DAMPAK LIKUIDITAS, RISIKO KREDIT DAN DANA PIHAK KETIGA TERHADAP PROFITABILITAS PADA BANK PERKREDITAN RAKYAT TANGERANG

A. Siagian
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引用次数: 1

Abstract

The purpose of this study is to find the profitability of a financial ratio that measures industry expertise in using its assets to generate profits. Continuing to be large, profitability shows that the industry's performance continues to be good, because the rate of return continues to be large. There are several variables that affect the profitability of a bank, namely liquidity, credit risk and third party funds. A bank is an institution that acts as a financial intermediary between parties that have excess funds and those who lack funds. The performance of a bank can be assessed through the financial statements presented by Bank Indonesia by carrying out an analysis using financial ratios. This research was conducted on the financial statements of BPR Tangerang Regency for the period 2016-2019. This research has the theme "The Effect of Liquidity, Credit Risk and  Third Party Funds on profitability at Rural Banks (BPR) in Tangerang Regency. To uncover the problems in this research, multiple linear regression analysis was used. Based on the test results simultaneously at the real level (α) = 5% through the F test it was found that the variables of liquidity, credit risk and third party funds have a significant effect on profitability at Rural Banks (BPR) in Tangerang Regency.
流动性、信贷和第三方资金对TANGERANG信贷银行盈利能力的风险
本研究的目的是找到一个财务比率的盈利能力,衡量行业专业知识在使用其资产产生利润。持续大,盈利能力表明行业的业绩持续向好,因为回报率持续大。影响银行盈利能力的变量有几个,即流动性、信用风险和第三方资金。银行是在资金过剩和资金短缺的各方之间充当金融中介的机构。银行的业绩可以通过印度尼西亚银行提出的财务报表进行评估,使用财务比率进行分析。本研究是对BPR Tangerang Regency 2016-2019年期间的财务报表进行的。本研究的主题是“流动性、信用风险和第三方资金对Tangerang县村镇银行盈利能力的影响”。为了揭示本研究中存在的问题,采用多元线性回归分析。在实际水平(α) = 5%的同时,通过F检验发现流动性、信用风险和第三方资金三个变量对Tangerang县村镇银行的盈利能力(BPR)有显著影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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