://openalex.org/W1661653550","doi":null,"title":"The Determinant of Commercial Banks\u2019 Interest Margin in Indonesia: An Analysis of Fixed Effect Panel Regression","display_name":"The Determinant of Commercial Banks\u2019 Interest Margin in Indonesia: An Analysis of Fixed Effect Panel Regression","publication_year":2014,"publication_date":"2014-03-07","ids":{"openalex":"https://openalex.org/W1661653550","mag":"1661653550"},"language":"en","primary_location":{"id":"pmh:oai:oai.econjournals.com:article/689","doi":null,"is_oa":true,"landing_page_url":"https://econjournals.com/index.php/ijefi/article/view/689","pdf_url":"https://econjournals.com/index.php/ijefi/article/download/689/pdf","source":{"id":"https://openalex.org/S2737777163","display_name":"International Journal of Economics and Financial Issues","issn_l":"2146-4138","issn":["2146-4138"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","norway-1"],"host_organization":"https://openalex.org/P4310318345","host_organization_name":"EconJournals","host_organization_lineage":["https://openalex.org/P4310318345"],"host_organization_lineage_names":["EconJournals"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2146-4138","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","indexed_in":["doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://econjournals.com/index.php/ijefi/article/download/689/pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5050735203","display_name":"Pamuji Gesang Raharjo","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I21881038","display_name":"IPB University","ror":"https://ror.org/05smgpd89","country_code":"ID","type":"education","lineage":["https://openalex.org/I21881038"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Pamuji Gesang Raharjo","raw_affiliation_strings":["Bogor Agriculture University, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Bogor Agriculture University, Indonesia","institution_ids":["https://openalex.org/I21881038"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5039986838","display_name":"Dedi Budiman Hakim","orcid":"https://orcid.org/0000-0002-8137-5159","observed_orcids":["https://orcid.org/0000-0002-8137-5159"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Dedi Budiman Hakim","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0002-8137-5159","affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5074597721","display_name":"Adler Haymans Manurung","orcid":"https://orcid.org/0000-0002-6212-0214","observed_orcids":["https://orcid.org/0000-0002-6212-0214","https://orcid.org/0009-0005-6716-5605"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Adler Haymans Manurung","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0002-6212-0214","affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5104112076","display_name":"Tubagus Nur Ahmad Maulana","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Tubagus Nur Ahmad Maulana","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":{"value":300,"currency":"USD","value_usd":300},"apc_paid":{"value":300,"currency":"USD","value_usd":300},"fwci":8.5415,"has_fulltext":true,"cited_by_count":63,"citation_normalized_percentile":{"value":0.97187515,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":"4","issue":"2","first_page":"295","last_page":"308"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9761000275611877,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9761000275611877,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.020400000736117363,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.0010000000474974513,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/net-interest-margin","display_name":"net interest margin","score":0.9480000138282776},{"id":"https://openalex.org/keywords/commercial-banks","display_name":"commercial banks","score":0.9940000176429749},{"id":"https://openalex.org/keywords/bank-profitability","display_name":"bank profitability","score":0.7080000042915344},{"id":"https://openalex.org/keywords/bank-efficiency","display_name":"bank efficiency","score":0.8939999938011169},{"id":"https://openalex.org/keywords/capital-adequacy","display_name":"capital adequacy","score":0.9890000224113464},{"id":"https://openalex.org/keywords/liquidity","display_name":"liquidity","score":0.699999988079071},{"id":"https://openalex.org/keywords/bank-risk","display_name":"bank risk","score":0.7200000286102295},{"id":"https://openalex.org/keywords/market-power","display_name":"market power","score":0.9150000214576721},{"id":"https://openalex.org/keywords/inflation","display_name":"inflation","score":0.9879999756813049},{"id":"https://openalex.org/keywords/interest-rates","display_name":"interest rates","score":0.9900000095367432},{"id":"https://openalex.org/keywords/indonesian-banking","display_name":"Indonesian banking sector","score":0.6340000033378601}],"concepts":[{"id":"https://openalex.org/C6175523","wikidata":"https://www.wikidata.org/wiki/Q11771027","display_name":"Net interest margin","level":4,"score":0.8766393065452576},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.7854336500167847},{"id":"https://openalex.org/C2780148112","wikidata":"https://www.wikidata.org/wiki/Q1432581","display_name":"Proxy (statistics)","level":2,"score":0.7269224524497986},{"id":"https://openalex.org/C129361004","wikidata":"https://www.wikidata.org/wiki/Q2470236","display_name":"Profitability index","level":2,"score":0.6446064710617065},{"id":"https://openalex.org/C183582576","wikidata":"https://www.wikidata.org/wiki/Q184783","display_name":"Market liquidity","level":2,"score":0.6059222221374512},{"id":"https://openalex.org/C774472","wikidata":"https://www.wikidata.org/wiki/Q6760393","display_name":"Margin (machine learning)","level":2,"score":0.5927292108535767},{"id":"https://openalex.org/C44970651","wikidata":"https://www.wikidata.org/wiki/Q17014030","display_name":"Fixed effects model","level":3,"score":0.5516501665115356},{"id":"https://openalex.org/C175025494","wikidata":"https://www.wikidata.org/wiki/Q179179","display_name":"Interest rate","level":2,"score":0.5462311506271362},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.5086506009101868},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.5074717402458191},{"id":"https://openalex.org/C200941418","wikidata":"https://www.wikidata.org/wiki/Q273508","display_name":"Inflation (cosmology)","level":2,"score":0.4897603988647461},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.47798556089401245},{"id":"https://openalex.org/C2779207338","wikidata":"https://www.wikidata.org/wiki/Q9240","display_name":"Indonesian","level":2,"score":0.4342169165611267},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.37304994463920593},{"id":"https://openalex.org/C185669311","wikidata":"https://www.wikidata.org/wiki/Q1163221","display_name":"Return on assets","level":3,"score":0.3020809590816498},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.12586230039596558},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.10877341032028198},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.10790863633155823},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C33332235","wikidata":"https://www.wikidata.org/wiki/Q18362","display_name":"Theoretical physics","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C121332964","wikidata":"https://www.wikidata.org/wiki/Q413","display_name":"Physics","level":0,"score":0.0},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0}],"mesh":[],"locations_count":9,"locations":[{"id":"pmh:oai:oai.econjournals.com:article/689","doi":null,"is_oa":true,"landing_page_url":"https://econjournals.com/index.php/ijefi/article/view/689","pdf_url":"https://econjournals.com/index.php/ijefi/article/download/689/pdf","source":{"id":"https://openalex.org/S2737777163","display_name":"International Journal of Economics and Financial Issues","issn_l":"2146-4138","issn":["2146-4138"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","norway-1"],"host_organization":"https://openalex.org/P4310318345","host_organization_name":"EconJournals","host_organization_lineage":["https://openalex.org/P4310318345"],"host_organization_lineage_names":["EconJournals"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2146-4138","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:RePEc:eco:journ1:2014-02-7","doi":null,"is_oa":false,"landing_page_url":"http://www.econjournals.com/index.php/ijefi/article/download/689/pdf","pdf_url":"http://www.econjournals.com/index.php/ijefi/article/download/689/pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:dergipark.org.tr:article/352000","doi":null,"is_oa":true,"landing_page_url":"https://dergipark.org.tr/en/pub/ijefi/article/352000","pdf_url":"https://dergipark.org.tr/tr/pub/ijefi/issue/31962/352000","source":{"id":"https://openalex.org/S4306401840","display_name":"DergiPark (Istanbul University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67581229","host_organization_name":"Istanbul University","host_organization_lineage":["https://openalex.org/I67581229"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:dergipark.gov.tr:article/352000","doi":null,"is_oa":false,"landing_page_url":"http://dergipark.gov.tr/ijefi/issue/31962/352000","pdf_url":null,"source":{"id":"https://openalex.org/S4306401840","display_name":"DergiPark (Istanbul University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67581229","host_organization_name":"Istanbul University","host_organization_lineage":["https://openalex.org/I67581229"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"\\n Cilt: 4 Say\u0131: 2; Volume: 4, Issue: 2\\n 295-308\\n \\n","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:doaj.org/article:087f2bdaa37c4ac39c032be2c384e8b7","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/087f2bdaa37c4ac39c032be2c384e8b7","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"International Journal of Economics and Financial Issues, Vol 4, Iss 2, Pp 295-308 (2014)","raw_type":"article"},{"id":"pmh:oai:doaj.org/article:30188e7b1d154b8ba4142da33a19affc","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/30188e7b1d154b8ba4142da33a19affc","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"International Journal of Economics and Financial Issues, Vol 4, Iss 2 (2014)","raw_type":"article"},{"id":"pmh:oai:doaj.org/article:535c1075d4fc4092b3dd25973d2e3148","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/535c1075d4fc4092b3dd25973d2e3148","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"International