Main Article Content

Abstract

This study aims to determine and analyze the effect of lending and placement of funds in other banks on the ability of banks to increase profitability. The study was taken data from one of the XYZ micro banking institutions in West Sumatra, based on year-end financial data from 2009 to 2019. This research uses a quantitative approach. The data source used is secondary data in the form of financial statement data for micro banking institutions for 11 (eleven) years. The data analysis method uses the Ordinary Least Square (OLS) method. The results showed that partially lending had a negative and significant effect on increasing profitability, placement of funds in other banks had a negative and insignificant effect on the increase in profitability of XYZ micro banking. Simultaneously, the variable of credit distribution and placement of funds in other banks has a significant effect on the increase in profitability of the XYZ micro banking institution

Keywords

Credit distribution, placement of funds with other banks and profitability

Article Details

Author Biography

Nasfi, STES Manna Wa Salwa, Padang Panjang

Name                    : Nasfi
Occupation          : Lecturer
NIDN                     : 1002126903
Affiliation              : STES Manna Wa Salwa
Study Program    : Islamic Banking
Sinta ID                 : 6700148

Scopus ID             :57211658256

ORCID icon https://orcid.org/0000-0002-6980-0247

 

 

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