This study aims to determine the effect of CAR, LDR, and NPL on the profitability of Rural Banks in East Nusa Tenggara Province for the period 2017 – 2022. The purpose of this study is to determine the effect of capital adequacy, credit risk, liquidity risk, and operating costs on BPR profitability with a research sample of 11 banks. The research method used in this research is purposive sampling method. The data analysis technique uses panel data regression with a random effect model.
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