PENGARUH NON PERFORMING LOAN (NPL) DAN NET INTEREST MARGIN (NIM) TERHADAP RETURN ON ASSET (ROA) PADA PT. BANK NEGARA INDONESIA (PERSERO), Tbk PERIODE 2009-2014 Oleh: Riska Hadiatina Sagita A10110120 Dibawah bimbingan : Dr. Sudi Rahayu, SE., MM ABSTRAK Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Loan (NPL) dan Net Interest margin (NIM) Terhadap Return On Asset (ROA) pada PT. Bank Negara Indonesia (Persero), Tbk baik secara parsial dan simultan. Metode yang digunakan adalah metode deskriptif dan metode verifikatif, dengan Uji Normalitas, Uji Multikolinieritas, Uji Autokorelasi, Uji Heteroskedastisitas, Analisis Regresi Linier Berganda, Analisis Koefisien Korelasi, Analisis Koefisien Determinasi, Uji Parsial (Uji t) dan Uji Simultan (Uji F) dengan pengolahan data menggunakan aplikasi SPSS 20.0. Hasil penelitian ini menunjukan bahwa Non Performing Loan (NPL) secara parsial memiliki pengaruh terhadap Return On Asset (ROA) sedangkan Net Interest margin (NIM) tidak memiliki pengaruh terhadap Return On Asset (ROA) dan secara simultan Non Performing Loan (NPL) dan Net Interest margin (NIM) memiliki pengaruh signifikan terhadap Return On Assets (ROA). Pengaruh atau kontribusi dari ketiga variabel tersebut terhadap Return On Asset (ROA) sebesar 87,9% sedangkan sisanya 12,1% dipengaruhi oleh faktor lain yang tidak diteliti oleh penulis. Kata Kunci : Non Performing Loan (NPL), Net Interest margin (NIM), Return On Asset (ROA). EFFECT OF NON PERFORMING LOAN (NPL) AND NET INTEREST MARGIN (NIM) TO RETURN ON ASSET (ROA) IN PT. BANK NEGARA INDONESIA (PERSERO), Tbk PERIOD 2009-2014 by the : Riska Hadiatina Sagita A10110120 Under the Guidance of : Dr. Sudi Rahayu, SE., MM ABSTRACT This study aims to determine the effect of Non Performing Loan (NPL) and Net Interest margin (NIM) on Return On Assets (ROA) in PT. Bank Negara Indonesia (Persero), Tbk both partially and simultaneously. The method used is descriptive method and verification method, with Normality Test, Test Multicolinearity, autocorrelation test, Test Heteroskidastity, Regression Analysis, Correlation Coefficient Analysis, Analysis of Coefficient of Determination, Partial Test (Test t) and Simultaneous Test (Test F) with data processing using SPSS 20.0. The results indicate that partial Non Performing Loan (NPL) has an influence on Return On Assets (ROA), while Net Interest margin (NIM) has no influence on Return On Assets (ROA) and simultaneously Non Performing Loan (NPL) and Net Interest margin (NIM) has significant influence on Return On Assets (ROA). Influence or contribution of these three variables on Return On Assets (ROA) of 87,9% and 12,1%, while the rest is influenced by other factors not examined by the authors. Keywords: Non Performing Loan (NPL), Net Interest margin (NIM), Return On Asset (ROA).