Pengaruh Resiko Kredit Yang Diberikan dan Tingkat Likuiditas Terhadap Profitabilitas Perbankan Yang Terdaftar di Bursa Efek Indonesia

The purpose of this study was to investigate the effect of credit risk are given and the level of liquidity to the banking companies listed in Indonesia Stock Exchange. Pupolasi research is banking companies listed in Indonesia Stock Exchange period from 2007 to 2009. The sample study with purposive sampling where there are 20 companies that meet the criteria for sample selection. The data used are secondary data obtained from the website of Indonesia and the Indonesian Stock Exchange Capital Market Directory 2007 - 2009. The variables used in this research consists of two independent variables namely the risk of loans and the level of liquidity, while the dependent variable is profitability. Risk ratio of loans using the ratio of non-performing loans and liquidity levels are used Loan to deposit ratio, while profitability ratios used in Return On Assets.Data analysis techniques used are statistical analysis techniques where prior conduct statistical tests on the first hypothesis test to determine fatherly noumalitas hypothesis testing instruments. Testing was performed with SPSS program. The SPSS used was SPSS 16.0.From this research can be concluded that partial risk loans have negative significant effect on profitability and liquidity levels of small effect on profitability. While simultaneously influence the risk of loans and liquidity levels have a significant effect on profitability.