<mets:mets OBJID="eprint_78071" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-09-09T20:59:17Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>Institutional Repository UIN Sunan Kalijaga Yogyakarta</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_78071_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>DETERMINAN PROFITABILITAS (ROA) PADA BANK PEREKONOMIAN RAKYAT (BPR) DAN BANK PEREKONOMIAN RAKYAT SYARIAH (BPRS) DI DIY (2021-2024): STUDI KOMPARATIF FAKTOR INTERNAL</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">NIM.: 22108020059</mods:namePart><mods:namePart type="family">Ayustina Difani</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>Penelitian ini bertujuan untuk mengetahui pengaruh faktor internal terhadap ROA serta membandingkan variabel independen antara BPR dan BPRS di DIY periode 2021-2024. Penelitian ini menggunakan pendekatan kuantitatif dengan analisis regresi data panel. Hasil dari penelitian ini menunjukkan bahwa pada BPR di DIY, variabel KPMM, PPAP, dan total aset tidak berpengaruh terhadap ROA, sedangkan variabel BOPO dan NPL berpengaruh negatif signifikan terhadap ROA. Pada BPRS di DIY, variabel NPF dan PPAP tidak berpengaruh terhadap ROA, variabel KPMM dan total aset berpengaruh positif signifikan terhadap ROA, sedangkan variabel BOPO berpengaruh negatif signifikan terhadap ROA. Adapun hasil dari Man Whitney U Test menunjukkan bahwa terdapat perbedaan signifikan antara BPR dan BPRS di DIY pada variabel NPL/NPF, PPAP, dan total aset, sedangkan variabel KPMM dan BOPO tidak menunjukkan perbedaan signifikan. Secara praktis, penelitian ini mengimplikasi pentingnya pengelolaan beban operasional secara efisien, penerapan analisis kelayakan pembiayaan yang cermat untuk meminimalkan risiko kredit, serta optimalisasi modal dan aset untuk mendukung perluasan penyaluran kredit dan pembiayaan.&#13;
Kata Kunci: Profitabilitas (ROA), KPMM, BOPO, NPL, NPF, PPAP, Total Aset, BPR, BPRS, DIY</mods:abstract><mods:classification authority="lcc">Perbankan Syariah</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8061">2026-07-08</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAM</mods:publisher></mods:originInfo><mods:genre>Thesis</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_78071"><mets:rightsMD ID="rights_eprint_78071_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
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