Pembimbing : Hasly Ilyas
Abstrak
Studied in this thesis is the influence (CAR), (LDR) and (LDR) against the ROA on the Bank's Foreign Exchange in Indonesia. In this study there are four variables, namely Adequency Capital Ratio (CAR), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR) as independent variables and ROA as the dependent variable (Y). The research method used is quantitative research. The purpose of this study was to determine the effect of CAR, NPL and the LDR of the ROA Bank foreign exchange.In this study using observational data n = 50 at the Bank foreign exchange in Indonesia. The results showed that there was a positive influence on Adequency Capital Ratio, Non-Performing Loans and Loan to Deposit Ratio of ROA, with (4.129)> (2.79). With this significance of 4.176 which means that Ho is rejected and Ha accepted. This means that Adequency Capital Ratio, Non-Performing Loans and Loan to Deposit Ratio jointly have a significant effect. Limitation of this study is the only research examining Adequency Capital Ratio, Non-Performing Loans and Loan to Deposit Ratio alone so as not to provide further evidence regarding the other variables that could affect the return on assets of foreign exchange at Bank Goes in Indonesia. Suggestions for future research is the author adds another variable that can affect ROA and increase the number of observations are used as samples in the study.

Keywords: Capital Ratio Adequency, non-performing loans, Loan to Deposit Ratio, Return on Assets.