PENGARUH TINGKAT RISIKO KREDIT, RISIKO LIKUIDITAS, RISIKO OPERASIONAL, RISIKO TINGKAT BUNGA DAN KECUKUPAN MODAL TERHADAP PROFITABILITAS BANK PERKREDITAN RAKYAT DI KOTA DENPASAR TAHUN 2016-2019

Abstract

Bank Perkreditan Rakyat (BPR) is a bank whose role is to collect and channel funds to the public. The main objective of BPR is to obtain profitability. This study aims to determine the effect of credit risk (NPL), liquidity risk (LDR), operational risk (BOPO), interest rate risk (NIM) and capital adequacy (CAR) on profitability (ROA) at BPR in Denpasar City 2016-2019. using a population of 21 BPR units in Denpasar City and using a purposive sampling technique with the results of 20 active BPR units as the sample in this study.

            The analytical method used is multiple linear regression analysis equipped with descriptive statistics, classical assumption tests and model feasibility tests. Hypothesis testing is done using the F test and t test. The data used in this study is the financial ratio data of rural banks in Denpasar City from 2016-2019, so that the number of observational data is 80. These results indicate that simultaneously credit risk, liquidity risk, operational risk, interest rate risk and capital adequacy have an effect on profitability at BPR in Denpasar City with a significant on the F test below 0.05 percent. Partial hypothesis testing shows that liquidity risk, interest rate risk have a positive effect on BPR profitability and credit risk has a negative effect on BPR profitability with a significant effect on the t test below 0.05 percent respectively, while operational risk and capital adequacy have no effect on BPR profitability. significantly on the t test above 0.05 percent.