Pengaruh Faktor Internal Bank Terhadap Profitabilitas Bank Perekonomian Rakyat

Arnanto, Tito Teguh (2025) Pengaruh Faktor Internal Bank Terhadap Profitabilitas Bank Perekonomian Rakyat. Masters thesis, Universitas Hayam Wuruk Perbanas.

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Abstract

This study investigates the influence of internal bank factors on the profitability of Rural Banks (BPR) in the OJK Jember jurisdiction during the 2021–2023 period. Profitability is measured using Return on Assets (ROA) as the dependent variable, while the independent variables consist of Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Loan-to-Deposit Ratio (LDR), Cash Ratio (CR), and Operating Expenses to Operating Income (BOPO). The research employs panel data comprising 34 Rural Banks with 99 balanced observations and applies the Random Effects Model for estimation after conducting classical assumption tests. The results indicate that BOPO has a significant negative effect on ROA, demonstrating that high operational costs reduce profitability. Conversely, CAR, NPL, LDR, and CR show no significant effect on ROA individually, although collectively, all independent variables explain 88.03% of the variation in profitability. These findings highlight that operational efficiency plays a crucial role in enhancing the performance of Rural Banks, while the insignificance of other financial ratios may reflect the unique characteristics and regulatory environment of BPRs in the region. Keywords: profitability, Rural Banks, CAR, NPL, LDR, CR, BOPO

Item Type:	Thesis (Masters)
Subjects:	300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING
Divisions:	Magister of Management
Depositing User:	TITO TEGUH ARNANTO
Date Deposited:	25 Sep 2025 07:53
Last Modified:	25 Sep 2025 07:53
URI:	http://eprints.perbanas.ac.id/id/eprint/13780

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