PENGARUH RISIKO USAHA TERHADAP RETURN ON ASSET (ROA) PADA BANK UMUM SWASTA NASIONAL DEVISA

The title of this research is the influence of business risk to word Return on Assets (ROA) in the foreign exchange bank. The population of this studi is foreign exchange bank one goal is profile. The criteria used in this study is bank with total assets between Rp. 5 Trilion to Rp. 10 trilion as of June 2012. Based on these criteria, was selected of the sample population this stuy there ara 5 (five) bank there are. Bank Himpunan Saudara, Bank ICB Bumi Putera, Bank Mestika Dharma, Bank Nusantara Parahyangan and Bank Windu Kentjana.The result of the research has that variabel LDR, IPR, NPL, BOPO, FBIR,IRR and PDN simultaneously significant effect on the Bank’s ROA. Partially LDR, IPR , NPL, BOPO, IRR and PDN have significan effect to work ROA. Amons the seven independent variabeles BOPO have the most dominant contribution. Keywords : Bussiness Risk, Return On Asset (ROA). x