Pengaruh Risiko Kredit, Risiko Likuiditas dan Risiko Tingkat Bunga terhadap Return On Asset (ROA): Studi pada PT.Bank Rakyat Indonesia (Persero)Tbk

Return On Asset (ROA) is used to measure the ability of bank management in obtaining the overall profit from total assets owned. This study aims to examine the effect of credit risk, liquidity risk and interest rate risk on bank profitability. Dependent variable in this research is Return On Asset (ROA). Meanwhile, independent variable in this research is Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM). This research was conducted at PT.Bank Rakyat Indonesia (Persero) Tbk. The sampling technique was done by purposive sampling method. The total sample in this study amounted to 10 years of financial statements at PT. Bank Rakyat Indonesia (Persero) Tbk period 2007-2016. Data processing is done by using multiple linear regression analysis with classical assumption test first. For each variable of this research the researcher mostly use the theory of cashmere about the calculation of Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin NIM) and Return On Assets (ROA). As for the taking of time research 10 years researchers using Uma Sekaran theory that states that the 5-10 year financial statements are relevant. Result of research by using Return On Asset (ROA) as dependent variable show Non Performing Loan (NPL) partially have a negative and significant effect to Return On Asset (ROA) Test t show value t-count 4,249 0.05 and Net Interest Margin (NIM) have positive but not significant to Return On Asset (ROA) is shown by the value of tcount of 0.494 0.05, while the results simultaneously state that the Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) affect simultaneously to Return On Asset (ROA) this is indicated by the value of Fcount 7.346> Ftabel 4.35 and significance value 0.020