THE EFFECT OF CAPITAL ADEQUACY AND CREDIT RISK ON PROFITABILITY WITH LIQUIDITY AS A MEDIATION IN RURAL BANKS IN BADUNG REGENCY
RJOAS May 2025 by Buana I Putu Pujanam Surya, Candradewi Made Reina (Faculty of Economics and Business, University of Udayana, Bali, Indonesia) Profitability is an important indicator for banks to assess banking performance in earning profits. It is also a reflection of the management's effectiveness in managing the company. To increase profitability, rural banks need to focus on capital adequacy ratios, credit risk, and liquidity. Capital adequacy plays a role in maintaining financial stability and supporting business growth. At the same time, credit risk reflects the extent to which banks can manage loans disbursed so as not to cause non-performing loans...