Suryati, Maria Oktaviani (2024) Pengaruh Risiko Kredit, Risiko Operasional, dan Risiko Likuiditas terhadap Profitabilitas pada Perusahan Bank Umum BUMN yang Terdaftar di Bursa Efek Indonesia Periode 2020-2022. Undergraduate thesis, Fakultas Ekonomi dan Bisnis Universitas Merdeka Malang.

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Abstract

This research was conducted to test the influence of the Credit Risk (NPL), OperationalRisk (BOPO) and Liquidity Risk (LDR) variables on Profitability (ROA) in bankingcompanies listed on the IDX for the 2020-2022 period. The research method used is aquantitative method with this type of research using secondary data. The population inthis study were 46 banking companies listed on the Indonesia Stock Exchange with aresearch sample of 15 banking companies that met the sampling criteria. The data analysis technique used in this research is the multiple linear regression test, which is a test usedto measure a dependent variable that is influenced by two or more variables. independent. Meanwhile, the classical assumption tests used in this research include the normality test, multicollinearity test, autocorrelation test, and heteroscedasticity test. The research results show that Credit Risk (NPL) has a negative and significant effect, Operational Risk (BOPO) has a negative and significant effect, Liquidity Risk (LDR) has a negative and significant effect on Profitability (ROA) in banking companies listed on the Indonesia Stock Exchange.The predictability of the three independent variables on the dependent variable ROA is 66%, while the remaining 34% is influenced by factors outside the research model.

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