Baidury, Nyimas Nunin Anisah (2025) PENGARUH FAKTOR INTERNAL TERHADAP PROFITABILITAS DENGAN STRUKTUR KEPEMILIKAN SWASTA SEBAGAI VARIABEL MODERASI. Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
ABSTRACT This study aims to examine the effect of financial risk factors and operational efficiency on the profitability of Rural Banks (BPR) in Malang Raya and Pasuruan, as well as to test the role of ownership structure as a moderating variable. Secondary data from the financial statements of 40 BPR for the period 2019–2023, totaling 168 observations, were analyzed using multiple linear regression with classical assumption tests and models with and without moderation. The results indicate that BOPO and NPL have a significant negative effect on ROA, while bank size (Size) also shows a significant negative effect. LDR and LAR have no significant effect. Private ownership structure was found to moderate the relationship between NPL and ROA, strengthening the negative impact of credit risk on profitability. This study provides theoretical implications regarding the influence of ownership characteristics on credit risk management in BPR, as well as practical implications for private BPR management to strengthen risk management mechanisms and corporate governance to enhance bank stability and profitability. Keywords: BOPO, NPL, Bank Size, ownership structure, ROA, BPR
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.3 - PERSONNEL MANAGEMENT |
| Divisions: | Magister of Management |
| Depositing User: | NYIMAS NUNIN ANISAH BAIDURY |
| Date Deposited: | 17 Sep 2025 08:49 |
| Last Modified: | 17 Sep 2025 08:49 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13757 |
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