RISIKO KREDIT, RISIKO LIKUIDITAS, RISIKO OPERASIONAL DAN PROFITABILITAS

Abstract

Bank Perkreditan Rakyat (BPR) is a bank whose role is to collect and channel funds.
Banks that carry out business activities conventionally or based on sharia principles which in
their activities do not provide services in payment traffic. Several studies on the effect of the
level of credit risk (NPL), liquidity risk (LDR), operational risk (BOPO) on profitability (ROA) have
been carried out. However, the results of these studies still show inconsistency. This study aims
to reexamine the influence of the level of credit risk (NPL), liquidity risk (LDR) and operational
risk (BOPO) on profitability (ROA).
This research was conducted at the Bank Perkreditan Rakyat in Gianyar district in
2015-2017. The sampling technique used was purposive sampling technique. The sample in
this study amounted to 22 People’s Credit Banks with a total of 66 observations. Data analysis
techniques used multiple linear regression analysis.
The results showed that credit risk (NPL) and liquidity risk (LDR) had no effect on profitability
BPR in Gianyar Regency 2015-2017 while operational risk (BOPO) negatively affected
profitability BPR in Gianyar Regency 2015-2017 so the research hypothesis this is accepted.