Pengaruh Likuiditas, Kualitas Aset, Sensitivitas Pasar, Dan Efisiensi Terhadap Roa Pada Bank Umum Swasta Nasional Devisa Go Public

Bank is one of the financial instutions that engaged in finance sector. As a business bank has goal to achieve profit continuously for the bank sustainable in the future. The factors that can influence ROA are liquidity, asset quality, market sensitivity and efficiency aspects. The purpose of this study to determine partially and simultaneously significant effect of independent variables LDR, LAR, IPR, NPL, APB, IRR, PDN, BOPO and FBIR toward ROA and what is the most variable influence of ROA. This study used secondary data from first quarter 2013 to second quarter 2018 Bank Umum Swasta Nasional Devisa Go Public’s financial statement. The sample of this study are Bank Capital Indonesia, Bank QNB Indonesia and BRI Agro Niaga. Data is processed by SPSS 16. F-test and t-test are used to evaluation the simultaneous and partially significant effects for ROA. The result of this study revealed that LDR, LAR, IPR,NPL, APB, IRR, PDN, BOPO and FBIR have simultaneously effect for ROA. However, partially only NPL, IRR and BOPO that have significantly effect for ROA. BOPO with 38,69 percent as the dominant variable that influenced ROA. Keywords : Liquidity; AssetQuality; Sensitivity; Efficiency; RO