SUMMARY
The purpose of this research is to expand the insight on credit in terms of analysis of Loan to Deposit Ratio (LDR) and Non-loan performing (NPL) at Rural Bank of Bandung City. The research methodology is descriptive and verification research. The population in this study was Rural Banks Bandung Period 2014 - 2019 which amounted to 29. In this study, the sampling technique used is non-probability sampling and the method is purposive sampling. Based on the sample criteria, the sample in this study is Rural Banks Bandung period 2014 - 2019 which amounted to 24 companies. The analytical method used in this research is multiple linear regression analysis using SPSS 20. The result showed that NPL and LDR affected profitability (ROA). From the hypothesis test results obtained, the amount of influence of NPL and LDR on profitability is 11%. The research is limited to the Rural Bank of Bandung City and only focuses on the effect of Non-Performing Loan and Loan to Deposit on Profitability.