PENGARUH RASIO LIKUIDITAS, KUALITAS A S ET, SENSITIVITAS, EFISIENSI, DAN PERMODALAN TERHADAP ROA PADA BANK PEMBANGUNAN DAERAH

The purpose of this study was to determine whether a variable LDR, IPR, LAR, APB, NPL, IRR, BOPO, FBIR, and PR have influence significant simultaneously or partially toward ROA on Regional Development Banks. the population in this study was Regional Development Bank, and samples in reseach are BPD Kalimantan Barat, BPD Kalimantan Selatan, BPD Nusa Tenggara Timur, and BPD Sulawesi Utara. Collection methods in this research was secondary data and documentation. the data are taken from publication of regional development bank in website otoritas jasa keuangan starts from the first quarter of 2011 to two quarter of 2016. Data analysis techniques in this research is descriptive analysis and of mul tiple linear regression analysis. The result of the research shower that LDR, IRP, LAR, APB, NPL, IRR, BOPO, FBIR, and PR simultaneously have influence significant toward ROA on Regional Development Banks. LDR, and PR partially have influence positive sign ificant toward ROA on Regionl Development Banks. IPR, LAR, NPL, IRR, BOPO, and FBIR partially have influence negative unsignificant toward ROA on Regional Development Banks. APB partially have influence positive unsignificant toward ROA on Regional Develop ment Banks. Variable PR have influence dominant toward ROA on Regional Development Banks. Key word : Liquidity Ratio, Asset Quality, Sensitivity, Efisiency, Capitaly, ROA, Regional Development Banks