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

The purpose of the research is to determine where variable LDR, IPR, NPL, IRR, PDN, CAR and BOPO simultaneously or partially have significant effect toward ROA on goverment national banks. Data collecting 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 2012. data analysis technique used in this research in multiple regression analysis, F-test and T-test. Research determination criteria are four on goverment national bank. Based on those criteria then samples used are BNI, BRI, BTN and Bank MANDIRI. Research period started first quarterly 2010 until fourth quarterly 2012. The result of research shows that LDR, IPR, NPL, IRR, PDN, CAR and BOPO have significant influence simultaneously to ROA on goverment national banks.. LDR, IPR and PDN partially have negative insignificant influence toward ROA in national goverment banks. IRR, CAR partially have positive insignificant influence and partially have negative insignificant influence toward ROA on goverment national banks. NPL and BOPO partially have negative significant influence toward ROA on goverment national banks. Key words : Business Risk and RO