The Influence Of Savings And Deposits Cost On Profitability At The Branch PT. People’s Credit Bank (BPR) Hasamitra
DOI:
https://doi.org/10.32528/issh.v2i3.394Keywords:
Cosf Of Funds, Savings, Deposits and ROAAbstract
This study aims to analyze the impact of Cost Of Funds (Cosf) from Savings and Deposits on the Profitability of PT. Hasamitra People's Credit Bank (BPR) during the period 2019-2021. The research methodology involved multiple linear regression analysis, t-test, F-test, and coefficient of determination test. Both quantitative and qualitative data were utilized, with secondary data sourced from financial reports, including Profit and Loss reports and Balance Sheet Reports from 2019 to 2021. The findings of the multiple linear analysis resulted in the equation Y = -1.285 + 7.188 X1 + 6.572 X2. The t-test demonstrated that both Cosf from Savings and Cosf from Deposits had a significant impact on Profitability at PT. People's Credit Bank (BPR) Hasamitra in 2019-2021 and the F-test revealed that Cosf from Savings and Deposits jointly had a significant effect on Profitability. The influence of Cosf from Savings and Deposits on Return On Assets (ROA) was found to be substantial, accounting for 82.6% based on the R-square test of determination. The remaining 17.4% was attributed to other variables, such as loans received, capital, liquidity, operating expenses, operating income (BOPO), and other factors.
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