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All Journal Wacana Ekonomi : Jurnal Ekonomi, Bisnis dan Akuntansi
I. B. Made Putra Manuaba
Fakultas Ekonomi dan Bisnis Universitas Warmadewa, Denpasar-Bali, Indonesia
Economics, Econometrics & Finance

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Pengaruh Kredit Macet, Jumlah Nasabah, dan BOPO Terhadap Profitabilitas PT Pegadaian Area Denpasar 1 Ni Made Dwi Cahyani; I. B. Made Putra Manuaba
WACANA EKONOMI (Jurnal Ekonomi, Bisnis dan Akuntansi) Vol. 25 No. 1 (2026)
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/we.25.1.2026.49-55

Abstract

This study aims to provide empirical evidence on the impact of non-performing loans, the number of customers, and the BOPO ratio on profitability. The research focuses on PT Pegadaian Area Denpasar 1 during the 2021-2023 period, comprising 73 outlets. The sampling technique used is purposive sampling, selecting 47 outlets that experienced non-performing loans during the specified period as the research sample. This selection resulted in 141 data samples for analysis. The data used in this study are secondary data obtained from the financial reports of PT Pegadaian Area Denpasar 1 for the 2021-2023 period. Data analysis was conducted using multiple linear regression, along with F-tests, t-tests (hypothesis testing), and the coefficient of determination test. The results indicate that non-performing loans do not affect profitability. Meanwhile, the number of customers has a positive and significant impact on profitability, whereas the BOPO ratio has a negative and significant effect on profitability.
Pengaruh Efisiensi Operasional, Dana Pihak Ketiga dan Likuiditas Terhadap Profitabilitas Pada Lembaga Perkreditan Desa (LPD) Se-Kecamatan Blahbatuh Kabupaten Gianyar Ni Putu Indira Sari Dewi; I. B. Made Putra Manuaba
WACANA EKONOMI (Jurnal Ekonomi, Bisnis dan Akuntansi) Vol. 25 No. 1 (2026)
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/we.25.1.2026.60-64

Abstract

The return on assets of LPDs in Blahbatuh Regency subsequently declined. This indicates a decline in LPD profit performance, requiring LPD management to evaluate its strategic policies to improve future performance. The research aims to empirically demonstrate the influence of operational efficiency, third-party financing, and liquidity on LPD profitability in Blahbatuh District, Gianyar Regency. The research method employed in this study was saturated sampling. This type of data utilized quantitative data and secondary data sources. The data collection method employed literature studies and data analysis techniques using multiple linear regression tests. The research results show that operational efficiency negatively impacts LPD profitability in Blahbatuh District, Gianyar Regency. Third-party funds and liquidity positively impact LPD profitability in Blahbatuh District, Gianyar Regency.
Co-Authors Ni Made Dwi Cahyani Ni Putu Indira Sari Dewi