PENGARUH LIKUIDITAS, KUALITAS AKTIVA, SENSIVITAS DAN EFISIENSI TERHADAP RETURN ON ASEETS PADA BANK PEMBANGUNAN DAERAH

This research aims to analyze whether the LDR, IPR, APB, NPL, PDN, IRR, BOPO and FBIR have a significant influence simultaneously and partial on ROA in Regional Development Bank. The sample of this research are three banks, namely : BPD Bali, BPD Sumatera Barat and BPD Sumatera Selatan&Bangka Belitung. Data and collecting data methods in this research is secondary data which is taken from financial report of regional development banks started from going from the first quarter of 2010 until quarter two of 2014. The technique of data analyzing in this research is descriptive analyze and using multiple linear regression analyze.Based on calculations and result from using SPSS 19.0 for windows, state that LDR, IPR, APB, NPL, PDN, IRR, BOPO and FBIR have significant influence simultaneously to Return On Asset on Regional Development Banks. LDR, NPL, PDN, and FBIR have positive unsignificant influence partially to Return On Asset on Regional Development Bank. IPR, APB, IRR have negative unsignificant influence partially to Return On Asset on Regional Development Bank. On the other hand, BOPO have negative significant influence partially to Return On Asset on Regional Development Bank. The result showed that the most dominant effect to ROA is BOPO. Keyword : Liquidity, Asset Quality, Sensitivity, Efficiency, ROA