Penelitian ini dilakukan pada sektor perbankan yang terdaftar di Bursa Efek Indonesia. Fenomena yang terjadi adanya peningkatan Dana Pihak Ketiga (DPK) dan peningatan penyaluran kredit namun Return On Asset (ROA) turun, Metode yang digunakan dalam penelitian adalah metode deskriptif dan verivikatif. Sampel yang digunakan laporan keuangan tahunan berupa neraca dan laba rugi dan catatan atas laporan keuangan 5 perusahaan sektor perbankan tahun 20010-2014. Pengujian statistik yang digunakan adalah analisis linier berganda, uji hipotesis dengan bantuan program aplikasi SPSS. Dana Pihak Ketiga (DPK) dan Penyaluran Kredit secara parsial berpengaruh terhadap Return On Asset. Pengaruh Dana Pihak Ketiga (DPK) sebesar 21,2% dan Penyaluran Kredit berpengaruh sebesar 21,8% terhadap Return On Asset.

The research was conducted in the banking sector, which is listed in Indonesia Stock Exchange. The Phenomena is going on an increase in third party Funds (DPK) and Found Lending on in Return On Asset (ROA) caused less funding results of optimization of Community funds committed by the Bank. Cause it due to lack of funding results from the optimization of public funds committed by the Bank. and interest rates so high that customers have trouble paying credit .The method used in this research was the descriptive metohed and verivikatif with quantitative apporoch. Samples used the annual financial report of balance sheet, income statement and notes over five company financial report its banking sector in 2005-2010. Testing statistical analysis, multiple use is linear test hypotheses by the aid program application spss for windows.Third party funds (DPK) partially and landing on effect significantly to Return On Asset (ROA) Effect of Third Party Fund ( DPK ) of 21.2 % and influential Lending by 21.8 % on Return On Assets .

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