Analisis Profitabilitas Menggunakan BOPO Terhadap ROA Pada Bank Perkreditan Rakyat (BPR) Di Kota Jambi (Periode 2022-2023)

The purpose of this research is to determine the profitability of public credit at PT. BPR Kota Jambi using BOPO and ROA. The research method used in this article is descriptive quantitative. The population used in this study is the financial reports of BPRs in the city of Jambi, with a total of 15 banks from the period 2022 – 2023, accessed from www.ojk.ac.id. The data collection method is documentation, consisting of data from the financial reports of BPR Kota Jambi. The data analysis technique used in this study is the profitability ratio. Based on the results of the research and discussion, it shows that the fifteen BPRs in the city of Jambi have different financial performances from one another. Some BPR experienced an increase in the BOPO ratio, Perumda BPR Universal Sentosa successfully maintained rank 1 (Very Good) throughout the period with Efficiency increasing in 2023 by 24.43%. Then, in the Return On Assets (ROA) Ratio, Perumda BPR Universal Sentosa experienced an increase in the ROA ratio and successfully maintained rank 1 (Very Good). Overall, Perumda BPR Universal Sentosa is more efficient and utilizes assets better to maximize profits.