PENGARUH RISIKO USAHA TERHADAP PROFITABILITAS PADA BANK UMUM SWASTA NASIONAL NON DEVISA

The purpose of this study was to determine whether the LDR, IPR, APB, NPL, IRR, BOPO, and FBIR had a significant effect either simultaneously or partially to ROA. The population is the Non Foreign Exchange National Private Commercial Bank s, the sampling te chnique is purposive sampling so the selected Bank s are Kesejahteraan Ekonomi Bank , Yudha Bakti Ban k , and Mandiri Taspen Pos Bank . Data collected by the methods of documentation, and data analiysis technique is multiple linier regression analysis. The conc lusion of the research are LDR, IPR, APB, NPL, IRR, BOPO and FBIR simultaneously have a significant effect toward ROA. APB and BOPO partially have negative significant effect toward ROA. IPR and FBIR partially have negative unsignificant effect toward ROA. LDR , IRR , and NPL partially have positive unsignificant effect toward ROA, and the most dominant effect toward ROA is BOPO. Keywords : Liquidity Risk, Credit Risk, Market Risk, Operational Risk