Pengaruh Kredit Macet Dan Penyaluran Kredit Terhadap Profitabilitas Perbankan Pada Bank Papua Kantor Cabang Utama (KCU) Merauke

Abstrak

This research aims to analyze the influence of bad debts and credit distribution on the profitability of Bank Papua, Merauke Main Branch Office. This quantitative study utilizes primary data collected through a questionnaire-based survey, employing a Likert Scale for measurement. The results show that bad debts significantly affect the profitability of Bank Papua, as indicated by the linear regression equation Y = 2.638 + 0.937X₁. The t-test results demonstrate that the t-count value (33.593) exceeds the t-table value (1.672), confirming a significant effect at a 95% confidence level with a 5% alpha, with bad debts contributing 95.1% to profitability, while the remaining 4.9% is influenced by other factors. Similarly, credit distribution also has a significant impact on profitability, represented by the equation Y = 9.034 + 0.782X₂. The t-test results indicate that the t-count value (12.532) is greater than the t-table value (1.672), with credit distribution contributing 73.0% to profitability and the remaining 27% being attributed to other factors. When analyzed simultaneously, bad debts and credit distribution together significantly influence the profitability of Bank Papua, as reflected in the regression equation Y = 2.696 + 1.012X₁ + 0.079X₂. The F-test results show that the F-count value (573.135) exceeds the F-table value (3.156), confirming a simultaneous effect at a 95% confidence level. Together, bad debts and credit distribution account for 95.1% of profitability, with 4.9% influenced by other variables. These findings demonstrate that both bad debts and credit distribution play a crucial role in determining the profitability of Bank Papua, Merauke Main Branch Office.