Gunawan, Ferry Anggriawan (2025) Pengaruh Variabel Internal Terhadap Profitabilitas Bank Dengan Bi Rate Sebagai Variabel Moderasi. Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study investigates the impact of internal factors on the profitability of conventional banks in Indonesia, with the Bank Indonesia policy rate (BI Rate) as a moderating variable. Profitability is measured using Return on Assets (ROA), while internal factors include credit risk (Non-Performing Loans/NPL), operational inefficiency (BOPO), lending activity (Loan to Deposit Ratio/LDR and Loan to Asset Ratio/LAR), and bank size (SIZE). Using a quantitative explanatory approach, the research analyzes secondary panel data from seven KBMI 3 conventional banks listed on the Indonesia Stock Exchange during 2019–2023. Data were sourced from the Financial Services Authority (OJK), Bank Indonesia, and Statistics Indonesia (BPS), and analyzed with multiple regression, both with and without moderation. The findings indicate that credit risk and operational inefficiency negatively affect profitability, while lending activity has a positive effect. Bank size has a negative impact, highlighting the importance of cost control and effective risk management during asset expansion. The BI Rate does not significantly moderate the relationship between NPL and ROA, suggesting that internal factors, particularly credit risk management and operational efficiency, play a more dominant role in determining bank profitability. This study underscores the importance of strong internal management practices over monetary policy in sustaining bank profitability, offering practical implications for managers, investors, and regulators. Keywords: Bank profitability, ROA, NPL, BOPO, LDR, LAR, Bank size, BI Rate
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
| Divisions: | Magister of Management |
| Depositing User: | FERRY ANGGRIAWAN |
| Date Deposited: | 26 Sep 2025 09:16 |
| Last Modified: | 26 Sep 2025 09:16 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13863 |
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