The purpose of this study was to determine the effect of Business Efficiency, Liquidity and Business Risk variables partially and simultaneously on Rural Banks (BPR), Regional Owned Enterprises (BUMD) in NTB. The population in this study were all Regional Owned Enterprise Rural Banks in NTB. The results of this study indicate that the business efficiency variable proxied by the leverage multiplier and the cost of loanable funds, the liquidity variable proxied by loan to assets, and the business risk variable proxied by Credit Risk do not all partially have a significant effect on profitability. proxied by net income to total assets at BPR BUMD in NTB, where the leverage multiplier and credit risk variables partially have a negative relationship and have a significant effect on profitability as proxied by net income to total assets at BPR BUMD in NTB, while the variable cost of loanable funds partially has a negative relationship and does not have a significant effect on profitability as proxied by net income to total assets at BPR BUMD in NTB and the variable loan to assets partially has a positive relationship and does not have a significant effect on profitability that is proxied by de with net income to total assets at BPR BUMD in NTB. While the business efficiency variable which is proxied by the leverage multiplier and the cost of loanable funds, the liquidity variable which is proxied by loan to assets, and the business risk variable which is proxied by Credit Risk simultaneously has a significant effect on profitability which is proxied by net income to total assets at the BPR. BUMD in NTB
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