Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Perkreditan Rakyat (BPR) di Provinsi Jawa Timur
DOI:
https://doi.org/10.33603/jibm.v3i1.2093Keywords:
BOPO, BPR, CAR, LDR, NPL, ROAAbstract
Abstract. : This study aims to determine the effect of CAR, LDR, BOPO, and NPL to profitability Rural Bank in East Java province from 2008 to the 2016 year. The research method used in this study is a quantitative research method. The data analysis technique using panel data regression. The results showed that of simultaneously CAR, LDR, BOPO, and NPL have an effect on the ROA. Partially CAR, LDR, and BOPO have a negative effect on ROA, while the NPL variable has no effect on ROA. The implications of this research is that so that the Rural banks determine the appropriate credit distribution ceiling based on the capital consideration held.
Keywords: BOPO, CAR, LDR, NPL, ROA.
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Abstrak : Penelitian ini bertujuan untuk mengetahui pengaruh CAR, LDR, BOPO, dan NPL terhadap profitabilitas Bank Perkreditan Rakyat di Provinsi Jawa Timur periode tahun 2008-2016. Metode penelitian yang digunakan dalam penelitian ini adalah meotde penelitian kuantitatif. Teknik analisis data menggunakan regresi data panel. Hasil penelitian menunjukkan bahwa secara simultan CAR, LDR, BOPO, dan NPL berpengaruh positif terhadap ROA. Secara parsial CAR, LDR, dan BOPO berpengaruh negatif terhadap ROA, sedangkan peubah NPL tidak berpengaruh terhadap ROA. Implikasi penelitian ini, agar BPR menentukan plafon penyaluran kredit yang tepat dengan berdasarkan pertimbang Modal yang dimiliki.Â
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Katakunci: BOPO, BPR, CAR, LDR, NPL, ROA.
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