ANALISIS PENGARUH KREDIT TERHADAP LABA BERSIH PADA PT. BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN, TBK. PERIODE TAHUN 2008-2021

Abstract

This research aims to determine whether there was a significant effect of credit on net profit at PT. BPD Jawa Barat & Banten Tbk. (BJBR). The research method was quantitative and used a normality test, simple regression, and t-test analysis instruments. This research used secondary data from the financial statements of BJBR for 2008-2021.The research results indicated that the effect of credit on net profit has a t-value of 4.270 and a significant value of 0.001 < 0.05. It is concluded that credit affected net income. The results of data analysis showed that credit had a strong relationship with a net profit of 0.777%.The issues occurred due to the lack of credit distribution, the COVID-19 pandemic factor, and the lack of third-party funds. Therefore, BJBR increased lending and optimized the growth of third-party funds to overcome the issues. The author suggested that banks should further increase lending and operational costs to decrease the net profit.