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Pengaruh Non Performing Loan (NPL), Biaya Operasional - Pendapatan Operasional (BOPO) dan Capital Aadequacy Ratio (CAR) Terhadap Profitabilitas (Studi Empiris pada PT BPR BKK Kota Tegal (Perseroda) Salsabila Oktaviana; Sigit Agus Dwi Prasetyo
E-logis : Jurnal Ekonomi Logistik Vol. 5 No. 1 (2023)
Publisher : E-logis : Jurnal Ekonomi Logistik

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Loan (NPL), Biaya Operasional - Pendapatan Operasional (BOPO) dan Capital Adequacy Ratio (CAR) terhadap profitabilitas PT BPR BKK Kota Tegal (Perseroda). Jenis penelitian ini adalah kuantitatif yang berfokus pada pengelolaan data numerik. Penelitian ini menggunakan data keuangan pada PT BPR BKK KotaTegal (Perseroda). Sampel yang digunakan dalam penelitian ini adalah laporan tahunan pada tahun 2014-2021. Teknik analisis yang digunakan dalam penelitian ini adalah analisis regresi linier berganda dengan software SPSS 26. Hasil pada penelitian ini menunjukkan bahwa Non Performing Loan (NPL) berpengaruh negative dan signifikan terhadap profitabilitas, Biaya Operasional - Pendapatan Operasional (BOPO) berpengaruh negatif dan signifikan terhadap profitabilitas, Capital Adequacy Ratio (CAR) berpengaruh positif dan signifikan terhadap profitabilitas.
Peran Kemenko Perekonomian dalam Pemberdayaan UMKM Berbasis Prinsip Ekonomi Pancasila: The Role of the Coordinating Ministry for the Economy in Empowering MSMEs Based on Pancasila Economic Principles Salsabila Oktaviana; Maya Balqis Danu Kundono; Siti Kusnul Khotimah; Rasyid Abdillah Ridho
LITERA: Jurnal Ilmiah Mutidisiplin Vol. 2 No. 5 (2025): LITERA: Jurnal Ilmiah Multidisiplin
Publisher : Litera Academica Publishing

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Abstract

This study aims to analyze the role of the Coordinating Ministry for Economic Affairs (Kemenko Perekonomian) in empowering Micro, Small, and Medium Enterprises (MSMEs) based on the principles of Pancasila economics. MSMEs are the backbone of the Indonesian economy, but still face limited access to financing, technology, and markets. The principles of Pancasila economics emphasize social justice, economic democracy, and shared prosperity, making them relevant as a basis for MSME empowerment. The research method uses a qualitative-descriptive approach through literature studies, policy analysis, and in-depth interviews with stakeholders. The results show that the Coordinating Ministry for Economic Affairs plays a strategic role in cross-ministerial coordination to provide inclusive financing access, MSME digitalization, and strengthening the entrepreneurial ecosystem. However, obstacles were identified in the form of complex bureaucracy, suboptimal inter-agency coordination, and limited monitoring. The study's conclusion confirms that strengthening the role of the Coordinating Ministry for Economic Affairs is crucial to ensure MSME empowerment aligns with Pancasila values. This study provides academic contributions by expanding the literature on Pancasila economics and the government's coordinating role, as well as practical contributions in the form of policy recommendations for inclusive and sustainable MSME empowerment.