VALERIE DEVINA WIBOWO

Degree Strata 1

Program/Study Program Finance

Faculty/School School of Accounting

GPA 3.91

Achievement Summa Cum Laude

THESIS TITLE THE EFFECT OF CAR, SOLVENCY RISK, AND ALLOWANCE FOR IMPAIRMENT LOSSES ON NIM IN CONVENTIONAL COMMERCIAL BANKS IN INDONESIA: AN EMPIRICAL STUDY ON KBMI 3 AND KBMI 4 BANKS DURING 2014-2023