Pengaruh Kecukupan Modal, Likuiditas, Efisiensi Operasi, dan Risiko Kredit terhadap Kinerja Bank pada BPR Konvensional Kabupaten Kulon Progo yang Terdaftar di Bank Indonesia Tahun 2014-2016

The purpose of this study is to examine the effect of capital adequacy, liquidity, operational efficiency, and credit risk on bank performance in Rural Banks (BPR) Conventional Kulon Progo Regency registered in Bank Indonesia period 2014-2016. This research is a quantitative research. The data used are secondary data obtained from the Rural Bank Publication Financial Report issued by Bank Indonesia period 2014-2016. The data collection method used is literature study and documentary study. The population in this study is all BPRs in Kulon Progo Regency registered with Bank Indonesia. Sampling technique using saturated samples which means all populations are used as samples. The statistical test apparatus uses SPSS 20 which is used to test classical assumptions and statistical analysis. The results of this study indicate that simultaneously variable capital adequacy, liquidity, operating efficiency, and credit risk significantly affect the ROA. Then the variable of capital adequacy and liquidity have no effect to bank performance, while operating efficiency and credit risk have a significant negative effect to bank performance