Pengaruh Variabel Internal Bank Terhadap Profitabilitas Dengan Bi Rate Sebagai Variabel Moderasi

Sonandi, Alfius (2025) Pengaruh Variabel Internal Bank Terhadap Profitabilitas Dengan Bi Rate Sebagai Variabel Moderasi. Masters thesis, Universitas Hayam Wuruk Perbanas.

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Abstract

ABSTRACT This study aims to analyze the effect of Net Interest Margin (NIM), Operating Expenses to Operating Income (BOPO), Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Loan to Asset Ratio (LAR) on banking profitability, with Return on Assets (ROA) as the main indicator, and to examine the role of the BI Rate as a moderating variable. The research employs a quantitative approach with an explanatory design, using secondary data from publicly listed KBMI-3 banks in Indonesia during the 2019–2024 period. The analysis was conducted using multiple linear regression with t-tests, F-tests, and moderation tests. The results show that NIM and LDR have a positive and significant effect on ROA, while BOPO has a significant negative effect. In contrast, NPL does not significantly affect ROA, and LAR exhibits a negative but not significant effect. The moderation test reveals that the BI Rate strengthens the relationship between NIM and ROA, although the effect is not statistically significant. This study highlights the importance of managing net interest margin, operational efficiency, and effective loan distribution in enhancing banking profitability. Meanwhile, the insignificant role of the BI Rate suggests that banks need to develop internal strategies to better respond to interest rate dynamics. Keywords: Profitability, ROA, NIM, BOPO, NPL, LDR, LAR, BI Rate

Item Type: Thesis (Masters)
Subjects: 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 650 - MANAGEMENT & AUXILIARY SERVICES
Divisions: Magister of Management
Depositing User: ALFIUS SONANDI
Date Deposited: 23 Sep 2025 04:09
Last Modified: 23 Sep 2025 04:09
URI: http://eprints.perbanas.ac.id/id/eprint/13837

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