ANALISIS PENGARUH DANA PIHAK KETIGA SERTA KREDIT TERHADAP KINERJA LABA PT. BPR RESTU DEWATA DI KECAMATAN KEDIRI, KABUPATEN TABANAN
An Analysis Of The Impact Of Third-Party Funds And Lending On The Profitability Of PT. BPR Restu Dewata In Kediri District, Tabanan Regency
DOI:
https://doi.org/10.59896/gara.v20i2.650Keywords:
Savings, Deposits, Credit, ProfitAbstract
This study aims to analyze the effect of savings, deposits, and credit on the profit of PT. BPR Restu Dewata in Kediri District, Tabanan Regency, both partially and simultaneously. This research is associative in nature and uses secondary quantitative data in the form of monthly reports from January 2021 to December 2025. The sample was determined using purposive sampling, and data were collected through document study. The analysis was conducted using multiple linear regression. The results show that partially, savings, deposits, and credit have a positive and significant effect on profit, and simultaneously they also have a significant effect. The R² value of 0.974 indicates that savings, deposits, and credit collectively explain 97.4% of the variation in profit, while the remaining 2.6% is influenced by other factors outside the model
References
Agustriani. 2024. Pengaruh Kredit dan Dana Masyarakat Terhadap Laba Setelah Pajak (Studi Kasus pada PT BPR Nusantara Bona Pasogit 2. Jurnal. Universitas Pertiwi.
Dendawijaya, L. (2015). Manajemen Perbankan. Jakarta: Ghalia Indonesia.
Gujarati, Damodar. (2005). Ekonometrika Dasar. Penerjemah Sumarno Zain. Jakarta: Erlangga.
Hasibuan, M. S. P. (2016). Dasar-Dasar Perbankan. Jakarta: Bumi Aksara.
Indraeni. 2024. Pengaruh Tabungan, Deposito dan Kredit terhadap Tingkat Laba Pada Bank Danamon Tbk. Jurnal. Universitas Pertiwi.
Kasmir. (2019). Analisis Laporan Keuangan. Jakarta: PT RajaGrafindo Persada.
Lestari, A. P. (2022). Analisis Faktor-Faktor yang Mempengaruhi Laba BPR di Provinsi Bali. Jurnal Ekonomi dan Bisnis, 10(1), 45-58.
Pandia, F. (2012). Manajemen Perbankan. Jakarta: Rineka Cipta.
Pratama, I. G. S. (2019). Pengaruh Penyaluran Kredit terhadap Profitabilitas Bank Perkreditan Rakyat. E-Jurnal Akuntansi, 28(2), 1120-1145.
Rivai, V., Veithzal, A. P., & Idroes, F. N. (2018). Bank and Financial Institution Management. Jakarta: RajaGrafindo Persada.
Saputra, K. A. (2020). Pengaruh Dana Pihak Ketiga terhadap Laba Bersih pada Bank Umum. Jurnal Ilmiah Akuntansi, 5(2), 210-225.
Sari, Ni Ketut Ayu. 2019. Pengaruh Pertumbuhan Kredit dan Rasio Keuangan Terhadap Kemampuan Menghasilkan Keuntungan Bank Perkreditan Rakyat di Kota Denpasar.
Sugiyono, 2017. Metode Penelitian Kuantitatif, kualitatif dan R&G. Bandung: Alfabeta.
Suwarjeni, V. Wiratna. 2018. Metodologi Penelitian Bisnis dan Ekonomi Pendekatan Kuantitatif. Pustaka Baru Press, Yogyakarta.
Wardani, K. S. (2021). Evaluasi Biaya Dana dan Pengaruhnya terhadap Laba Operasional BPR. Jurnal Riset Keuangan, 7(3), 89-102.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 I Gusti Ayu Meta Purmina Dewi, Ngurah Made Novianha Pynatih, Ni Rai Artini
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
