Abstract
This study aims to analyze the effect of capital adequacy (capital adequacy ratio), credit risk (non-performing loan), liquidity (loan to deposit ratio), and operational efficiency (BOPO) on LPD profitability in Karangasem Regency. This research was conducted in all LPDs throughout the Karangasem Regency for the period 2015-2017. The number of samples used was 108 LPD through probability sampling method with cluster sampling technique (sampling area). This study uses a non-participant observation method and uses multiple linear regression analysis. Based on the results of the analysis, this study shows that partially capital adequacy and liquidity have a significant positive effect on return on assets in the LPD in Karangasem Regency for the period 2015-2017. Credit risk and operational efficiency partially have a significant negative effect on ROA in Karangasem Regency LPD.
 Keywords: capital adequacy, credit risk, liquidity, operational efficiency, profitability
 
Highlights
This study aims to analyze the effect of capital adequacy, credit risk, liquidity, and operational efficiency (BOPO) on Lembaga Perkreditan Desa (LPD) profitability in Karangasem Regency
This study aims to analyze the effect of capital adequacy (capital adequacy ratio), credit risk (non-performing loan), liquidity (loan to deposit ratio), and operational efficiency (BOPO) on LPD profitability in Karangasem Regency
Based on the results of the analysis, this study shows that partially capital adequacy and liquidity have a significant positive effect on return on assets in the LPD in Karangasem Regency for the period 2015-2017
Summary
Penelitian ini bertujuan untuk menganalisis pengaruh kecukupan modal (capital adequacuacy ratio), risiko kredit (non performing loan), likuiditas (loan to deposit ratio), dan efisiensi operasional (BOPO) terhadap profitabilitas LPD di Kabupaten Karangasem. Penelitian ini dilakukan pada semua LPD se-Kabupaten Karangasem periode 2015-2017. Jumlah sampel yang digunakan sebanyak 108 LPD melalui metode probability sampling dengan Teknik cluster sampling (area sampling). Penelitian ini menggunakan metode observasi non partisipant dan menggunakan analisis regresi linier berganda. Berdasarkan hasil analisis penelitian ini menunjukkan bahwa secara parsial kecukupan modal dan likuiditas berpengaruh positif signifikan terhadap return on asset pada LPD di Kabupaten Karangasem periode 2015-2017. Risiko kredit dan efisiensi operasional secara parsial berpengaruh negatif signifikan terhadap ROA pada LPD Kabupaten Karangasem. Kata kunci: kecukupan modal, risiko kredit, likuiditas, efisiensi operasional, profitabilitas
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