PENGARUH DANA PIHAK KETIGA, EFISIENSI OPERASIONAL DAN PENYALURAN KREDIT TERHADAP PROFITABILITAS PT BANK BUKOPIN TBK 2013-2020

Abstract

This research aimed to examine and analyze the effect of third parties funds, operational efficiency, and credit distribution on profitability. Every bank has to maintain profitability health level since a better profitability affects customers’ trust, investors, and development of the bank itself. The research was quantitative. Moreover, The research sample was taken from the financial statements of PT Bank Bukopin Tbk for eight years in 2013-2020 per three months. Furthermore, the data collection technique used purposive sampling. Additionally, the data were secondary in the form of the annual report of PT Bank Bukopin Tbk. The analytical method used is multiple linear analysis method using SPSS version 22 program. The research result concluded that: (1) Third Parties Funds had a negative and significant effect on profitability. (2) Operational Efficiency had a negative and significant effect on profitability. (3) Credit Distribution did not have anegative significant effect on profitability.