Pengaruh Nilai Perkiraan dan Kredit Terhadap Profitabilitas Pada PT Pegadaian (Persero) Cabang Pasar Rumput Jakarta

Abstract

This research aims to determine the influence of the Estimated Amount and Loan Money on Net Profit at PT Pegadaian (Persero) Branch Pasar Rumput both partially and simultaneously. This is a quantitative study with the subject of financial report data at PT Pegadaian (Persero) Branch Pasar Rumput. Sampling was done using purposive sampling method, obtained from monthly financial report data of PT Pegadaian from the period 2018-2020. Data collection in this study used documentation techniques, literature methods, and interviews. The research employed classical assumption test techniques, multiple regression analysis, determination coefficient test, F test, and t test. The results of this study, using a 5% error rate, are as follows: 1). The Estimated Amount has a negative and insignificant influence on net profit, as indicated by the t-value of 1.611 and Sig value of 0.117. 2). Loan Money has a positive and significant influence on net profit, with a t-value of 3.130 and Sig value of 0.004. Meanwhile, in the simultaneous test or F test, both the Estimated Amount and Loan Money together have a significant effect on net profit, with an F value of 18.465 and Sig value of 0.000. It is concluded that 50% of the Estimated Amount (X1) and Loan Money (X2) together affect Net Profit (Y). The remaining 50% (100% - 50% = 50%) is explained by other variables not included in this study