Pengaruh risiko likuiditas dan risiko kredit terhadap kinerja keuangan bank konvensional yang terdaftar di Bursa Efek Indonesia
P Penelitian ini bertujuan untuk menguji pengaruh risiko likuiditas, risiko kredit, bank size, inflation, dan gross domestic product growth terhadap kinerja keuangan bank konvensional. Teknik pengambilan sampel menggunakan purposive sampling. Sampel pada penelitian sebanyak 34 bank yang terdaftar di Bursa Efek Indonesia periode 2016-2020. Metode penelitian menggunakan analisis regresi data panel. Hasil penelitian ini menyatakan bahwa risiko kredit dan inflation berpengaruh negatif signifikan terhadap kinerja keuangan (ROA), bank size dan gross domestic product growth (GDPG) berpengaruh positif signifikan terhadap kinerja keuangan (ROA). Sedangkan variabel risiko likuiditas tidak berpengaruh signifikan terhadap kinerja keuangan (ROA). Temuan penelitian ini diharapkan memberikan implikasi terhadap perusahaan dan investor mengenai faktor-faktor apa saja yang dapat mempengaruhi kinerja keuangan. Perusahaan diharapkan meningkatkan return on assets perusahaan serta mampu meminimalisir risiko kredit dengan baik. Investor diharapkan dapat mempertimbangkan risiko kredit, bank size, inflation, dan gross domestic product growth saat memutuskan untuk berinvestasi.
T This study aims to examine the effect of liquidity risk and credit risk on the financial performance of conventional banks. The sampling technique uses purposive sampling. Sampel in the research as many as 34 banks listed on the Indonesia Stock Exchange for the 2016-2020 period. The research method uses panel data regression analysis. The results of this study state that credit risk and inflation have a significant negative effect on financial performance (ROA), and bank size and gross domestic product growth (GDPG) have a significant positive effect on financial performance (ROA). Meanwhile, the liquidity risk variable does not have a significant effect on financial performance (ROA). The findings of this study are expected to have implications for companies and investors regarding what factors can affect financial performance. The company is expected to increase the company's return on assets and be able to minimize credit risk properly. Investors are expected to consider credit risk, bank size, inflation, and gross domestic product growth when deciding to invest.