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ABSTRAK Penelitian ini bertujuan mencari variabel mana yang memiliki pengaruh paling signifikan terhadap return on assets . Dengan menggunakan purposive sampling dan data panel, penelitian ini memperoleh 80 sampel analisis yang memenuhi kriteria. Sampel tersebutmerupakan laporan keuangan tahun 2010 – 2014 dari 4 Bank Persero. Penelitian ini menggunakan beberapa metode analisis, yakni analisis deskriptif, asumsi klasik, regresi linier berganda dan pengujian hipotesis. Berdasarkan penelitian yang telah dilakukan didapatkan hasil bahwa net interest margin dan biaya operasional pendapatan operasional memiliki pengaruh yang signifikan terhadap return on assets . Sedangkan capital adequacy ratio dan loan to deposit ratio tidak berpengaruh signifikan terhadap return on assets . Secara simultan keempat variabel memiliki pengaruh 95,9% dan sisanya 4,1% dijelaskan oleh variabel lain diluar dari penelitian ini. Kemudian variabel yang memiliki pengaruh paling signifikan terhadap return on assets adalah biaya operasional terhadap pendapatan operasional. Kata Kunci : Return On Assets , Capital Adequacy Ratio , Net Interest Margin , Biaya Operasional terhadap Pendapatan Operasional, dan Loan to Deposit Ratio . ABSTRACT This research also identify the most significant influence factor towards return on assets. By using purposive sampling and pooling data, this study analyzes to obtain 80 samples that meet the criteria. The sample is an financial report 2010 - 2014 of 4 Bank Persero. This research uses descriptive analysis, classical assumption, multiple linear regression and hypothesis testing. Based on the research that has been conducted showed that the net interest margin, operating income and operating costs have a significant influence toward return on assets. In the other hand capital adequacy ratio and loan-to-deposit ratio have not significant influence toward return on assets. Simultaneously the four variables have an influence 95.9% and the remaining 4.1% is explained by other variables outside of this research. Then the variable that has the most significant effect toward return on assets is operating expenses to operating income. Keywords : Return on Assets, Capital Adequacy Ratio, Net Interest Margin, Operating Expenses to Operating Income, and a loan to deposit ratio.
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