PENGARUH RISIKO KREDIT, RISIKO OPERASIONAL, DAN RISIKO LIKUIDITAS TERHADAP PROFITABILITAS LPD DI KECAMATAN BEBANDEM
Bibliographic record
Abstract
Profitability is a ratio that can assess how the VCI's ability to generate profits is. The high profitability of the LPD indicates a good VCI performance. This study aims to determine the effect of credit risk, operational risk, and liquidity risk on profitability. This research was conducted at the VCI in the District of Bebandem, Karangasem Regency, Bali 2015-2019. The data collection method used is a non-behavioral observation method with multiple linear regression data analysis techniques. The results of the study indicate that credit risk has a negative and significant effect on profitability. Operational risk has negative and significant effect on profitability. Liquidity Risk has positive and significant effect on Profitability. VCI profitability can be maximized by applying the principle of prudence, monitoring and supervising VCI operations to minimize expenses and provide sufficient liquidity and balanced with good credit distribution. Keywords:, Credit Risk, Operational Risk, Liquidity Risk, Profitability.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.003 | 0.001 |
| Meta-epidemiology (narrow) | 0.001 | 0.001 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.005 | 0.000 |
| Scholarly communication | 0.000 | 0.002 |
| Open science | 0.002 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.008 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".