Jurnal Akuntansi Kompetif
Vol. 8 No. 2 (2025): Akuntabilitas, Kinerja Keuangan, dan Strategi Efisiensi di Sektor Publik dan UM

PENGARUH DANA PIHAK KETIGA TERHADAP LABA BERSIH PT BANK BCA DIGITAL (BLU) PERIODE 2022-2024

Sabella, Maria Emily (Unknown)
Pandjaitan, Shilo Hasiholan (Unknown)
Manurung, Elizabeth Tiur (Unknown)



Article Info

Publish Date
31 May 2025

Abstract

This study aims to measure the impact of Third Party Funds components, namely demand deposits, savings, and time deposits, on the Net Profit of PT Bank Digital BCA (Blu) for the period January 2022 to December 2024. Using a quantitative approach, monthly time series data were processed using multiple linear regression. The independent variables consist of the values of demand deposits, savings, and time deposits; the dependent variable is Blu's Net Profit. The regression model was tested through classical assumptions: linearity, normality of residuals, homoscedasticity, independence of residuals (no autocorrelation), and non-multicollinearity (with Variance Inflation Factor and condition number). The results of the analysis show that savings have a positive and significant effect on net profit (β = 0.0378; p < 0.01), while time deposits have a negative significant effect (β = -0.01286; p < 0.05). The demand deposit variable does not provide a significant contribution to the model. Keywords: Third Party Fund, Demand Deposit, Saving, Time Deposit, Net Profit.

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Journal Info

Abbrev

akuntansikompetif

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal Akuntansi Kompetif (Online ISSN: 2622-5379) published by Komunitas Manajemen Kompetitif. This journal published thrice in January and July. It contain the articles such as scientific papers (research and non-research), analytical studies, theoretical applications and reviews of account ...