PENGARUH LIKUIDITAS, KUALITAS AKTIVA, SENSITIVITAS TERHADAP PASAR DAN EFISIENSI TERHADAP ROA BANK UMUM SWASTA NASIONAL DEVISA

The purpose of the research is to determine LDR, IPR, LAR, APB, NPL, PDN, IRR, BOPO and FBIR simultaneously and partially have significant influence toword ROA. And wether the effect of partially have a significant influence toward ROA. This research explains how the independent variables causing the dependent variable. Independent variables are LDR, IPR, LAR, APB, NPL, PDN, IRR, BOPO and FBIR while the independent variable is ROA. The method of sampling is purposive, where there are four foreign exchange national private general bank chosen as research samples are PT Bank Artha Graha International, Tbk, PT Bank Mayapada Internasional, Tbk, PT Bank Ekonomi Raharja, Tbk and PT Bank ICBC Indonesia. And the technique used in this research is multiple linier regression. The result of this research are LDR, IPR, LAR, APB, NPL, PDN, IRR, BOPO and FBIR simultaneously have a significant influence toward ROA. Partially LAR, IPR, BOPO and FBIR have a significant influence toward ROA, but the other side happened to LDR, APB, NPL, PDN and IRR which don’t have a significant influence toward ROA. And the last result, the dominant variable which influencing ROA is BOPO. Keywords : foreign exchange national private general bank, liquidity, asset quality, sensitivity to market risk and efficiency