ABSTRAK Pengaruh Non Perfoming Loan (NPL) Loan to Deposit Ratio (LDR), Belanja Oprasional Pendapatan Oprasional (BOPO) terhadap Retrun on Asset (ROA) pada Bank Umum di Bursa Efek Indonesia (Tahun 2014-2018). Tujuan Penelitian adalah untuk menganalisis apakah ada pengaruh Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Belanja Oprasional Pendapatan Oprasional (BOPO) terhadap Retrun on Asset (ROA) pada bank umum yang terdaftar di BEI .Hasil Uji T menunjukkan bahwa variabel NPL berpengaruh Positif terhadap ROA. Sedangkan variabel LDR dan BOPO tidak berpengaruh terhadap ROA.Hasil Uji F menunjukkan bahwa variabel NPL,LDR dan BOPO berpengaruh signifikan terhadap ROA. Kemapuan prediksi dari ketiga variabel independen terhadap ROA adalah sebesar 24,00% yang ditunjukkan dari besarnya adjusted R2 sisanya dijelaskan oleh variabel lainnya di luar mdel penelitian. Kata Kunci: Non Perfoming Loan (NPL), Loan to Deposit Ratio (LDR), Belanja Oprasional Pendapatan Oprasional dan Retrun On Asset (ROA).

ABSTRACT The effect NPL. LDR, BOPO, to ROA on the Commercial Bank in Stock Exchange’s Indonesia (In 2014-2018). The purpose of this study is to find out of the influence of NPL, LDR, BOPO to ROA on the Commercial Bank which is registered in BEI.The result of t test shows that NPL take positive effect to ROA. While variabel of LDR and BOPO hasen’t effect to ROA. The result of f test is to shows that variable of NPL, LDR and BOPO has significant eefect to ROA. Predictive ability of the three independent variabels to ROA is 24,00% and it shown by R square value, The outhers value influenced by other variabels outside the model. Keyword: Non Perfoming Loan, Loan to Deposit Ratio, Operational Income Operating Cost, Pendapatan Oprasional dan Retrun On Asset.

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