Analisis Faktor-Faktor yang Mempengaruhi Profitabilitas Bank Perekonomian Rakyat
DOI:
https://doi.org/10.35134/ekobistek.v14i1.871Keywords:
Return on Asset, Capital Adequacy Ratio, Non-Performing Loan, Loan to Deposit Ratio, Operational Effeciency RatioAbstract
Ratio profitability is a ratio used to measure the extent to which the company's ability to obtain profit or profit. Profitability is considered important because the company needs to be in a good situation to carry out company activities. A company can be said to be in a better condition when its profitability ratio is higher than average. profitability ratio is higher than the average. This research aims to analyze the influence of financial ratios on profitability, measured using Return on Asset, in Rural Banks (BPR) in Batam City. The independent variables analyzed include the Capital Adequacy Ratio, Non-Performing Loans, Loan to Deposit Ratio, and Operational Efficiency Ratio. This research adopts a quantitative approach, utilizing secondary data obtained from the annual reports of BPRs during the 2019–2023 period. The sample comprises 21 BPRs selected through purposive sampling based on specific criteria. Data analysis was conducted using panel data regression with the statistical software Eviews 13. The results show that, partially, CAR has a significant positive effect on ROA. NPL, LDR, and BOPO have significant negative effects on ROA. Simultaneously, the four independent variables (CAR, NPL, LDR, and BOPO) significantly influence ROA. These findings underscore the importance of capital management, credit quality, liquidity, and operational efficiency in enhancing BPR profitability. This study provides contributions to BPR management as a guideline for strategic decision-making and offers insights for regulators to formulate policies that support the sustainability of the micro-banking sector.
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