Nur Anisa Anwar, . (2026) PERKEMBANGAN SIMPANAN DANA PIHAK KETIGA DAN TINGKAT PROFITABILITAS PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN TBK (BJB) PERIODE 2020-2024. Tugas Akhir thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
This final project report aims to analyze the trends in third-party funds PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk (Bank bjb) from 2020 to 2024 periode. These third-party funds comprise savings account, demand deposit, and time deposit. Additionally, the report seeks to assess the bank’s profitability levels using the Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Profit Margin (PM) ratios. The study employs a descriptive method with a quantitative approach, relying on secondary data obtained from Bank bjb’s annual reports. Trends in third-party funds were calculated using a base-year method (with 2020 as the reference), while profitability was assessed through the specific formulas for each ratio. The results indicate an upward trend in third-party funds throughout the study period, with time deposits constituting the largest component, while savings and demand deposits served as sources of low-cost funds. Total third-party funds increased, albeit with a slowdown observed in 2024. Regarding profitability, Return on Assets showed a declining trend; Return on Equity fluctuated and declined by the end of the period; Net Interest Margin remained high; and Profit Margin increased. The findings demonstrate that an increase in third party funds does not automatically result in an improvement across all profitability ratios.
| Item Type: | Thesis (Tugas Akhir) |
|---|---|
| Additional Information: | [No.Panggil: 2310101012] [Pembimbing: Tri Siswantini] [Penguji 1: Subur] [Ketua Penguji: Mira Rahmi] |
| Uncontrolled Keywords: | Bank bjb, Third Party Funds, Profitability |
| Subjects: | H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) Fakultas Ekonomi dan Bisnis > Program Studi Perbankan dan Keuangan (DIII) |
| Depositing User: | NUR ANISA ANWAR |
| Date Deposited: | 26 Aug 2026 03:11 |
| Last Modified: | 26 Aug 2026 03:11 |
| URI: | http://repository.upnvj.ac.id/id/eprint/50737 |
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