Open AccessPENGARUH MANAJEMEN RISIKO PERBANKAN SECARA FINANSIAL TERHADAP KINERJA KEUANGAN PADA BANK UMUM KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2015-2019
Author(s) -
Adi Irawan,
Maulana Hadi Kusuma
Publication year - 2020
Publication title -
jurnal manajemen bisnis unbara
Language(s) - English
Resource type - Journals
ISSN - 2775-8265
DOI - 10.54895/jmbu.v1i1.546
Subject(s) - operational risk , credit risk , liquidity risk , market liquidity , business , statistics , stock exchange , variables , regression analysis , return on assets , financial system , mathematics , actuarial science , risk management , finance
This research was conducted to examine the influence of credit risk (NPL), liquidity risk (LDR), operational risk (BOPO) on financial performance (ROA) at conventional commercial banks listed on the Indonesia Stock Exchange in 2015-2019, either partially or simultaneously. The analytical tool used in this research is panel data regression. Based on the results of the analysis and discussion that has been done, it can be concluded that partially the NPL variable does not have a significant influence on financial performance (ROA), the LDR variable does not have a significant influence on financial performance (ROA). BOPO variable has a significant influence on financial performance (ROA). Simultaneous testing of credit risk (NPL), liquidity risk (LDR) and operational risk (BOPO) influences financial performance (ROA). The result of the coefficient of determination test shows that the percentage of the influence of the independent variable on the dependent variable is 71.2%%, while the remaining 28.8% is influenced by other variables such as market risk and others which are not included in this study.