SUMMARY
AbstractThis study aims to determine the effects of Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDRon the Profitability of Rural Banks at National Private sector. The study uses a method with Purposive Sampling. The samples involved were as many as 30 data sources using the observation collection data technique. The analytical tool used is SPSS 25. This data is analyzed by Descriptive Statistics, Classical Assumption Test, Multiple Linear Regression, T Test, and f Test. The results of the study prove that CAR and LDR have a simultaneous influence on ROA at Bank NationalPrivate Sector. Partially, CAR has a positive and significant effect on ROA, LDR has a negative and significant effect on ROA . Keywords - Capital Adequacy Ratio (CAR), Loan to Ratio (LDR), and Return On Assets (ROA). Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) Tehadap Profitabilitas Bank Swasta Nasional. Penelitian ini termasuk jenis penelitian kuantitatif. Teknik sampel yang digunakan adalah Purposive Sampling. Sampel yang digunakan sebanyak 30 data observasi. Alat analisis yang digunakan adalah SPSS 25. Data ini dianalisis dengan Deskriptif Statistik, Uji Asumsi Klasik, Regresi Linear Berganda, Uji t, dan Uji f. Hasil penelitian ini membuktikan bahwa CAR dan LDR berpengaruh secara simultan terhadap ROA pada Bank Swasta Nasional. Secara parsial CAR berpengaruh positif dan signifikan terhadap ROA, LDR berpengaruh negatif dan signifikan terhadap ROA. Kata Kunci - Capital Adequacy Ratio (CAR), Loan Deposit to Ratio (LDR), dan Return On Asset(ROA).