Agustina, Yohana (2025) FAKTOR INTERNAL PENENTU PROFITABILITAS BPR DENGAN GENDER SEBAGAI VARIABEL MODERASI. Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study aims to analyze the factors influencing the profitability of Rural Banks (BPR) in Malang Raya, focusing on the effects of credit risk, operational efficiency, liquidity, Loan to Asset Ratio (LAR), and bank size (Size). In addition, this research examines the role of board gender diversity as a moderating variable in the relationship between credit risk and profitability. Profitability is measured using Return on Assets (ROA) as the main indicator of financial performance. The study employs secondary data obtained from the annual financial statements of BPR for the 2019–2023 period, with a sample of 21 BPR selected through purposive sampling. Data analysis was conducted using multiple linear regression with SPSS version 27, both with and without the moderating variable. The findings are expected to provide empirical evidence regarding the consistency or divergence from previous studies on the effect of NPL, BOPO, CR, LAR, and Size on profitability, as well as offer new perspectives on the impact of gender diversity in the board of directors on BPR financial performance. The results of this study are expected to serve as input for BPR management in improving competitiveness and for regulators in formulating policies to strengthen the sustainability of the BPR sector in Indonesia. Keywords: Profitability, Non-Performing Loan (NPL), BOPO, Cash Ratio (CR), LAR, Bank Size, Board Gender Diversity.
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 650 - MANAGEMENT & AUXILIARY SERVICES |
| Divisions: | Magister of Management |
| Depositing User: | YOHANA AGUSTINA |
| Date Deposited: | 18 Sep 2025 08:22 |
| Last Modified: | 18 Sep 2025 08:22 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13773 |
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