<![CDATA[Banks are financial institutions that can collect and distribute funds directly to the public for profit. In carrying out these functions and objectives, the bank has a strategy of raising funds and distributing credit. The purpose of this study was to determine the effect of Third-Party Fund Performance, and Consumption Credit on Profitability. The research method used is descriptive and verification methods with a quantitative approach with a sample of 28 units of secondary data. The data analysis technique used is multiple linear regression. The results of the research analysis show that partially Third-Party Funds have no significant effect on Return on Assets (ROA); Cost of Funds has a significant effect on ROA and Consumption Credit has no significant effect on ROA. Simultaneously Third-Party Funds, Cost of Funds, and Consumption Credit have a significant effect on ROA.]]>
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