<p><em>The existence of Rural Banks (BPR) in assisting the development and economic progress of the community, especially in rural areas is very important. The purpose of this article is to examine and analyze the factors that determine the performance of the profitability of conventional rural banks in West Sumatra. To test the effect of each variable CAR, LDR, BOPO, and NPL on profitability (ROA) statistical methods and data processing are used with the SPSS program. The type of data used is secondary data obtained from Bank Indonesia, namely the conventional BPR Publication Report in West Sumatra in 2012-2016. The population in this study is conventional BPR in West Sumatra and the sample is taken by purposive sampling method, so that 85 observations are obtained. Data were analyzed using multiple linear regression. Based on the results of the study found that the internal factors of the bank CAR, LDR, BOPO and NPL have a significant effect on the profitability (ROA) of conventional BPR in West Sumatra.</em></p><p> </p><p>Keberadaan Bank Perkreditan Rakyat (BPR) dalam membantu perkembangan dan kemajuan ekonomi masyarakat terutama di wilayah pedesaaan sangat penting. Tujuan dari artikel ini adalah untuk menguji dan menganalisis faktor-faktor yang menjadi penentu kinerja profitabilitas BPR konvensional di Sumatera Barat (Sumbar). Untuk menguji pengaruh dari masing-masing variabel CAR, LDR, BOPO, dan NPL terhadap profitabilitas (ROA) digunakan metode statistik dan pengolahan data dengan program SPSS. Jenis data yang digunakan adalah data sekunder yang diperoleh dari Bank Indonesia yakni Laporan Publikasi BPR konvensional di Sumbar tahun 2012 – 2016. Populasi dalam penelitian ini BPR konvensional di Sumatera Barat dan pengambilan sampel dengan <em>purposive sampling method,</em> sehingga diperoleh sebanyak 85 pengamatan. Data dianalisis dengan menggunakan regresi linear berganda. Berdasarkan hasil penelitian ditemukan bahwa faktor-faktor internal bank CAR, LDR, BOPO dan NPL berpengaruh signifikan terhadap profitabilitas (ROA) BPR konvensional di Sumatera Barat.</p>

The purpose of this research is to test the influence of Profitability variable by using Return On Equity (ROE), Leverage by using Debt to Equity Ratio (DER), and Liquidity variabel by using Current Ratio (CR), to the Dividend Payout Ratio (DPR) on manufacturing sector company are listed in Indonesian Stock Exchange in 2013-2017 periods. In this research the data used was obtained from the official IDX website. This research was included in the explanatory research using quantitative approach. Data analysis method used is regression analysis in panel data with the help of application E-Views. Panel data regression estimatedr using Random Effect Model (REM).The result showed that the profitability has a negative and hasn't significant effect on Dividend Payout Ratio, Leverage has a negative and significant effect on Dividend Payout Ratio, while Liquidity has a positive and hasn't significant effect on Dividend Payout Ratio. PENDAHULUANPada era globalisasi sekarang ini, bisnis berkembang pesat dan banyaknya terjadi persaingan antar bisnis. Setiap perusahaan harus dapat mempertahankan perusahaannya serta mengembangkan usahanya agar memperoleh laba. Perusahaan akan mempertimbangkan mengenai laba yang diperolehnya, apakah akan ditahan atau diberikan langsung kepada pemegang sahamnya. Keputusan yang dipertimbangkan mengenai laba tersebut dinamakan kebijakan dividen. Dalam melakukan investasi seorang investor memiliki harapan agar mendapatkan tingkat pengembalian berupa return (pendapatan) baik berupa dividend yield (pendapatan dividen) ataupun capital gain (pendapatan selisih harga jual saham terhadap harga beli) (Arifin & Asyik, 2015).Menurut Brigham & Houston, (2010) kebijakan dividen dalam perusahaan dapat menentukan pembagian dari keuntungan yang harus dibayarkan kepada pemegang saham (investor) serta banyaknya yang akan ditanam kembali kedalam perusahaan. Salah satu sumber dana yang digunakan untuk membiayai

<p><em>The purpose of this study is to examine the effect of liquidity as measured by LDR (Loan to Deposit Ratio) and Loan to Asset Ratio on the profitability (Return on Asset) of Rural Bank (BPR) in Padang City. The data used are secondary data obtained by documentation method taken from publication reports of Bank Indonesia and Rural Banks in Padang City during the period of 2010 - 2015 quarter. The population used in this study are all existing BPR in Padang city and sample selection Based on purposive sampling with the number of 93 observations. Data analysis was done by using multiple linear regression. The results showed that the liquidity measured by the ratio of LDR and LAR did not significantly affect the profitability (ROA) of BPR in Padang City.</em></p><p><em><br /></em></p>

The purpose of this research is to expand the insight on credit especially in terms of how the procedure settlement credit problematic conducted by PT. BPR Prima Mulia Anugrah Branch Padang. In analyzing the data, the authors use qualitative analysis method by outlining the data systematically from the facts obtained are then linked with bad debt resolution procedure on PT. BPR Prima Mulia Anugrah Branch Padang. The results of this study indicate the causes of the occurrence of bad debt caused by the bank's internal factors and influence factors of ektern (customer). Where the bank less meticulous when doing an analysis of the feasibility of a credit is given. Should the customer not deserve credit, but because of slipshod or incorrectly customer assessment into deserves credit. and from the ektern (the customer) that the existence of an economic downturn customer credit which received the customer used to develop the business and the business wound up. The completion of bad debt is done PT BPR PMA Branch Padang refers to the process of restructuring of credit in the form of rescheduling, or rescheduling, reconditioning or changes the terms of restructuring and realignment of the back.

The purpose of this research was conducted to find out how the ratio of earning ratios on PT. Bank Pembangunan Daerah Sumatera Barat. The research method used is the method of qualitative and quantitative data analysis. The type of data used, namely secondary data obtained from Bank Indonesia and the publication of the report of the regional development banks of West Sumatra 2013 period – 2017. The results of this study showed that the rate of ROA with an average of 2.18% bank is said to still be in the position of the less healthy. The level of ROE also showed the unhealthy conditions in the bank with an average of 8.32% which means that banks are inefficient in generating net income, while the levels of NPM with an average of 3.92% banks increase whice means that the bank is said to be good at generating net income.