CD Skripsi
Analisis Kinerja Bank Kelompok Bank Modal Inti 4 (KBMI 4) Periode 2017 – 2022
B. Dwi Joko Santoso, NIM 2210246877 Bank performance analysis of the Core Capital Bank Group (KBMI 4) 2017 – 2022. With the guidance of Dr. Yulia Efni, SE, ME and Dr Novita Indrawati, SE, M.Si, Ak
There are several articles that say that there is a linear influence between assets and profits, which means that increasing assets can increase profits linearly, and several other articles say the opposite, as is the case in this study. Therefore, it would be interesting to conduct further research on the correlation between other factors that influence bank profit achievement such as ASSETs, CAR, NPL, BOPO, NIM, and LDR. Apart from that, it is also interesting to see how the role of ownership type and event period influences bank profit achievement. This will allow us to identify differences in the influence of achieving profits of different types.
By using multiple linear regression tests, the problem of this research is "Is there an influence of 6 (six) independent variables namely ASSETS, CAR, NPL, BOPO, NIM, and LDR on profit achievement in 2017–2022?" Apart from that, "Is there an influence on the type of ownership (BUMN bank versus BUSN bank), as well as a comparison of the influence of the time period of the 2017–2022 event on achieving bank profits."
Theories used in this research include stakeholder theory, which is concerned with how businesses manage their stakeholders, including government and private bank owners; signal theory, which relates to a company's annual financial reports which are presented to provide signals or information to stakeholders and the market; and several other theories that are not related to this research variable.
The research results show that only the BOPO variable influences profits. The three (three) independent variables that do not affect profits are CAR, NPL, and NIM, and the three (three) independent variables that influence profits are ASSETS, BOPO, and LDR. The type of ownership (BUMN or BUSN) and the event period (2017–2022) do not affect bank profits.
Keywords ; ASSETS, BOPO, LDR, Ownership Tipe
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