Pengaruh Likuiditas, Kualitas Aset Sensitivitas dan Efisiensi terhadap Profitabilitas pada Bank Pembangunan Daerah Konvensional

Banks are financial institutions that have the function of collecting funds from the public in the form of savings and channeling them to the public in the form of credit and or in other forms in improving the standard of living of the people at large. This study aims to analyze whether the LDR, IPR, NPL, APB, IRR, BOPO, FBIR simultaneously have a significant effect on ROA. This research uses secondary data which is taken by documentation method. This data is taken from the financial reports published from the Conventional Regional Development Bank in the first quarter of 2015 to the second quarter of 2020. Multiple linear regression was used for analysis. The results showed that the LDR, IPR, NPL, APB, IRR, BOPO, FBIR simultaneously had a significant effect on ROA. Partially LDR, IPR, FBIR have a significant positive effect on ROA. IRR and BOPO partially have a significant negative effect on ROA. NPL, and APB partially have a positive and insignificant effect on ROA. BOPO is the most dominant independent variable with a percentage of 64.96 percent. Keywords: Liquidity, Asset Quality, Sensitivity, Efficiency and Profitabilit