Pengaruh Likuiditas, Kualitas Aset, Sensitivitas Pasar dan Efisiensi Terhadap Profitabilitas Bank Pembangunan Daerah di Indonesia

Banks are the financial institutions that collect funds from the public in the from of doposits and distribute it to the public in the from of the loans and or other froms in order in order to improve the standart of people living. The purpose of this reseacrh aims to analyze wheter Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR), Loan to Asset Ratio (LAR), Non Performing Loan (NPL), Adversely Classified Asset (Aset Produktif Bermasalah), Interest Rate Risk (IRR), Net Open Position (PDN), Operational Expenses and Operating Income (BOPO), and Fee Based Income Ratio (FBIR) simultaneously have significant effect on ROA. These data were taken from published financial report of the Regional Development Bank in Indonesia form quarterly of 2015 until four quarterly 2019. Purposive sampling analysis was used for analysis. The sample of this reseacrh is Regional Development Bank (West Sumatra), Regional Development Bank (South Sumatera and Bangka Belitung) and Regional Development Bank (Bali). The result of this research show that 1) LDR, IPR, LAR, NPL, APB, PDN, IRR, BOPO and FBIR simultaneously significant effect on ROA. NPL, and FBIR partially have positive unsignificant effect on ROA. LDR, IPR, APB, IRR and PDN partially have negative unsignificant effect on ROA. LAR partially have positive significant effect on ROA. BOPO partially have negative significant effect on ROA. BOPO is the most dominant effect on ROA. Keywords: Liquidity, Asset Quality, Sensitivity, Efficiency and Profitabilit