PENGARUH EQUITY TO TOTAL ASSET RATIO (EAR), LOAN ASSET RATIO (LAR), CAPITAL ADEQUENCY RATIO (CAR), NON PERFORMING LOAN (NPL), DAN LOAN DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSET (ROA) (Pada Perusahaan Perbankan Periode 2009-2013) (Students' Journal of Accounting and Banking, 2015)