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

The purpose of the research is to determine LDR, IPR, APB, NPL, IRR, PDN, BOPO and FBIR simultaneously and partially have 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, PDN, BOPO and FBIR while the dependent variable is ROA. The method of sampling is purposive, where there are three foreign exchange national private general bank chosen as research samples are PT Bank Central Asia, Tbk, PT Bank Cimb Niaga, Tbk, and PT Bank Permata, Tbk. And the technique used in this research is multiple linier regression. The result of this research are LDR, IPR, APB, NPL, IRR, PDN, BOPO and FBIR simultaneously have a significant influence toward ROA. Partially BOPO have a significant influence toward ROA, but the other side happened to LDR, IPR, APB, NPL, IRR, PDN dan FBIR which don't have a significant influence toward ROA. And the last result, the dominant variable which influencing ROA is BOPO Keywords : Liquidity, Asset Quality, Sensitivity, Efficiency and ROA