Pengaruh Risiko Usaha Terhadap Profitabilitas Bank Pembangunan Daerah

The purpose of this study is analyse the influence of LDR, IPR , IRR , PDN, NPL, APB, BOPO, FBIR to ROA in Bank Pembangunan Daerah. The sample of this study consisted of three banks: BPD Jawa Timur, BPD Jawa Tengah and BPD Jawa Barat. Data and methods of data collection in this study used secondary data taken from the financial statements of the Bank Pembangunan Daerah. The period is from the first quarter of 2013 until the second quarter of 2018. The technique of analyze data are descriptive analysis and linear regression analysis. The results of this study indicate that LDR, IPR, IRR, PDN, NPL, APB, BOPO, FBIR, simultaneously have a significant effect on ROA in Bank Pembangunan Daerah. Partial IPR has non-significant positive effect on ROA in Bank Pembangunan Daerah. LDR, PDN, NPL, APB, FBIR partially have non-significant negative effect on ROA at the Bank Pembangunan Daerah. IRR partially has a significant positive effect on ROA. BOPO partially has a significant negative effect on ROA in Bank Pembangunan Daerah. Keywords: Liquidity Risk, Market Risk, Credit Risk and Operational Risk