Pengaruh Pengelolaan Keuangan Bank Perekonomian Rakyat Melalui Rasio LDR, NPL, dan BOPO Terhadap Kinerja Keuangan Yang Diukur Dengan ROA di Wilayah Kota Depok periode 2015-2023

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Discussion

Quantitative analysis reveals LDR improves ROA while NPL and BOPO negatively affect financial performance in BPRs.

LDR positively impacts ROA, enhancing the financial management of BPRs in Depok City.
NPL and BOPO significantly harm ROA, demonstrating challenges in asset quality and operational efficiency.
Analysis employed panel data regression with fixed effect model to assess independent variable impacts on financial performance.
Findings emphasize the need for improved credit management and operational strategies to boost BPR profitability.

Fauzi et al. (2025) studied this question.

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