Nurwihda Jahrotunnupus
Jurusan S1 Akuntansi, Fakultas Ekonomi, Universitas Singaperbangsa Karawang

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Analisis Pengaruh Risiko Kredit, Risiko Pasar dan Risiko Operasional Terhadap Profitabilitas pada Bank Umum BUMN yang Terdaftar di BEI Periode 2013-2020 Nurwihda Jahrotunnupus; Gusganda Suria Manda
Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12, No 2 (2021): November
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/eksis.v12i2.265

Abstract

This study aims to look at the influence between credit risk (NPL), market risk (NIM), and operational risk (BOPO) on Profitability (ROA) on state-owned commercial banks listed on the Indonesia Stock Exchange for the period 2013-2020. The sample used by this study is 4 state-owned banking companies. The technique for sampling used is saturated sampling. The analysis method in this study is a multiple linear regression analysis with the help of the SPSS program. The results of the study showed that together or simultaneously credit risk, market risk, and operational risks had a significant effect on profitability in state-owned commercial banks listed on the Indonesia Stock Exchange for the period 2013-2020. Partial research results on credit risk variables (NPLs) had no significant effect and had a negative relationship to profitability (ROA). The results of the study partially on market risk variables (NIM) had a significant and positive effect on profitability and the results of the study in part or partially operational risk variables (BOPO) had a significant effect and had a negative relationship to profitability (ROA) in state-owned commercial banks in the period 2013-2020.