Analisis Faktor-Faktor Kinerja PT Bank BTPN Syariah Tbk (BTPS) di Tengah Pertumbuhan P2P Lending

Fathur Rochman

doi:10.32493/jaras.v4i2.43089

Authors

Fathur Rochman Sekolah Tinggi Agama Islam Minhaajurroosyidiin

DOI:

https://doi.org/10.32493/jaras.v4i2.43089

Keywords:

Akumulasi pinjaman P2P Lending, CKPN, BI Rates, Inflasi, ROA

Abstract

Tujuan. Penelitian ini menganalisis bagaimana pengaruh perkembangan P2P lending, CKPN, BI rates dan inflasi terhadap ROA Bank BTPN Syariah.

Metode. Metode yang digunakan regresi linear berganda menggunakan SPSS 25. Data yang digunakan dari laporan statistik dan laporan keuangan triwulan BTPS dari Q2 2018- Q1 2024.

Hasil. Berdasarkan hasil penelitian secara parsial variabel BI rates berpengaruh signifikan positif dan inflasi memiliki pengaruh signifikan negatif terhadap ROA BTPS. Sedangkan Akumulasi Pinjaman P2P lending dan CKPN tidak berpengaruh signifikan terhadap ROA BTPS.

Implikasi. Penelitian ini dapat membantu manajemen PT Bank BTPN Syariah Tbk dalam merumuskan strategi yang lebih efektif untuk meningkatkan kinerja mereka di pasar yang semakin kompetitif. Dengan memahami faktor-faktor kinerja yang terpengaruh oleh pertumbuhan P2P lending, bank dapat merancang strategi yang lebih baik untuk mengoptimalkan operasi dan meningkatkan daya saing.

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