THE EFFECTS OF NIM, LDR AND BOPO ON BALINESE PEOPLE’S CREDIT BANK (BPR) PROFITABILITY OF TABANAN

ABSTRACT: Risks that are inseparable from banking operations make Banks, especially BPRs have to payattention to the soundness of the bank, both in terms of credit, liquidity and efficiency. The purpose of this studywas to known the effect of NIM, LDR and BOPO on the profitability of BPR in Tabanan. The research methodused was purposive sampling and obtained a sample of 40. The results of this study indicate that NIM has apositive effect on profitability, LDR has no effect on profitability, while BOPO has a negative effect onprofitability. BPRs can maintain the soundness level of banks by paying attention to efficiency bank operations soas not to have a negative impact on BPR profitability.

KEYWORDS : NIM, LDR, BOPO and Profitability