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A quantitative descriptive approach is applied using Bank BJB financial statements, with literature and documentation studies as data collection methods. Multiple linear regression is used to test the effects. Results show external financing has a good and significant partial impact on ROA, consumer lending also shows a good and significant partial impact, and both variables jointly produce a favorable effect on ROA profitability.",{"@graph":69,"@context":115},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/the-impact-of-outside-funds-and-consumer-lending-against-profitability-return-on-asset-roa-for-the-years-2012-through-2021-at-bank-bjb-abstract/231109/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/the-impact-of-outside-funds-and-consumer-lending-against-profitability-return-on-asset-roa-for-the-years-2012-through-2021-at-bank-bjb-abstract/231109.png","ImageObject",300,407,{"name":92,"@type":93},"Riley","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-04","2026-09-10",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",14,{"@type":107,"mainEntity":108},"FAQPage",[109],{"name":110,"@type":111,"acceptedAnswer":112},"What conclusions does the study reach about DPK and consumer lending?","Question",{"text":113,"@type":114},"DPK has a good and significant partial effect on ROA profitability, consumer lending also has a good and significant partial effect, and together both variables have an important and favorable impact on ROA profitability.","Answer","https://schema.org",{"og:url":83,"og:type":117,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":119,"canonical":83},"index,follow",{"doc_id":121,"site_id":62},231109,1789059501,{"code":4,"msg":5,"data":124},{"doc_id":121,"user_id":125,"nickname":92,"user_avatar":126,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":127,"file_id":128,"file_url":129,"file_type":130,"file_size":131,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":44,"language":132,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":133,"faqs":134,"seo_title":135,"seo_description":67,"update_tm":122,"read_time":136,"preview_page_count":4},1374391975076,"https://ap-avatar.wpscdn.com/avatar/14000253ca4ec9f6853?x-image-process=image/resize,m_fixed,w_180,h_180&k=1783305029341752051","The Impact of Outside Funds and Consumer Lending Against Profitability Return On Asset (ROA) for The Years 2012 Through  \n2021 at Bank BJB  \nYayu Rahayu  \nUniversitas Adhirajasa Reswara Sanjaya  \n[yayu.sr09@gmail.com](yayu.sr09@gmail.com)  \nAbstrak  \nTujuan penelitian ini adalah untuk mengetahui 1) hasil pembiayaan eksternal (DPK) terhadap profitabilitas return on asset (ROA) . 2) Bagaimana hasil profitabilitaspinjaman konsumen terhadap return on asset (ROA)? 3) Bagaimana pengaruhpembiayaan eksternal (DPK) dan pembiayaan konsumen terhadap profitabilitas return on asset (ROA) ? Metodologi penelitian yang digunakan adalah metodependekatan deskriptif kuantitatif. Partisipan dalam penelitian ini adalah seluruhlaporan keuangan Bank BJB sejak berdirinya sampai dengan tahun 2021. Teknik pengumpulan data dilakukan melalui studi pustaka dan studi dokumentasi. Regresilinier berganda digunakan untuk menganalisis analisis data. Penyelidikan ini menghasilkan kesimpulan bahwa DPK mempunyai pengaruh yang baik dan penting terhadap profitabilitas return on aset (ROA), secara parsial pinjaman konsumen mempunyai pengaruh yang baik dan signifikan terhadap profitabilitas return on aset (ROA), dan kemudian DPK dan pinjaman konsumen secara bersama-sama mempunyai pengaruh yang penting. dan dampak yang menguntungkan pada profitabilitas ROA.  \nKata kunci: Kredit Konsumen, Pembiayaan Eksternal, Profitabilitas Return On Asset (ROA) .  \nAbstract  \nThe aim of this investigation was to discover 1) the results of external financing (DPK) on return on asset (ROA) profitability. 2) How is the result of consumer lending on return on asset (ROA) profitability? 3) How is the impact of external financing (DPK) and consumer financing on return on asset (ROA) profitability? The study's research methodology is the quantitative descriptive approach method. Participants in this study are all of Bank BJB's financial statements from its establishment through 2021. The data gathering technique was completed through a literature review a documentation study. Multiple linear regression is employed to analyze the data analysis. This investigation came to the conclusion that DPK has a favorable and important impact return on asset (ROA) profitability, partially consumer lending has a good and significant impact on return on asset (ROA) profitability, and then DPK and consumer lending together have an important and favorable impact on ROA profitability.  \nKeyword: Consumer Credit, External Financing, Return On Asset (ROA) Profitability.  \n1 Introduction  \nAs explained in Law Number 7 of 1992 relating to Banking, amended by Law Number 10 of 1998 \"Banks are businesses that collect money by way of deposits and usually distribute it to the public on credit or in other ways to improve their level of living”. Banking institutions are among the backbones of the national economy because they function as intermediaries between capital owners (fund providers) and capital users (users of funds) to start the economy of a country. Banks are the main and most persuasive financial institutions in small and large-scale economies (Sudiyatno & Suroso, 2010) .  \nCurrent conditions encourage financial businesses to be more imaginative and creative in creating and obtaining new sources of funding. Thus, it is not business as usual because competition among banks to attract capital from the general public is getting tighter. Because for banks, capital is actually very important; without capital, banks will not work effectively (Puspitasari, 2009: 2) . Considering the meaning of banks above, the conclusion that the primary endeavor of banks is to raise funds and distribute or redistribute funds raised to the public. Because the source of bank funding comes from public deposits, banks do not only pay attention to how much profit is obtained from the collection of public funds.  \nTo raise the community's standard of living, banks must help the community by channeling funds and providing credit or loan","cbCaimJfQwYtYyBn","https://ap.wps.com/l/cbCaimJfQwYtYyBn","pdf",256691,"English","# Introduction\n## Background and banking role\n## External financing and profitability\n## Credit policy and profitability measurement","[{\"question\":\"What conclusions does the study reach about DPK and consumer lending?\",\"answer\":\"DPK has a good and significant partial effect on ROA profitability, consumer lending also has a good and significant partial effect, and together both variables have an important and favorable impact on ROA profitability.\"}]","The Impact of Outside Funds and Consumer Lending Against Profitability Return On Asset (ROA) for The Years 2012 Through 2021 at Bank BJB - Abstract | PDF",23]