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Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya
ISSN : 26571803     EISSN : 26571803     DOI : https://doi.org/10.33503/paradigma
Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya is a reputable scientific journal that has been recognized by SINTA with a ranking of 5. Published two times a year (January-June and July-December), the journal accommodates a variety of scientific articles that explore contemporary issues in philosophy, science, technology, and socio-culture. With its broad scope, Paradigma has become an important reference for researchers, academics, and practitioners interested in the intersections of various disciplines. Equipped with PISSN: 08523185 and EISSN: 2657-1803, the journal ensures the quality and accessibility of its publications. Paradigma accepts articles in the form of original research, literature reviews, and critical essays that fall within interdisciplinary scope: philosophy, science, technology, socio-culture.
Arjuna Subject : Umum - Umum
Articles 361 Documents
Pengaruh Suku Bunga BI, Inflasi dan Tingkat Kurs terhadap Profitabilitas Bank BCA Muhammad Rizky Panjaitan; Mangasi Sinurat; Willy Cahyadi
Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya Vol. 32 No. 2 (2026): Paradigma: Jurnal Filsafat, Sains, Teknologi, dan Sosial Budaya
Publisher : Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/paradigma.v32i2.3833

Abstract

This study aims to examine the impact of the BI Rate, inflation, and the exchange rate on the profitability (ROA) of Bank BCA. An associative quantitative approach was employed using a dynamic Ordinary Least Squares (OLS) model that incorporates lagged dependent variables to account for profitability persistence (Yt-4) and quarterly seasonality (Yt-4). Quarterly data obtained from Bank Indonesia (BI) and Badan Statistik Indonesia (BPS) were used for the analysis. The results indicate that the three variables collectively explain 85.12% of the variation in Bank BCA's ROA; specifically, the BI-Rate (X1) has a significant positive effect on ROA, inflation has a significant negative effect on ROA, and the exchange rate has a positive but statistically insignificant effect on ROA. Furthermore, the two lagged variables confirm strong profitability persistence and seasonality, thereby validating the dynamic model specification.

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