مجلة الإقتصاد الجديد
Volume 17, Numéro 2, Pages 73-84
2026-07-01

Determinants Of Bank Profitability In Microfinance Banks: A Case Study Of Bank Rakyat Indonesia (bri) For The Period (2005-2024).



Authors : Haouadef Faiza . Amine Alsayyed Muin . Khatir Mohammed .

Abstract

This study aimed to identify the determinants of banking profitability in one of the largest microfinance banks in the world, Bank Rakyat Indonesia (BRI), over the period 2005–2024. Using the Autoregressive Distributed Lag (ARDL) model, the study analyzed the impact of capital adequacy, liquidity, and operational efficiency on Return on Assets (ROA). The results showed that operational efficiency (BOPO) is the main determinant, exerting a strong negative effect on profitability, confirming that the success of microfinance banks depends on controlling the high operating costs associated with small-scale lending. The study also revealed the existence of a long-run equilibrium relationship (cointegration) among the variables.

Keywords

Microfinance, Bank Profitability, Bank Rakyat Indonesia (BRI), ARDL Model, Operational Efficiency (BOPO), Cointegration

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