Pengaruh Risiko Likuiditas, Risiko Kredit dan Risiko Operasional terhadap Profitabilitas pada Bank Umum Konvensional yang Terdaftar di BEI 2018-2021

Abstract

The main purpose of this study is to determine the effect of liquidity, credit risk, and operational risk on profitability in listed commercial banking industry on the Indonesia Stock Exchange from 2018 to 2021. The study was carried out using a quantitative method with associative causal approach. The population in this study is commercial banking industry on the Indonesia Stock Exchange from 2018 to 2021. Using full sampling method, with 43 banks. The process of data analysis was carried out through multiple linear regression analysis. The study found that liquidity risk has a positive and significant effect on profitability, operational risk has a negative and significant effect on profitability. However, there is no effect between credit risk and profitability.