Pengaruh Likuiditas, Kualitas Aktiva, Sensitivitas, Dan Efisiensi, Terhadap Return On Asset (Roa) Bank Pembangunan Daerah Konvensional

The purpose of this study was to determine the effect of LDR, LAR, IPR, APB, NPL, IRR, BOPO, and FBIR simultaneously and partially on ROA. In addition, this study also determines whether these factors partially have a significant effect on ROA. The population consists of the Conventional Regional Development Bank (Bank Pembangunan Daerah/BPD)and the samples were from the selected banks, namely BPD Kalteng, BPD Lampung, and BPD Maluku and North Maluku. Methods of collecting data in this study using secondary data and documentation. The data were taken from the published reports of BPDs on the Financial Services Authority website starts from the first quarter of 2013 to the second quarter of 2018. The data were analyzed using a descriptive analysis and multiple linear regression analysis. The results indicate that LDR, LAR, IPR, APB, NPL, IRR, BOPO, and FBIR simultaneously have a significant effect on ROA in Bank Pembangunan Daerah (BPD). LDR, LAR, IPR, NPL, and IRR partially have no significant and positive effect on ROA. Yet, partially FBIR has a significant and positive effect on ROA. Partially, APB has no significant negative effect on ROA. Yet, partially BOPO has a significant and negative effect on ROA in Bank Pembangunan Daerah. Finally, the independent variable that has the most dominant effect on ROA is BOPO. Key Word :Liquidity Ratio, Asset Quality, Sensitivity, Efficiency, ROA, Regional Development Bank