PENGARUH RISIKO LIKUIDITAS, RISIKO KREDIT, DAN RISIKO OPERASIONAL TERHADAP KINERJA KEUANGAN PERBANKAN

KRISNA ERLANGGA, . (2026) PENGARUH RISIKO LIKUIDITAS, RISIKO KREDIT, DAN RISIKO OPERASIONAL TERHADAP KINERJA KEUANGAN PERBANKAN. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh risiko likuiditas, risiko kredit, dan risiko operasional terhadap kinerja keuangan perbankan yang terdaftar di Bursa Efek Indonesia periode 2020-2024. Penelitian ini menggunakan metode kuantitatif dengan Teknik purposive sampling sehingga diperoleh 205 data pengamatan. Namun, berdasarkan hasil pengujian, sebanyak 26 data teridentifikasi sebagai outlier sehingga dikeluarkan dari sampel penelitian. Dengan demikian, jumlah data pengamatan yang digunakan dalam analisis menjadi 179 data. Analisis data dilakukan menggunakan regresi data panel dengan bantuan aplikasi Eviews 13. Hasil penelitian menunjukkan bahwa risiko likuiditas yang diukur dengan Loan to Deposit Ratio (LDR) berpengaruh positif terhadap kinerja keuangan, risiko kredit yang diukur dengan Non-Performing Loan (NPL) berpengaruh negatif terhadap kinerja keuangan, dan risiko operasional yang diukur dengan Aset Tertimbang Menurut Risiko (ATMR) berpengaruh positif terhadap kinerja keuangan. Hasil penelitian ini menunjukkan bahwa perusahaan perbankan perlu mengelola risiko likuiditas secara optimal, menjaga risiko kredit agar tetap terkendali, serta meningkatkan pengelolaan risiko operasional, sehingga dapat mendukung peningkatan kinerja keuangan perusahaan. ***** This study aims to examine the effect of liquidity risk, credit risk, and operational risk on the financial performance of banking companies listed on the Indonesia Stock Exchange during the 2020-2024 period. This study employs a quantitative method using a purposive sampling technique, resulting in 205 observations. However, based on the test results, 26 observations were identified as outliers and were therefore excluded from the research sample. Consequently, the number of observations used in the analysis was reduced to 179. Data analysis was conducted using panel data regression with the assistance of EViews 13 software. The results indicate that liquidity risk, as measured by the Loan to Deposit Ratio (LDR), has a positive effect on financial performance; credit risk, as measured by the Non-Performing Loan (NPL), has a negative effect on financial performance; and operational risk, as measured by Risk-Weighted Assets (RWA), has a positive effect on financial performance. These findings indicate that banking companies need to manage liquidity risk optimally, maintain credit risk at a controlled level, and improve the management of operational risk in order to support the enhancement of the company's financial performance.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dr. Etty Gurendrawati, M.Si., Ak. ; 2). Septi Nurmalita, S.E., M.Ak.
Subjects:	Ilmu Sosial > Industri, Buruh, Produksi > Perbankan Ilmu Sosial > Perdagangan, e-commerce > Akuntansi Ilmu Sosial > Keuangan
Divisions:	FE > S1 Akuntansi
Depositing User:	Krisna Erlangga .
Date Deposited:	18 Aug 2026 04:01
Last Modified:	18 Aug 2026 04:01
URI:	http://repository.unj.ac.id/id/eprint/71294

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