PENGARUH RESIKO USAHA TERHADAP RETURN OF ASSET (ROA) PADA BANK PEMBANGUNAN DAERAH

The purpose of the research is to determine LDR, IPR, APB, NPL, IRR, and BOPO and simultaneously and partially have a significant influence toward ROA. And whether the effect of partially have a significant influence toward ROA.This research explains how the independent variables causing the dependent variable. Independent variables are LDR, IPR, APB, NPL, IRR, and BOPO while the dependent variable is ROA. The method of sampling is purposive, where there are three Regional Development Bank chosen as research samples are BPD South Kalimantan, BPD West Kalimantan, BPD North Sulawesi and BPD South and West Sulawesi. And the technique used in this research is multiple linear regression.The result of this research are LDR, IPR, APB, NPL, IRR, and BOPO. ssimultaneously have a significant influence toward ROA. Partially LDR have a significant influence toward ROA, but the other side happened to IPR, APB, NPL, IRR, and BOPO which don’t have a significant influence toward ROA. And the last result, the dominant variable which influencing ROA is LDR. Keywords: Liquidity Risk, Credit Risk, Market Risk, Operational Risk, and Return On Ass