PENGARUH PEMBERIAN KREDIT TERHADAP PROFITABILTAS (ROA) (Studi kasus PT Bank Rakyat Indonesia Tahun 2018-2020)

Abstract

The ability of a bank to generate profits (profit) will depend on the ability of bank management to manage assets and liabilities in the bank, and quantitatively can be assessed using Return On Assets (ROA). Therefore, one of the main types of analysis used to assess or measure the level of bank profitability ratios is Return On Assets (ROA). The ability of a bank to generate profits (profit) will depend on the ability of bank management to manage assets and liabilities in the bank, and quantitatively can be assessed using Return On Assets (ROA). Therefore, one of the main types of analysis used to assess or measure the level of bank profitability ratios is Return On Assets (ROA). to find out data on the effect of lending on profitability (ROA) at BRI Syariah. This study uses quantitative methods with statistical tests using the SPSS program. The secondary data source used in this study is data originating from the BRI Syariah monthly financial report document which is recorded and published at the website address: www.ojk.go.id from 2018-2020. in this study is the Return On Assets (ROA) at BRI Syariah based on the results of statistical calculations it can be stated that there is an effect of the Credit variable on the Return On Assets (ROA) variable but it is not significant. This can be seen from the value of sig. 0.134 is greater than the probability value (α=0.05), and tcount is 1.536b which is greater than ttable is 1.694. Meanwhile, from the results of statistical calculations, it is known that there is a positive relationship between Credit and Return On Assets (ROA). This can be seen from the correlation coefficient value of 0.262, meaning that the better the lending, the higher the Return On Assets (ROA) financial ratio will be.Keyword : Credit, Return On Assets (ROA)