Pengaruh Suku Bunga, Modal Kerja, Risiko Kredit Macet terhadap Profitabilitas Kelompok Bank Digital dengan di Moderasi Pertumbuhan Kredit Tahun 2021-2024

NATU, Niken Ryana (2025) Pengaruh Suku Bunga, Modal Kerja, Risiko Kredit Macet terhadap Profitabilitas Kelompok Bank Digital dengan di Moderasi Pertumbuhan Kredit Tahun 2021-2024. Masters thesis, Universitas Katolik Widya Mandira.

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Abstract

The thesis entitled “The Effect of Interest Rates, Working Capital, and Non-Performing Loan Risk on the Profitability of Digital Bank Groups Moderated by Credit Growth in 2021–2024” written by Niken Ryana Natu (NIM:811231026), under the supervision of Dr. Stani Man, SE., M.Si as the first advisor and P. Dr. Paskalis Seran, SVD, Dipl Theol, MBA as the second advisor. This study employs a quantitative research approach. The population consists of 30 digital banks operating during 2021–2024, from which 9 banks were selected using purposive sampling. Secondary data were used, collected through documentation of publicly published annual financial reports for the 2021–2024 period. The descriptive analysis shows that during 2021–2024, Indonesia’s benchmark interest rate exhibited an upward trend, while the working capital of digital banks generally increased, with considerable variation across banks. Non-performing loans remained below the regulatory threshold of 5%, and credit growth fluctuated due to differing expansion strategies. Profitability (ROA) remained relatively low, with only a few banks—such as Allo Bank, Bank Amar, and Krom Bank—meeting the OJK’s healthy standards. The inferential analysis reveals that interest rates, working capital, and credit growth have a positive and significant effect on profitability, whereas non-performing loans show no significant effect. Credit growth is found to weaken the influence of interest rates and non-performing loans on profitability, but does not moderate the effect of working capital. Simultaneously, interest rates, working capital, non-performing loans, and credit growth significantly affect the profitability of digital banks. Based on the findings, digital bank managers are encouraged to design adaptive strategies that consider fluctuations in interest rates, non-performing loan risk, working capital management, and credit growth to ensure long-term financial stability amid the volatility of the digital banking sector. Future research is recommended to include additional variables not covered in this study.

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