Abstract
Profitability is a ratio that can assess how the VCI's ability to generate profits is. The high profitability of the LPD indicates a good VCI performance. This study aims to determine the effect of credit risk, operational risk, and liquidity risk on profitability. This research was conducted at the VCI in the District of Bebandem, Karangasem Regency, Bali 2015-2019. The data collection method used is a non-behavioral observation method with multiple linear regression data analysis techniques. The results of the study indicate that credit risk has a negative and significant effect on profitability. Operational risk has negative and significant effect on profitability. Liquidity Risk has positive and significant effect on Profitability. VCI profitability can be maximized by applying the principle of prudence, monitoring and supervising VCI operations to minimize expenses and provide sufficient liquidity and balanced with good credit distribution.
 Keywords:, Credit Risk, Operational Risk, Liquidity Risk, Profitability.
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