Pengaruh Rasio Likuiditas, Kualitas Aset, Sensitivitas, Efisiensi dan Solvabilitas terhadap ROA pada Bank Umum Swasta Nasional Non Devisa

Profitability is one of the right indicators to measure the performance of a bank. This study aims to analyze whether liquidity, asset quality, sensitivity, efficiency, and solvency simultaneously and partially have a significant effect on ROA. This study uses secondary data taken from the documentation method. This data is taken from the financial statements issued by the National Non-Foreign Exchange Private Commercial Bank in the period 2014 to 2019. The sampling technique used was purposive sampling. Multiple linear regression is used for analysis. Based on the results of the analysis shows that Liquidity risk as measured by LDR has a significant positive effect and that measured by IPR has a significant negative effect. Asset Quality Ratio as measured by NPL has not significant positive effect and as measured by APB has significant negative effect. Sensitivity Ratio as measured by IRR has no significant positive effect. The Efficiency Ratio as measured by FBIR has no significant negative effect. The Solvency Ratio as measured by FACR has a negative insignificant effect. Keyword : liquidity, asset quality, sensitivity, efficiency, solvability, ROA