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

The research aims to analyze whether the nine variables such LDR, IPR, APB, NPL, IRR, PDN, BOPO and FBIR simultaneously and partially has significant influence to ROA on Commercial Banks The Private Sector National Devisa. Sample in this research are National Private Commercial Banks such as Commercial Bank Arta Graha Bank International, Commercial Banks of Economic Prosperity Bank, Mayapada Bank, Mutiara Bank, IBBC bank andsinarmas Bank. Technique of data analyzing in this research is descriptive analyze and using multiple linier regression analyze. The result of research show that LDR, IPR, APB, NPL, IRR, PDN, BOPO and FBIR jointly have a significant influence againts ROA on National Private Commercial Banks. LDR and FBIR partially have an significant positive influence to ROA on National Private Commercial Banks. APB, NPL, and BOPO partially have an significant negative influence to ROA on National Private Commercial Banks. IRR and PDN partially have an significant influence to ROA on National Private Commercial Banks. Keywords: Liquidity, Asset Quality, Sensitivity, Efficiency and ROA