Journal of Economics and Financial Issues, Vol 4, Iss 2 (2014)","raw_type":"article"},{"id":"pmh:oai:doaj.org/article:79565e68bd8b43bba704bdbfe5018bb0","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/79565e68bd8b43bba704bdbfe5018bb0","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"International Journal of Economics and Financial Issues, Vol 4, Iss 2 (2014)","raw_type":"article"},{"id":"mag:1661653550","doi":null,"is_oa":true,"landing_page_url":"https://www.econjournals.com/index.php/ijefi/article/download/689/pdf","pdf_url":null,"source":{"id":"https://openalex.org/S2737777163","display_name":"International Journal of Economics and Financial Issues","issn_l":"2146-4138","issn":["2146-4138"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","norway-1"],"host_organization":"https://openalex.org/P4310318345","host_organization_name":"EconJournals","host_organization_lineage":["https://openalex.org/P4310318345"],"host_organization_lineage_names":["EconJournals"],"type":"journal"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":"International Journal of Economics and Financial Issues","raw_type":null}],"best_oa_location":{"id":"pmh:oai:oai.econjournals.com:article/689","doi":null,"is_oa":true,"landing_page_url":"https://econjournals.com/index.php/ijefi/article/view/689","pdf_url":"https://econjournals.com/index.php/ijefi/article/download/689/pdf","source":{"id":"https://openalex.org/S2737777163","display_name":"International Journal of Economics and Financial Issues","issn_l":"2146-4138","issn":["2146-4138"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-c","anvur-scientific","cwts-core","norway-1"],"host_organization":"https://openalex.org/P4310318345","host_organization_name":"EconJournals","host_organization_lineage":["https://openalex.org/P4310318345"],"host_organization_lineage_names":["EconJournals"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2146-4138","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[{"score":0.7257999777793884,"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W1661653550.pdf","grobid_xml":"https://content.openalex.org/works/W1661653550.grobid-xml"},"referenced_works_count":14,"referenced_works":["https://openalex.org/W1480807464","https://openalex.org/W1482762628","https://openalex.org/W1755645811","https://openalex.org/W1997263085","https://openalex.org/W2002052318","https://openalex.org/W2009012048","https://openalex.org/W2011265911","https://openalex.org/W2018944810","https://openalex.org/W2074339377","https://openalex.org/W2105362153","https://openalex.org/W2124758339","https://openalex.org/W3023676640","https://openalex.org/W3122091883","https://openalex.org/W3126022999"],"related_works":["https://openalex.org/W2906372560","https://openalex.org/W3111091391","https://openalex.org/W7217479844","https://openalex.org/W1791903018","https://openalex.org/W7220411136","https://openalex.org/W2625546587","https://openalex.org/W1488250142","https://openalex.org/W4395100702","https://openalex.org/W2902925851","https://openalex.org/W2627726695"],"abstract_inverted_index":{"The":[0,78,102,110],"purpose":[1],"of":[2,13,37,43,92,114,129],"this":[3,34],"research":[4],"is":[5,133],"to":[6,72,89],"study":[7,35,79],"and":[8,26,52,61],"analyze":[9],"the":[10,44,98,121,134],"determinant":[11],"factors":[12,22,30,56,137],"commercial":[14,94,116],"banks'":[15],"interest":[16,62,112,141],"margin":[17,113],"in":[18,69],"Indonesia,":[19],"both":[20],"internal":[21,123],"(bank":[23],"specific":[24],"factors)":[25],"external":[27,55,136],"factors.":[28],"Internal":[29],"are":[31,57,118],"selected":[32],"under":[33],"consists":[36],"several":[38],"aspects":[39],"such":[40],"as":[41,75],"growth":[42],"bank's":[45],"assets,":[46],"profitability,":[47],"efficiency,":[48],"capital":[49],"adequacy,":[50],"liquidity,":[51],"risk,":[53],"meanwhile":[54,131],"market":[58],"power,":[59],"inflation,":[60],"rates.":[63],"Several":[64],"variables":[65,124],"have":[66],"been":[67],"used":[68,74],"previous":[70,108],"studies":[71],"be":[73],"a":[76,84,90,126],"proxy.":[77],"applied":[80],"fixed":[81],"effects":[82],"on":[83,125,140],"panel":[85,91],"data":[86],"regression":[87],"model":[88],"Indonesian":[93,115],"banks":[95,117],"that":[96,138],"covers":[97],"period":[99],"2008":[100],"2012.":[101],"results":[103],"show":[104],"consistent":[105],"findings":[106],"from":[107],"studies.":[109],"net":[111],"affected":[119],"by":[120],"entire":[122],"different":[127],"level":[128],"significance,":[130],"inflation":[132],"only":[135],"affects":[139],"margins":[142],"significantly":[143],"at":[144],"5%":[145],"level.":[146]},"counts_by_year":[{"year":2025,"cited_by_count":5},{"year":2024,"cited_by_count":5},{"year":2023,"cited_by_count":5},{"year":2022,"cited_by_count":7},{"year":2021,"cited_by_count":9},{"year":2020,"cited_by_count":14},{"year":2018,"cited_by_count":4},{"year":2017,"cited_by_count":3},{"year":2016,"cited_by_count":7},{"year":2015,"cited_by_count":3},{"year":2014,"cited_by_count":1}],"updated_date":"2026-10-28T10:33:24.094632","created_date":"2016-06-24T00:00:00"}