Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Non Performing Loan (NPL) terhadap Return On Assets (ROA) pada Bank Umum di Indonesia periode Januari 2009 sampai Desember 2011. Data yang digunakan dalam penelitian ini diperoleh dari Statistik Perbankan Indonesia pada Bank Umum yang diterbitkan oleh Bank Indonesia. Dalam penelitian ini, teknik yang digunakan dalam menentukan sampel adalah metode sensus, dimana seluruh sampel yang ada digunakan sebagai objek penelitian. Teknik analisis data dalam penelitian ini menggunakan analisis regresi linier berganda dengan menggunakan program SPSS v18. Hasil penelitian menunjukkan bahwa variabel Capital Adequacy Ratio (CAR), dan Non Performing Loan (NPL) berpengaruh dan signifikan terhadap Return On Assets (ROA), sedangkan Loan to Deposit Ratio (LDR) tidak berpengaruh terhadap Return On Assets (ROA). Hasil penelitian juga menunjukkan nilai Adjusted R2 sebesar 67,5 %. Hasil uji F menunjukkan bahwa variabel independen secara bersama-sama berpengaruh signifikan terhadap variabel dependen. Kata kunci: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Assets (ROA)

The aims of this research is to analyze the influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) toward Return On Assets (ROA) on Commercial Banks in Indonesia Period January 2009 until Desember 2011. This research used time series data from Indonesian Banking Statistics in Commercial Banks pubilshed by Bank Indonesia. In this research, the techniques used in determining sample is a census method, that all samples are used as objects of research. Technique of data analysis in this research using multiple linear regression analysis by SPSS v18. The results showed that the variable Capital Adequacy Ratio (CAR), and Non-Performing Loans (NPL) had significant influence toward Return On Assets (ROA), while the Loan to Deposit Ratio (LDR) had no influence toward Return On Assets (ROA). The results also showed the value of Adjusted R2 is 67.5%. Ftest results indicate that the independent variables had significant influence toward the dependent variable. Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), Return On Assets (ROA)

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