PENGARUH RASIO LIKUIDITAS, KUALITAS AKTIVA, SENSITIVITAS PASAR, EFISIENSI DAN SOLVABILITAS TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM SWASTA NASIONAL DEVISA

The function of banks is to collect funds from the public and to benefit from the profits banks can measure using ROA . This study aims to determine whether the liquidity ratio , asset quality , market sensitivity , efficiency and solvency effect on ROA . The object of this study presented is BUSN foreign exchange , with data taken in first quarter of 2011 to the last quarter of 2015. For this study the sampling technique used purposive sampling . Data taken is secondary data . For technical analysis of research data using SPSS 22 analysis . the results of these studies show that the LDR , NPLs, PDN , IRR , BOPO, FBIR and PR significantly affect ROA and BOPO is the most dominant variable affecting ROA. Keyword : LDR, NPL, PDN, IRR, BOPO, FBI, PR and RO