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All Journal Jurnal Locus Penelitian dan Pengabdian Journal Research of Social Science, Economics, and Management
Taufiqurrahman, Cecep
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Aerospace Engineering Automotive Engineering Decision Sciences, Operations Research & Management Electrical & Electronics Engineering Environmental Science Mathematics

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Analysis of the Influence of Credit Risk, Liquidity Risk, Interest Rates, and Inflation on Profitability at BPR Bank Bogor City Irman, Bhima Irsi Faliandri; Taufiqurrahman, Cecep
Journal Research of Social Science, Economics, and Management Vol. 5 No. 9 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i9.1416

Abstract

This study aims to analyze the influence of credit risk, liquidity risk, interest rates, and inflation on profitability in BPR Bank Kota Bogor. The dependent variables in this study are profitability proxied by Return on Assets (ROA), while the independent variables include Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), interest rates, and inflation. The type of research used is quantitative research with an associative approach. The data used was secondary data in the form of financial statements of BPR Bank Bogor City as well as macroeconomic data obtained from official institutions. The research data is in the form of a time series for the period January 2021 to September 2025 which is compiled in the form of monthly data using a trend-based interpolation approach from annual data. The analysis method used is multiple linear regression with the help of statistical software. The results showed that partially the variables of credit risk (NPL), liquidity risk (LDR), interest rate, and inflation did not have a significant effect on profitability (ROA). Simultaneously, the four independent variables also did not have a significant effect on profitability. The value of the determination coefficient shows that the ability of independent variables to explain variations in profitability is relatively low, so there are other factors outside the model that are more dominant in influencing the bank's profitability.
Pengaruh Good Corporate Governance (GCG), Manajemen Risiko Kredit, dan Manajemen Risiko Operasional Terhadap Profitabilitas Pratiknyo, Edy; Taufiqurrahman, Cecep
Jurnal Locus Penelitian dan Pengabdian Vol. 5 No. 5 (2026): JURNAL LOCUS: Penelitian dan Pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v5i5.5709

Abstract

Good Corporate Governance (GCG), manajemen risiko kredit, dan manajemen risiko operasional memainkan peran penting dalam meningkatkan profitabilitas Bank Perkreditan Rakyat (BPR). Di Kota Bekasi, penerapan prinsip-prinsip GCG dan pengelolaan risiko yang efektif dapat mempengaruhi kinerja keuangan BPR. Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor tersebut terhadap profitabilitas BPR di Kota Bekasi pada periode 2020–2024. Penelitian ini bertujuan untuk menganalisis pengaruh GCG, manajemen risiko kredit, dan manajemen risiko operasional terhadap profitabilitas pada 10 BPR di Kota Bekasi selama periode 2020–2024. Pendekatan kuantitatif digunakan dengan metode survei. Data diperoleh melalui analisis laporan tahunan BPR dan diuji menggunakan regresi linear berganda untuk mengetahui hubungan antar variabel. Hasil analisis deskriptif menunjukkan peningkatan penerapan GCG di BPR Bekasi. Uji t menunjukkan bahwa GCG berpengaruh positif dan signifikan terhadap profitabilitas BPR (koefisien regresi 0,348; t=3,412; sig.=0,001). Manajemen risiko kredit dan operasional berpengaruh negatif terhadap profitabilitas, dengan koefisien regresi -0,276 dan -0,193 masing-masing. Uji F menunjukkan bahwa GCG, manajemen risiko kredit, dan operasional berpengaruh signifikan secara simultan terhadap profitabilitas BPR (F=9,527; sig.=0,000). Penerapan GCG yang baik serta pengelolaan risiko kredit dan operasional yang efektif merupakan faktor penting untuk meningkatkan kinerja dan profitabilitas BPR di Kota Bekasi.
Co-Authors Edy Pratiknyo Irman, Bhima Irsi Faliandri