FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BPR DAN BPRS DIBAWAH PENGAWASAN KANTOR OTORITAS JASA KEUANGAN PURWOKERTO - Heru Cahyo; Sodik Dwi Purnomo; Damar Jati (Parameter, 2023)
This study aims to analyze the effect of Capital Adequacy Ratio, Third Party Funds, Non-Performing Loans, Loan to Deposit Ratio on the profitability of People's Credit Banks and Sharia People's Credit Banks under the Supervision of the Purwokerto Financial Services Authority Office from 2016 to 2020. This type of research is quantitative associative and purposive sampling as a sample collection technique. The research method used is a multiple linear regression analysis of panel data. The results showed that Third Party Funds significantly positively affected the Profitability of People's Credit Banks and Sharia People's Credit Banks under the Supervision of the Purwokerto Financial Services Authority Office from 2016 to 2020. Non-Performing Loans significantly negatively affect the Profitability of People's Credit Banks and Sharia People's Credit Banks under the Supervision of the Purwokerto Financial Services Authority Office from 2016 to 2020. Capital Adequacy Ratio and Loan Deposit Ratio have no effect on the Profitability of People's Credit Banks and Sharia People's Credit Banks under the Supervision of the Purwokerto Financial Services Authority Office from 2016 to 2020. ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio, Dana Pihak Ketiga, Non Performing Loan, Loan to Deposit Ratio terhadap profitabilitas Bank Perkreditan Rakyat dan Bank Perkreditan Rakyat Syariah dibawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto pada tahun 2016 sampai 2020. Jenis penelitian ini adalah kuantitatif asosiatif dan purporsive sample sebagai teknik pengabilan sampel. Metode penelitian yang digunakan adalah analisis regresi linear berganda data panel. Hasil penelitian menunjukkan Dana Pihak Ketiga berpengaruh positif signifikan terhadap Profitabilitas Bank Perkreditan Rakyat dan Bank Perkreditan Rakyat Syariah di Bawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto tahun 2016 sampai 2020. Non Performing Loan berpengaruh negatif signifikan terhadap Profitabilitas Bank Perkreditan Rakyat dan Bank Perkreditan Rakyat Syariah di Bawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto tahun 2016 sampai 2020. Capital Adequacy Ratio dan Loan to Deposit Ratio tidak berpengaruh terhadap Profitabilitas Bank Perkreditan Rakyat dan Bank Perkreditan Rakyat Syariah di Bawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto tahun 2016 sampai 2020.