THE EFFECT OF CREDIT DISTRIBUTION AND CREDIT RISK ON PROFITABILITY WITH BOPO AS A MODERATING VARIABLE IN BPR IN TEGAL REGENCY AND CITY IN 2016-2022

Abstract

This research aims to determine the effect of Credit Distribution and Credit Risk on Profitability. As well as to determine BOPO's ability to moderate the influence of Credit Distribution and Credit Risk on Profitability in BPR in Tegal Regency and City registered with the Financial Services Authority (OJK) in 2016-2022. This research uses quantitative methods. The data collection technique used is documentation, namely secondary data in the form of company financial reports. The population in this research is Conventional BPR in Tegal Regency and City in 2016-2022. The sample for this research consisted of 14 companies selected based on purposive sampling. The data analysis technique used is Moderate Regression Analysis (MRA). The results of this research partially show that Credit Distribution has no effect on BPR Profitability in Tegal Regency and City, Credit Risk has a negative effect on BPR Profitability in Tegal Regency and City, BOPO failed to moderate the influence of Credit Distribution has no effect on BPR Profitability in Tegal Regency and City, BOPO failed
to moderate the influence of Credit Risk has no effect on BPR Profitability in Tegal Regency and City.