The Effect of Inflation, Economic Growth, and Leverage on Change in Profit: The Moderating Role of Interest Rate Levels at Regional and Branch Offices of PT. Bank Rakyat Indonesia (Persero) Tbk. in North Sumatra Province

The amount of profit at PT. Bank Rakyat Indonesia (Persero) Tbk. In North Sumatra Province, Indonesia is still not optimal. The purpose of this research is to test and analyze the impact of various factors such as Inflation, Economic Growth, Leverage, and Interest Rates as moderating variables on Profit Changes. The population in this research is all financial reports of PT—Bank Rakyat Regional Offices and Branches in North Sumatra Province. Meanwhile, the sample in this research is PT’s financial report. Bank Rakyat Regional Offices and Branches in North Sumatra Province from 2018 to 2023, thus there are 6 Annual Reports. Researchers will utilize the data in the financial reports of the Regional Office and Branch Offices of PT Bank Rakyat Indonesia (Persero) Tbk. in the region as a research data source. The analysis process in this research was carried out using the Eviews. The findings of this research show that: Inflation has a negative effect and Economic Growth has a positive impact on Profit Changes. In addition, interest rates can only moderate the impact of inflation and leverage on changes in profits.