PENGARUH RASIO EFISIENSI, KUALITAS AKTIVA, LIKUIDITAS, SENSITIVITAS DAN SOLVABILITAS TERHADAP ROA PADA BANK SWASTA NASIONAL NON DEVISA

This research aims to analyze whether the LDR, APB, NPL, BOPO, FBIR, FACR, PR, IPR and IRR have partially significant influence to ROA on Go Public National Private General Banks. The sample of this research are five banks, namely : PT. Bank Harda International, PT. Bank Jasa Jakarta, PT. Bank Kesejahteraan Ekonomi, PT. Bank Pundi Indonesia, PT. Bank Tabungan Pensiunan Nasional, and collecting data method in this research is secondary data which is taken from financial report of Go Public National Private General Banks started from the first quarter period of 2009 until the fourth quarter period of 2011. The technique of data analyzing in this research is descriptive analyze and using multiple linear regression analyze. The result of research shows that LDR, IPR, PR have partially positive significant influence to ROA on National Commercial Private Non-Bank Foreign Exchange, that APB and FACR have negative significant to ROA on National Commercial Private Non-Bank Foreign Exchange . FBIR partially have positif unsignificant influence to ROA on National Commercial Private Non-Bank Foreign Exchange. BOPO, and NPL partially have negatif unsignificant influence to ROA on National Commercial Private Non-Bank Foreign Exchange. Key words : Liquidity Ratio, Asset Quality Ratio, Solvability Ratio, Eficiency Ratio and Sensitivity Rati