PENGARUH LIKUIDITAS, KUALITAS ASSET, DAN EFISIENSI TERHADAP ROA PADA BANK PEMBANGUNAN DAERAH

The purpose of this study was to determine the effect of the liquidity, asset quality, and efficiency to ROA on Regional Development Banks by using independent variabel LDR, IPR, APB, NPL, BOPO, FBIR, and NIM and analyze the influence Partially and simultaneously to ratio . Population used in this study is the Regional Development Banks. The technique used in sample selection using purposive sampling. The samples used in this research are PT. BPD DKI, PT. BPD Jawa Tengah, and PT. BPD Jawa Timur. The data used is secondary dat a and linier regression analysis using the F test and t test. This research used the study period from the one quarter of 2011 to two quarter 2016. The result of this study are LDR, IPR, APB, NPL, FBIR, BOPO, and NIM simultaneously have a significant influ ence on ROA in the Regional Development Banks. LDR and BOPO partially have a significant positive effect. IPR, APB, NPL, and NIM partially have significant negative effect. FBIR partially have significant positive effect. Of the seven variables studied LDR has the most dominant influence. Keywords : Liquidity, Asset Quality, Efficiency, ROA, Regional Development Bank