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All Journal Jurnal Manajemen Bisnis MATAPPA: Jurnal Pengabdian Kepada Masyarakat SENTRALISASI Ihtifaz: Journal of Islamic Economics, Finance, and Banking Jurnal Muhammadiyah Manajemen Bisnis (JMMB) Journal of Islamic Economic and Business Research Prosiding Seminar Nasional Program Pengabdian Masyarakat Neo Journal of economy and social humanities Riwayat: Educational Journal of History and Humanities
Danupranata, Gita
Universitas Muhammadiyah Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Economics, Econometrics & Finance Education Medicine & Pharmacology Social Sciences

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Evaluation of the Profitability Performance of Regional Development Banks Using Panel Regression: A Study on Four Provinces in Indonesia Gita Danupranata; Agus Tri Basuki; Gusdinda Ramadhanti Putri
Neo Journal of economy and social humanities Vol 4 No 1 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i1.289

Abstract

This study aims to analyse the influence of ROE, BOPO, NPL, LDR, NIM, and reserve requirement on profitability as measured by Return on Assets (ROA) in four Regional Development Banks (BPD) in Indonesia, namely BPD DKI Jakarta, BPD Central Java, BPD DIY, and BPD East Java during the period 2017Q1 to 2024Q4. The method used is panel data regression using the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM) approaches. The results of the Chow test showed that FEM was better than CEM, while Hausman's test showed that FEM was also more accurate than REM. Thus, the best model used is the Fixed Effect Model. The results of the analysis showed that the variables ROE, NPL, LDR, NIM, and GWM had a positive and significant effect on ROA, while BOPO had a negative and significant effect. The NIM variable is the most dominant factor in increasing profitability, while BOPO is the main obstacle. These findings confirm the importance of operational efficiency and interest margin management in improving BPD's financial performance. This research provides implications for BPD management to focus more on cost control strategies and interest income optimization to increase profitability in a sustainable manner.
Co-Authors Agus Tri Basuki Akmal, Muhamad Akmal, Muhamad Akmalia, Alien Amrullah Gusdinda Ramadhanti Putri Isthofaina Astuty Luluk Iswanti Muhammad Khairudin Hamsin MUSOLI, MUSOLI Nugraha, Syahdani Satria Praditaningrum, Anfasa Riduwan Riduwan Riduwan Riduwan Riduwan Riduwan Riduwan, Riduwan Subkhi, Zainal Agus Subkhi, Zainal Agus Tri Maryati, Tri Wahyudi, Rofiul