<![CDATA[Rural Banks (BPR) is one of the banking industries in which its primary activity is collecting fund from the public and then the bank distributes its fund in order to obtain profit. Therefore it is important for the bank to keep public trust, since its business activity relies onpublic trust. The purpose of this research is to test empirically the influence of interest rates, banking ratio, and productive assets to the financial performance on PT BPR Prima Kredit Utama that is located on Surabaya in 2010-2013. The sample which is banking company is PT BPR Prima Kredit Utama. The data is financial statement of PT BPR Prima Kredit Utama and the interest rates in the website of Bank Indonesia in 2010-2013. Theinterest rates, non performing loan (NPL), loan to deposit ratio (LDR), cash adequacy ratio (CAR), operating cost compare to operating revenue (BOPO) and growth assets are employed as the dependent variables whereas the return on assets (ROA) is employed as the dependent variable. The multiple linear regressions which are examined by using t-test and F-test are used as the analysis technique. The research data is normally distributed during the period of observation. Based on the normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test the variablethat deviatesfromthe classicalassumptions has not been found yet. It shows that the available datahas met the requirement by using model of multiple linearregressions. The result of the research shows that non performing loan (NPL), loan to deposit ratio (LDR), cash adequacy ratio (CAR), operating cost compare to operating revenue (BOPO) variables have positive influence to the return on assets (ROA), while the interest rates and the growth of productive assets have negative influence to the return on assets (ROA). The prediction capability of these six variables to the return on assets (ROA) in this research is 35.8%, whereas the remaining 64.2% is influenced by other factors which are not included in this research model.Keywords: Interest, Deposit, Loans.]]>
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