Pengaruh Likuiditas, Kualitas Aktiva, Sensitivitas Pasar dan Efisiensi Terhadap Return On Asset (ROA) Pada Bank Pembangunan Daerah

This research was conducted to analyze whether LDR, IPR, LAR, APB, NPL, IRR, BOPO and FBIR simultaneously on ROA in Regional Development Bank. This research use purposive sampling method to get sample from 3 Regional Development Bank. Analysis using multiple linear regression analysis using SPSS 16.0 for windows. Liquidity measured by LDR, IPR, LAR shows partially have a not significant positive. Asset Quality that measured by APB and NPL shows APB is partially negative which is not significant to ROA, whereas NPL shows partially negative not significant to ROA. Market sensitivity measured by IRR shows partially significant negative significant on ROA. The efficiency measured by BOPO and FBIR showing BOPO partially has a negatif not significant on ROA, while FBIR is partially positive but not significant to ROA Keywords: Liquidity, Asset Quality, Market Sensitivity and Efficiency