A Third-Party Funds, Capital Adequacy, Bi Rate On The Profitability Of Digital Bank Indonesia

Bintang Rizki Maulana; Rini Anggriani; Restu Alpiansah

doi:10.21009/ISC-BEAM.012.19

Bintang Rizki Maulana Universitas Bumigora
Rini Anggriani Universitas Bumigora
Restu Alpiansah

DOI: https://doi.org/10.21009/ISC-BEAM.012.19

Keywords: BI Rate, Capital Adequacy, Profitability, Third Party Funds

Abstract

Profitability refers to a company's capacity to make profits within a specific timeframe, by comparing the earnings generated with the assets or capital used. Based on theory, Third Party Funds, Capital Adequacy, and BI Rate can influence profitability. Bank Digital Indonesia's profitability is projected to decline during the winter of 2022-2023. The objective of this study is to ascertain and partially examine the impact of the variables Third Party Funds, Capital Adequacy, and BI Rate on the Profitability of Bank Digital Indonesia. To ascertain and analyze the concurrent impact of the variables Third Party Funds, Capital Adequacy, and BI Rate on the Profitability of Bank Digital Indonesia.
This study utilized a sample of 12 digital banks spanning the time frame from 2022 to 2023. The selection technique employed was purposive sampling, which involved selecting a sample of 5 digital banks based on 8 quarterly reports. This resulted in a total of 40 data points in the sample. This research employed an associative approach, utilizing E-Views 10 as a tool for data processing. The findings of this study indicate that partially, Third Party Funds do not have a significant impact on Profitability. Similarly, Capital Adequacy does not have a significant influence on Profitability. Additionally, the BI Rate does not have a significant effect on Profitability. Meanwhile, the profitability is influenced by the Third-Party Funds, Capital Adequacy, and BI Rate, all of which occur simultaneously.

References

Profitability refers to a company's capacity to make profits within a specific timeframe, by comparing the earnings generated with the assets or capital used. Based on theory, Third Party Funds, Capital Adequacy, and BI Rate can influence profitability. Bank Digital Indonesia's profitability is projected to decline during the winter of 2022-2023. The objective of this study is to ascertain and partially examine the impact of the variables Third Party Funds, Capital Adequacy, and BI Rate on the Profitability of Bank Digital Indonesia. To ascertain and analyze the concurrent impact of the variables Third Party Funds, Capital Adequacy, and BI Rate on the Profitability of Bank Digital Indonesia.

This study utilized a sample of 12 digital banks spanning the time frame from 2022 to 2023. The selection technique employed was purposive sampling, which involved selecting a sample of 5 digital banks based on 8 quarterly reports. This resulted in a total of 40 data points in the sample. This research employed an associative approach, utilizing E-Views 10 as a tool for data processing. The findings of this study indicate that partially, Third Party Funds do not have a significant impact on Profitability. Similarly, Capital Adequacy does not have a significant influence on Profitability. Additionally, the BI Rate does not have a significant effect on Profitability. Meanwhile, the profitability is influenced by the Third-Party Funds, Capital Adequacy, and BI Rate, all of which occur simultaneously.