PENGARUH RISIKO USAHA TERHADAP RETURN ON ASSET (ROA) PADA BANK PEMERINTAH

The purpose of the research is to determine where variable LDR, IPR, APB, NPL, IRR, PDN, BOPO and FBIR simultaneously or partially have signifficant toward ROA on Goverment National Banks.Data colleging method used in this research is secondary data source from quarterly financial statement from banks. Financial statement appendix researched from first quarterly financial statement 2010 until fourth quarterly financial statement 2014. Data analysis technique used in this research in multiple regression analysis, F-test and T-test. This study uses four Goverment National Banks as its samples. However since this study uses Sensus technique. Research period started fourth quarterly 2010 until second quarterly 2014.The result of research shows that LDR, IPR, APB, NPL, IRR, PDN, BOPO and FBIR have significant influence simultaneously to ROA on Goverment National Banks. NPL and FBIR partially have positive insignificant influence toward ROA on Goverment National Banks. LDR, IPR, PDN and BOPO have partially have negative insignificant influence toward ROA on Goverment National Banks. APB partially have negative significant influence toward ROA on Goverment National Banks. And IRR partially have negative significant influence toward ROA on Goverment National Banks. Keyword : Business Risk and RO