PENGARUH LIKUIDITAS, KUALITAS AKTIVA, EFISIENSI, DAN SOLVABILITAS TERHADAP ROA PADA BANK UMUM SWASTA NASIONAL DEVISA

This study aims to analyze whether the LDR, IPR, APB, NPL, BOPO, FBIR, PR, and FACR have a significant effect simultaneously and partial on ROA in National Private Commercial Bank Foreign Exchange. The sample are four banks, namely: Bank Danamon, Bank Internasional Indonesia, Bank OCBC Nisp, and Bank UOB Indonesia. Data and data collection methods in this research is secondary data extracted from financial statement of go public banks in Indonesia Going from the first quarter of 2010 until quarter two of 2014. Data analyzes techniques in the research is multiple regression analysis. The result showed that the LDR, IPR, APB, NPL, BOPO, FBIR, PR, and FACR have a significant effect on ROA simultaneously to the National Private Commercial Bank Foreign Exchange. IPR, APB, and PR partially have negative effect unsignificant on ROA in National Private Commercial Bank Foreign Exchange. NPL, FBIR, and FACR have positive effect unsignificant on ROA in National Private Commercial Bank Foreign Exchange. On the other hand, partially BOPO have negative effect significant on ROA in National Private Commercial Bank Foreign Exchange. And LDR have positive effect significant on ROA in National Private Commercial Bank Foreign Exchange. The result showed that the most dominant effect to ROA is BOPO and LDR. Keyword: Liquidity, Asset Quality, Efficiency, and Solvency Toword ROA