PENGARUH LIKUIDITAS, KUALITAS AKTIVA DAN MAKRO EKONOMI TERHADAPRETURN ON ASSET ( ROA ) PADA BANK LOKAL SINGAPURA

Bank is one of the financial institutions that have activities to raise funds from the public in the form of savings and channel them to the public in the form of credit or other forms of other banking business. Composition for profit. The level of banks' ability to benefit measured by Return on Assets (ROA). To achieve the expected ROA, banks are required to because each bank business activities that involve the use of an asset or profit-oriented always exposed to various risks that must be faced. The purpose of this study was to examine the effect of liquidity, asset quality ratios, and Macro Economic Conditions in ROA in Banking in Singapore during the period of 2004-2013 years. Data were analyzed using multiple linear regression method. The results of this study found that the NPL significant negative effect on ROA. In addition, this study proves that there is no significant positive effect between LDR, LAR, IPR ECONOMIC GROWTH, inflation and interest rates, and have a negative effect on ROA insignificant. Keywords: liquidity, quality LDR, LAR, IPR, NPL, ECONOMIC GROWTH, INFLATION and INTEREST RATE