PENGARUH RISIKO USAHA TERHADAP RETURN ON ASSET (ROA) PADA BANK PEMBANGUNAN DAERAH DI PULAU JAWA

The purpose of the bank is a high gain so that profits can be used to finance operations and future expansions. To measure the ability of the banks to make a profit can use ROA ratio. The factors that affect the ROA is a risk. Risk is the degree of uncertainty about an outcome that is expected or anticipated to be received. Risk consists of liquidity risk, credit risk, market risk, and operational risk. This research aims to determine whether the LDR, IPR, NPL, IRR, PDN, BOPO, and, FBIR have significant influence simultaneously and partially to ROA. The data collection method that being used in this research is secondary data that taken from financial report of The Regional Banks, started from the first quarter of 2009 until the fourth quarter of 2012. The technique of data analyzing in this research is descriptive analyze and using multiple linear regression analyze, F test, and T test. The research sample determination criteria is three Regionals Banks that has the assets total between 10 trillion to 35 trillion rupiah on December 2012 and has been a foreign exchange bank. Based on criteria, sample that being used is BPD Jateng, BPD Jatim, and BPD DKI. The results of this research are LDR, IPR, NPL, IRR, PDN, BOPO, and FBIR have significant influence simultaneously to ROA. There are three variables that is not significant, those are NPL, IRR and PDN. Significant variables are LDR, IPR, BOPO, and FBIR. Key words : LDR, IPR, NPL, IRR, PDN, BOPO, FBIR and RO