Analisis Pengaruh Kinerja Kredit Mikro terhadap Profitabilitas PT. Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Sidoarjo

This research aims at examining the effect of micro credit perfor­mance consisting of total credit, total credit delinquent, and non perform­ing Loan, to profitability of PT Bank Rakyat Indonesia Sidoarjo. Data in this research was collected through interview and documentation from 25 franchis of PT Bank Rakyat Indonesia. Using data analysis technique of multiple linier regression, this research provides evidences: total credit affects significanly the profitability of the banks, while the other two inde­pendent variables, credit delinquent and non performing Loan, show no significanly effect on the profitability. Based on these findings it is recom­mended that firms (banks) provide guidance concerning so that BRI is able to maintain financial sustainability. Keywords: micro credit performance, profitabilit