Rifda nisrina zikri, . (2026) PENGARUH BI RATE, COST OF FUND, SUKU BUNGA KREDIT TERHADAP KINERJA KEUANGAN PERBANKAN. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
This study was conducted to analyze the influence of the BI Rate, Cost Of Funds, and Lending Interest Rates on the financial performance of the banking sector, as assessed by the Return On Assets (ROA) indicator. The study used a quantitative approach with secondary data derived from the annual financial reports of conventional banks listed on the Indonesia Stock Exchange for the period 2023–2025 and BI Rate data obtained from BI. The sample was determined using a purposive sampling method, resulting in 43 banks with a total of 129 observations. Data analysis was carried out using panel data regression with the Driscoll-Kraay Standard Errors approach through STATA 17. The results showed that the BI Rate had a positive and significant effect on ROA, while the lending interest Rate had a negative and significant effect on ROA. Meanwhile, the Cost Of Fund had a negative and significant effect on ROA. These findings indicate that only the Cost Of Fund supports the proposed hypothesis, whereas the BI Rate and lending interest Rate exhibit significant effects in directions opposite to those hypothesized.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | [No. Panggil: 2210112025] [Pembimbing: Ayunita Ajengtiyas Saputri Mashuri] [Penguji 1: Murdhaningsih] [Ketua Penguji : Praptiningsih] |
| Uncontrolled Keywords: | BI Rate, Cost Of Fund, Lending Interest Rate, Return On Assets (ROA). |
| Subjects: | H Social Sciences > HF Commerce > HF5601 Accounting H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Akuntansi (S1) |
| Depositing User: | RIFDA NISRINA ZIKRI |
| Date Deposited: | 31 Aug 2026 02:27 |
| Last Modified: | 31 Aug 2026 02:27 |
| URI: | http://repository.upnvj.ac.id/id/eprint/52015 |
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