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

The purpose of the research is to determine where variable LDR, IPR, NPL, IRR, PDN, BOPO and FBIR simultaneously or partially have significant effect toward ROA on Devisa Private National Banks.Independent variables in this study, namely Liquidity Risk (LDR) (IPR), Credit Risk (NPL), Interest Rate Risk (IRR), Foreign Exchange Risk (PDN), Operastional Risk (BOPO) (FBIR), and of dependent variable that is Return On Assets (ROA). Sampel in this research are three banks, namely : Bank Danamon, Bank Pan Indonesia, Bank Permata. Data and collecting method in this research is the secondary data which is taken from financial report on Devisa Private National Banks started from the first quarter until fourth quarter,period of 2010 until 2013. The technique of data analyzing in this research is descriptive analyze and using analyze multiple linier regression. The result of research shows that LDR,IPR,NPL,IRR,PDN,BOPO and FBIR have significant influence simultaneously to ROA on devisa private national banks.LDR,IPR, and NPL partially have negatif insignificant influence toward ROA on devisa private national banks ,IRR,PDN,BOPO, and FBIR partially have positif insignificant influence toward ROA on devisa private national banks. And then liquidity risk and credit risk partially have negatif insignificant influence toward ROA on devisa private national banks. Market risk and operational risk partially have positif insignificant influence toward ROA on devisa private national banks. Keywords : business risk, LDR, IPR, NPL, IRR, PDN, BOPO, FBIR and ROA