ABSTRAK Penelitian ini bertujuan untuk mengetahui adanya pengaruh rasio likuiditas terhadap profitabilitas di PT. BPRS Madinah Kabupaten Lamongan tahun 2011-2014 baik secara parsial maupun secara simultan, dengan menggunakan 3 variabel untuk mengukur likuiditas yaitu variabel CR (Cash ratio), FDR (Financing to deposit ratio), dan ALR (Assets to loan ratio) sedangkan profitabilitas di ukur menggunakan ROA (Retun on assets). Pendekatan penelitian yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan jenis penelitian kuantitatif korelasionalyang melibatkan hubungan satu atau lebih variabel dengan satu atau lebih variabel lain. Teknik analisis yang digunakan dalam penelitian ini adalah regresi linier berganda dan uji hipotesis menggunakan Uji t untuk menguji pengaruh antar variabel X dengan variabel Y secara parsial serta Uji F untuk menguji variabel X terhadap variabel Y secara bersama-sama dengan nilai signifikansi 0.05 (5%). Berdasarkan hasil penelitian menunjukkan bahwa nilai Adjusted R square pada hasil uji koefisien determinasi sebesar 0.476 yang menunjukkan 47.6% profitabilitas (ROA) dapat dijelaskan oleh cash ratio, financing to deposit ratio, dan assets to loan ratio sedangkan sisanya sebesar 52.4% dijelaskan oleh variabel lain yang tidak termasuk dalam model regresi. Berdasarkan uji t cash ratio berpengaruh negatif signifikan terhadap profitabilitas (ROA), dan Financing to deposit ratio berpengaruh positif signifikan terhadap profitabilitas (ROA), sedangkan assets to loan ratio tidak berpengaruh signifikan terhadap profitabilitas (ROA). Kata Kunci :Return on assets, Cash ratio, Financing to deposit ratio, Assets to loan ratio

ABSTRACT BPRS MadinahLamongan in 2011-2014 either partially or simultaneously by using three variables for measuring the liquidity, namely CR (Cash Ratio), FDR (Financing to Deposit Ratio), and ALR (Assets to Loan Ratio), while the profitability is measured by using ROA (Return on Assets). This study uses quantitative approach to the type of quantitative correlation which involving the relationship of one or more variables with one or more other variables. The analysis technique which used in this study is multiple linier regression and t test is used as the hypothesis test to test the effect between variable X with variable Y partially and F test to test variable X to variable Y together with the significance value of 0,05 (5%). Based on the results of the study, it is shown that the value of Adjusted R squareon the test results of determination coefficient of 0,476 which show that 47,6% profitability (ROA) can be explained by cash ratio, financing to deposit ratio, and assets to loan ratio, while the remaining of 52,4% is explained by other variables that not included in the regression model. Based on t test, cash ratio has a significant negative effect on profitability (ROA), and Financing to deposit ratio has significant positive effect on profitability (ROA), while assets to loan ratio does not has significant effect on profitability (ROA). Keywords: Return on assets, Cash ratio, Financing to deposit ratio, Assets to loan ratio

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