Analisis Faktor Internal Terhadap Kinerja Bank Perkreditan Rakyat di Provinsi Jambi
DOI:
https://doi.org/10.36636/dialektika.v9i2.4544Kata Kunci:
Kinerja Bank, Modal Intelektual, Risiko Kredit, Risiko Likuiditas, UtangAbstrak
Penelitian ini bertujuan untuk menganalisis faktor internal terhadap kinerja Bank Perkreditan Rakyat (BPR) di provinsi Jambi. Faktor internal yang diteliti terdiri dari risiko kredit, risiko likuiditas, BOPO, utang, modal intelektual, dan modal bank. Jenis data penelitian yang digunakan merupakan data kuantitatif berupa data sekunder yaitu laporan keuangan publikasi dari periode 2018 hingga 2022 di situs web Otoritas Jasa Keuangan (OJK). Berdasarkan data dari OJK, terdapat 19 BPR pada Provinsi Jambi dengan jumlah data sebanyak 95 yang dijadikan sampel. Analisis dilakukan menggunakan regresi panel melalui perangkat lunak Eviews. Hasil pengujian menunjukkan bahwa BOPO dan modal bank berpengaruh negatif terhadap kinerja bank. Di sisi lain, utang berpengaruh positif terhadap kinerja bank melalui pengukuran ROA, tetapi berpengaruh negatif melalui pengukuran ROE. Sementara itu, risiko kredit, risiko likuiditas, dan modal intelektual tidak memiliki pengaruh signifikan terhadap kinerja bank.
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