<![CDATA[ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh risiko likuiditas, kecukupan modal, risiko kredit, risiko operasional terhadap profitabilitas. Penelitian ini dilakukan pada LPD di Kota Denpasar periode 2013-2015 melalui teknik sampling jenuh, yaitu teknik penentuan sampel bila semua anggota populasi digunakan sebagai sampel, sehingga sampel akhir yang didapat adalah 35 LPD. Metode pengumpulan data yang digunakan adalah metode observasi non participant dengan teknik analisis data regresi linier berganda. Berdasarkan hasil analisis yang ditemukan bahwa loan to deposit ratio, capital adequacy ratio secara parsial berpengaruh positif signifikan terhadap profitabilitas, sedangkan non performing loan, biaya operasional pendapatan operasional secara parsial berpengaruh negatif signifikan terhadap profitabilitas. Kata kunci: loan to deposit ratio, capital adequacy ratio, non performing loan, biaya operasional pendapatan operasional ABSTRACT The purpose of this study is to determine the effect of liquidity risk, capital adequacy, credit risk, operational risk to profitability. This research was conducted in all LPD in Denpasar 2013-2015 periods. The samples in this study were 35 LPD through non probability sampling. Methods of data collection in this study using observation non participant and used multiple linear regression analysis as data analysis technique. the result of the study indicatethat loan to deposit ratio and capital adequacy ratio positive significant effect on profitability, non performing loan and the operational cost to operational expenses negative significant effect on profitability. Keywords : loan to deposit ratio, capital adequacy ratio, non performing loan, the operational cost to eperational expenses]]>
