Pengaruh Likuiditas Kualitas Aktiva Sensitifitas dan Efisiensi Terhadap ROA pada Bank Pembangunan Daerah.

Bank is a financial institution to collect and channel funds to the community in the form of credit. The purpose of this research is to know the influence of liquidity, asset quality, sensitivity, and efficiency to ROA at in Regional Development Banks. The independent variables used are LDR, IPR, APB, NPL, IRR, BOPO and FBIR and the dependent variable is ROA. The samples used in study are Jambi Regional Development Bank, the D.I Yogyakarta Regional Development Bank, and the East Nusa Tenggara Regional Development Bank. The technique sampling using is Purposive Sampling. The types and methodsof data collection are secondary data and documentation. This study used period from the first quarter of 2014 to the fourth quarter of 2018. The data analysis technique used is multiple linear regression analysis. The results of this study indicate that the LDR, IPR, APB, NPL, IRR, BOPO, and FBIR simultanousiy have a significant effect on ROA in Regional Development Banks, LDR, IPR, and NPL, partially having a non-significant negative effect on ROA in Regional Development Banks, APB partially has a not significant positive effect on ROA in Regional Development Banks, IRR, FBIR partially has a significant positive influence on ROA in Regional Development Banks, BOPO partially has a significant negative effect on ROA in Regional Development Banks and variables that have the most influence dominant is BOPO. Keywords: Liquidity, asset quality, Sensitivity and Efficienc