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

The purpose of the research is to determine LDR, IP R, APB, NPL, IRR, PDN, BOPO and FBIR simultaneously and partially have sig nificant 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 a nd FBIR while the dependent variable is ROA. The method of sampling is purposiv e, where there are three foreign exchange national private general bank chosen as re search samples are PT Bank Pan Indonesia, Tbk, PT Bank Maybank Indonesia, Tbk, and PT Bank Danamon, 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 simulta neously have a significant influence toward ROA. Partially BOPO have a signifi cant 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 resu lt, the dominant variable which influencing ROA is BOPO Key words : Liquidity, Asset Quality, Sensitivity, Efficiency and ROA