PENGARUH KOMPETENSI PROFESIONAL GURU, MOTIVASI DAN DISIPLIN KERJA TERHADAP KINERJA GURU PONDOK PESANTREN DARUL AMAN GOMBARA MAKASSAR

Abstrak

This study aims to explore the impact of savings interest rates and time deposit interest rates on the financial performance of PT Bank Negara Indonesia (PERSERO) Kc Mattoangin, Makassar. In this study, the sample was obtained through purposive sampling, which included savings interest rates, time deposit interest rates, and return on assets (ROA) with quarterly time series data from 2020 to 2024. The method used to analyze the data in this study was quantitative analysis. The results of this study show that partially and simultaneously, the savings interest rate (X1) and time deposit interest rate (X2) variables do not have a positive or significant effect on the profitability variable (Y). This is indicated by the F-test results with a significance level of 0.65 > 0.05 and the T-test results of the savings interest rate variable against the profitability variable with a significant value (0.734 > 0.05), while the time deposit interest rate variable against profitability has a significant value of (0.98 > 0.05). The coefficient of determination (R2) value of 0.935 indicates that the savings interest rate and time deposit interest rate variables are able to explain 93.5% of the profitability variable, while the remaining 65% of the profitability variable is explained by other factors.