Pengaruh Risiko terhadap Profitabilitas Bank yang Terdaftar di Bursa Efek Indonesia

Moneter - Jurnal Akuntansi dan Keuangan Pub Date : 2024-05-16 DOI:10.31294/moneter.v11i1.20213

Fernando Alvin Yulio, Imam Mas’ud, Oktaviani Ari Wardhaningrum

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Abstract

Abstract - This study aimed to evaluate the influence of market risk, credit risk, liquidity risk, and operational risk on the profitability of banks listed on the Indonesia Stock Exchange during the period from 2020 to 2022. The chosen timeframe coincided with the emergence of the Covid-19 pandemic, which naturally resulted in a decline in banking profitability and an increase in the risks faced by these banks. The research adopts a quantitative approach, and sample selection employed the purposive sampling method. Secondary data from the Indonesia Stock Exchange were utilized for analysis. Data processing was conducted using EViews 12, involving various tests such as descriptive statistical analysis, classical assumption testing, panel data regression analysis, model testing, and hypothesis testing. The findings of the study reveal that market risk positively affects profitability, while credit risk and operational risk has a negative impact on profitability. Conversely, liquidity risk does not demonstrate a significant effect on profitability. The outcomes of this study hold significance for academic researchers exploring the relationship between risk management practices and bank profitability.Keywords: Bank, Profitability, Risk

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风险对印尼证券交易所上市银行盈利能力的影响

摘要--本研究旨在评估 2020 年至 2022 年期间市场风险、信贷风险、流动性风险和操作风险对印度尼西亚证券交易所上市银行盈利能力的影响。所选时间段恰逢 "Covid-19 "大流行，这自然导致银行盈利能力下降，银行面临的风险增加。研究采用定量方法，样本选择采用目的抽样法。分析使用了印度尼西亚证券交易所的二手数据。数据处理使用 EViews 12 进行，涉及各种测试，如描述性统计分析、经典假设检验、面板数据回归分析、模型检验和假设检验。研究结果表明，市场风险对盈利能力有积极影响，而信用风险和操作风险对盈利能力有消极影响。相反，流动性风险对盈利能力没有显著影响。本研究的结果对于学术研究人员探索风险管理实践与银行盈利能力之间的关系具有重要意义：银行盈利能力风险

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Moneter - Jurnal Akuntansi dan Keuangan

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