Nulhakim, Lukman (2025) PENGARUH LIKUIDITAS, KUALITAS ASET, EFISIENSI DAN UKURAN BANK TERHADAP PROFITABILITAS DENGAN STRUKTUR KEPEMILIKAN SEBAGAI VARIABEL MODERASI PADA BPR DI JAWA TIMUR. Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study aims to examine the effect of liquidity, asset quality, operational efficiency, and bank size on the profitability of BPR in East Java, with local government ownership as a moderating variable. The research sample consists of 17 BPR with assets of at least IDR 50 billion and complete financial statements from 2019 to 2023. Multiple linear regression analysis with and without moderation variables, along with classical assumption tests, was applied to ensure the validity of the model. The results indicate that liquidity (CR) negatively affects ROA, asset quality (NPL) negatively affects ROA, operational efficiency (BOPO) negatively affects ROA, and bank size (SIZE) negatively affects ROA. Local government ownership significantly moderates the relationships between NPL, BOPO, and SIZE with ROA, either strengthening or weakening their effects, but does not significantly moderate CR. These findings highlight the importance of government ownership in influencing BPR performance and provide implications for financial management and operational efficiency strategies. Keywords: liquidity, asset quality, operational efficiency, ownership structure, profitability, BPR, East Java
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT |
| Divisions: | Magister of Management |
| Depositing User: | LUKMAN NULHAKIM |
| Date Deposited: | 17 Sep 2025 08:13 |
| Last Modified: | 17 Sep 2025 08:13 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13710 |
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