Journal of Economics, Business, and Accountancy Ventura Vol. 21, No. 2, August – November 2018, pages 187 - 198 187 The influence of secure image, rate and charges, and variation of product towards customer interest in selecting certain banks and the role in net-interest margin in Indonesia Benny Budiawan Tjandrasa 1 1 Faculty of Economic Maranatha Christian University, Jl.Surya Sumantri no.65, Sukawarna/Sukajadi, Bandung, 40164, West Java, Indonesia ARTICLE INFO Article history: Received 8 October 2018 Revised 22 November 2018 Accepted 22 November 2018 JEL Classification: H-27 Key words: secure image, variation of product, rates and charges, net interest margin, bank- ing DOI: 10.14414/jebav.v21i2.1441 ABSTRACT The purpose of this paper is to prove the influence of the secure image on the interest of customers in selecting certain banks, and to explore the role of the secure image in net interest margin in Indonesia. This research uses a trian- gular approach which is a combination of a scientific approach and a natural- ist approach. The number of questionnaires collected is 300, using simple random sampling, and the hypothesis test uses logistic regression. The results of the research include twofold: statistical test result indicates the secure im- age variable affects the interest of customers in choosing a particular bank; and the exploratory research can explain the role of the secure image variable in Net Interest Margin in Indonesia. The implications of this research are: first, banks and other financial institutions can improve competitiveness by enhancing secure image through enhanced security technology and maintain- ing the company's reputation in terms of security. Second, the role of the se- cure image variable in net interest margin can be explained through the ap- plication of demand-supply theory. The originality of this research is the veri- fication of the effect of the secure image variable on customer interest in a particular bank and its role in NIM. ABSTRAK Tujuan dari paper ini adalah membuktikan pengaruh secure image terhadap minat nasabah memilih bank tertentu, dan mengeksplorasi peran secure im- age pada net interest margin di Indonesia. Penelitian ini menggunakan pen- dekatan triangular yang merupakan penggabungan pendekatan saintifik dan pendekatan naturalis. Jumlah kuesioner yang berhasil dikumpulkan sebanyak 300 menggunakan simple random sampling, uji hipotesis menggunakan lo- gistic regression. Hasil penelitian meliputi dua hal: hasil uji statistik mengindikasikan variabel secure image berpengaruh terhadap minat nasabah dalam memilih bank tertentu; dan menggunakan riset eksploratori dapat dit- erangkan peran variabel secure image pada net interest margin di Indonesia. Implikasi dari penelitian ini adalah: pertama, bank dan lembaga keuangan lainnya dapat meningkatkan daya saing dengan meningkatkan secure image melalui peningkatan teknologi keamanan dan menjaga reputasi perusahaan dalam hal keamanan. Kedua, peran variabel secure image pada net interest margin dapat dijelaskan melalui penerapan teori permintaan-penawaran. Originalitas pada penelitian ini adalah pembuktian pengaruh variabel secure image pada minat nasabah pada bank tertentu dan perannya pada net interest margin. * Corresponding author, email address: 1 benny.tjandrasa@gmail.com