ANALISIS FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP PROFITABILITAS PADA BPR DI PROVINSI BALI

Abstract

Profitability is the ability of banks to make profits for a certain period.The high profitability of banks shows good bank performance. The purpose of this study was to determine the effect of credt risk, liquidity risk, operational efficiency risk.on the profitability of BPR.  The research population is 138 BPR listed on the OJK in 2016-2018. The sample of this study were 123 BPR which were determined based on the purposive sampling method, with a research year of 3 years, the data used is secondary data.  The analysis technique in this study using multiple linear regression analysis techniques. Others also done a classic assumption test covering normality test, multicolinierity test, heteroscedastisity test and autocorrelation test. Based on the results of multiple linear regression showed credt risk have negative effect on the profitability of BPR, liquidity risk has not significant effect on the profitability of BPR and operational efficiency have a negative effect on the profitability of BPR.