PENGARUH RASIO CAMEL TERHADAP RENTABILITAS PADA PT. BPR DI WILAYAH KABUPATEN BADUNG TAHUN 2016-2018

Abstract

This study aims to determine and analyze the effect of the level of financial ratios (Capital Adequacy Ratio, Non Performing Loans, Operational Costs versus Operating Income, and Loan to Deposit Ratio) on Profitability (Return On Asset) at Rural Banks in Badung Regency, namely 147 banks. . Determination of the sample using purposive sampling method. Rentability shows the level of a bank's ability to use its own assets to generate profits. The greater the profitability, the better the financial performance, because the level of profit or return achieved is also large. This study also aims to enable prospective customers to know whether or not a bank's performance is healthy before deciding to become a customer at a bank.  The analysis technique used is multiple linear regression. The results showed that the variable Capital Adequacy Ratio and Loan to Deposit Ratio had a positive effect on Profitability, while the variable Non Performing Loans and Operating Costs compared to Operating Income (BOPO) had a negative effect on Profitability.