JMB : Jurnal Manajemen dan Bisnis
Vol 9, No 2 (2020): JMB : Jurnal Manajemen dan Bisnis

ANALISIS PENGARUH PROFIL RISIKO DAN RENTABILITAS TERHADAP PERMODALAN SERTA DAMPAKNYA PADA KINERJA BPR KONVENSIONAL DI PROVINSI BANTEN PERIODE 2014 – 2018

Lena Erdawati (Universitas Muhammadiyah Tangerang)
Atik Atikah (Universitas Muhammadiyah Tangerang)
Yanthi Meitri Gunawan (Universitas Muhammadiyah Tangerang)



Article Info

Publish Date
28 Sep 2020

Abstract

The purpose of this study was to determine the effect of the Risk Profile and Profitability on Capital and its impact on BPR Performance in Banten Province. This research data uses secondary data published by the Financial Services Authority (OJK) for the 2014-2018 period, namely the financial statements of 15 BPRs domiciled in Banten Province with the criteria of having total assets above 30 billion. The indicators of this research are the Risk Profile which is proxied by: Non Performing Loans, Loan to Deposit Ratio, Cash Ratio, and Earning Asset Quality, Profitability Indicators which are proxied by Operational Costs, Operational Income, Capital Indicators which are proxied by Capital Adequacy Ratio and Rural Bank Performance Indicators. which is proxied by Return On Asset. The method used is a quantitative method. The data analysis technique used a panel data regression model, and hypothesis testing with the Eviews program and continued with path analysis. The results showed that partially CR has a significant effect on CAR while NPL, LDR, KAP and BOPO have no significant effect on CAR. Simultaneously, NPL, LDR, CR, KAP and BOPO have a significant effect on CAR. Partially NPL, KAP and BOPO have a significant effect on ROA while LDR, CR and CAR have no significant effect on ROA, simultaneously NPL, LDR, CR, KAP, BOPO and CAR have a significant effect on ROA.

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Journal Info

Abbrev

jmb

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

JMB: Jurnal Manajemen dan Bisnis (P-ISSN 2302-3449, E-ISSN 2580-9490) is an academic journal published by the Postgraduate Masters Program in Management of Universitas Muhammadiyah Tangerang. JMB: Jurnal Manajemen dan Bisnis is expected in the future to be developed as a means of disseminating ...