PENGARUH LIKUIDITAS, KUALITAS AKTIVA,SENSITIVITAS,DAN EFISIENSI TERHADAP ROA PADA BANK BUMN

Bank is a financial intermediary in financial transaction and provides other financial services to its customer. Because the importances of bank in run the function, so a policy needs to make. The ability of profit can be measure by ROA that is a comparison ratio between Asset and profit before tax.This study aims to analyze the effect of LDR, IPR,LAR,APB,NPL,IRR,PDN,BOPO,FBIR toward ROA to government bank. Based on the data type, this study categorize as casual study. This study also used secondary data and multiple regresio analysis.The result of this study finds that LDR, IPR, APB, NPL, IRR, PDN,BOPO, FBIR have a significant and simultaneously impact toward ROA in government bank. This study also finds that IRR and BOPO have a partial positive and significant impact toward ROA in government bank. While the LDR,IPR, APB, NPL, PDN has a negative and not significant impact toward ROA in government bank. LAR and FBIR have a positive and not significant impact toward ROA in government bank. Key words: Liquidity Performance, Asset Quality, Sensitivity Market, Efficienc