Analisis Faktor-Faktor yang Mempengaruhi Profitabilitas pada Bank Perkreditan Rakyat di Provinsi Nusa Tenggara Timur

SELAN, Venna Anggelika (2022) Analisis Faktor-Faktor yang Mempengaruhi Profitabilitas pada Bank Perkreditan Rakyat di Provinsi Nusa Tenggara Timur. Masters thesis, Universitas Katolik Widya Mandira Kupang.

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Abstract

One of the challenges that faced by BPRs in East Nusa Tenggara, which not only compete with commercial banks, but also with various non-bank financial institutions. According to Bank Indonesia, one way to know the financial performance of a bank is to look at the profitability ratio, namely Return on Assets (ROA). The purposes of this study are: 1) To describe the development of Return On Assets (ROA), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Costs and Operating Income (BOPO) and Non Performing Loans (NPL) of Credit Banks People in NTT Province during 2016-2020; 2) To analyze the partial effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Costs and Operating Income (BOPO) and Non Performing Loans (NPL) on Return On Assets (ROA); 3) To analyze the simultaneous effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Costs and Operating Income (BOPO), and Non Performing Loans (NPL) on Return On Assets (ROA). This research is causal associative research with quantitative technique. The research sample was 11 rural banks in the province of East Nusa Tenggara. The data used is the annual financial report data on the website of the Financial Services Authority for the period 2016-2020 and analyzed using descriptive and inferential statistics using the SPSS application. The results of the t-test analysis show that the Capital Adequacy Ratio (CAR), Loan to Depot Ratio (LDR), Operational Expenditures on Operating Income (BOPO) and Non Performing Loans (NPL) have a positive and significant effect on Return of Assets (ROA). The results of inferential statistical analysis (F test) show that there is a jointly significant effect of Capital Adequacy Ratio (CAR), Loan to Depocit Ratio (LDR), Operational Expenditure on Operational Income (BOPO), Non Performing Loan (NPL) on Return on Assets (ROA). The results of the coefficient of determination (R2) state that the ability of the variables Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operational Costs of Operational Income (BOPO) and Non Performing Loans (NPL) explain the Return on Assets (ROA) variable in this study. is 30.10%. Based on the results of this study, it can be suggested to BPRs in East Nusa Tenggara Province. To increase the CAR and LDR and reduce the ratio of BOPO and NPL.

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