PENGARUH RASIO LIKUIDITAS, RASIO KUALITAS AKTIVA, RASIO SENSITIVITAS, RASIO EVISIENSI TERHADAP PROFITABILITAS PADA BANK PEMBANGUNAN DAERAH

Abstract

The aims of this research to recognize are the effects on variables of IPR, LAR, LDR, NPL, IRR, NIM and BOPO toward ROA in Regional Development Bank simultaneously or partially. Population that used by Regional Development Bank, sampling selection based on purposive sampling technique. Documentation method for data collecting come from financial statement publication Bank of Indonesia ad multiple linear analysis technique for data analysis. Based on hypotheses testing obtained simultaneously results of variables IPR, LAR, LDR, NPL, IRR, NIM ad BOPO have significant effect on ROA. Partially IPR has negative significant effect, LAR, LDR, NPL, and NIM has positive effect but not significant, IRR has insignificant effect, BOPO has negative significant effect. Among seventh independent variables of IPR, LAR, LDR, NPL, IRR, NIM ad BOPO has highly dominant effect toward ROA is BOPO, because it has highest value of dominant determination coefficient is 12,46 percent than compare to partial determination coefficient partial on other independent variables. Can be concluded that efficiency ratio which has most dominant effect on ROA in research sample bank than another ratio. Keywords : liquidity ratio, assets quality ratio, sensitivity ratio, efficiency ratio, IPR, LAR, LDR, NPL, IRR, NIM dan BOP