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Abstract

Researchers conducted research on banks in Indonesia to assess the effect of credit risk, liquidity risk, and operational risk on banking financial performance. Data is obtained from the IDX website and banks from 38 conventional commercial banks that met the criteria for the 2016-2020 period. Researchers used the fixed-effect model (FEM) to analyze the results of this study.The results of this study indicate that credit and operational risks have a significant effect on the company's financial performance. On the other hand, liquidity risk has an insignificant effect on the company's financial performance. The results can be used by the company's management team as a reference in making decisions related to risk management, especially credit risk, liquidity risk, and operational risk in banking. After studying this research, it is hoped that the management team will have an overview of the effects of these risks on banking financial performance. Credit, liquidity and operational risks are considered the most important risks in financial institutions. This research is the second research that examines the effect of these risks on the banking industry; however, this research focuses on banks in Indonesia.

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Bahasa Abstract

Peneliti melakukan penelitian pada bank-bank di Indonesia untuk menilai pengaruh dari risiko kredit, risiko likuiditas, dan risiko operasional terhadap kinerja keuangan perbankan. Data penelitian ini diperoleh dari website BEI dan bank dari 38 bank umum konvensional yang memenuhi kriteria untuk periode 2016-2020. Peneliti menggunakan fixed-effect model (FEM) untuk menganalisis hasil dari penelitian ini. Hasil penelitian ini menunjukkan bahwa risiko kredit dan operasional menunjukkan pen- garuh yang signifikan terhadap kinerja keuangan perusahaan. Di sisi lain, risiko likuiditas memberi- kan pengaruh yang tidak signifikan terhadap kinerja keuangan perusahaan. Hasil ini dapat digunakan oleh tim manajemen perusahaan seb- agai referensi dalam pengambilan keputusan terkait manajemen risiko, khususnya risiko kredit, risiko likuiditas, dan risiko operasional pada perbankan. Setelah mempelajari penelitian ini, diharapkan tim manajemen memiliki gambaran atas pengaruh risiko-risiko tersebut terhadap kinerja keuangan perbankan. Risiko kredit, likuiditas, serta operasional dianggap sebagai risiko yang paling penting dalam institusi keuangan. Penelitian ini merupakan penelitian kedua yang meneliti pengaruh risiko-risiko tersebut terhadap industri perbankan; namun penelitian ini fokus terhadap bank-bank di Indonesia.

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