PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS, DAN TATA KELOLA PERUSAHAAN TERHADAP PROFITABILITAS BANK (Studi pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2012 – 2021)
Abstract
Data dari Bank Indonesia menyebutkan bahwa industri perbankan masih menjadi sektor yang mendominasi industri keuangan di Indonesia. Lemahnya praktik tata kelola perusahaan dan manajemen risiko pada bank menjadi salah satu penyebab terjadinya krisis ekonomi di masa lampau. Penelitian ini bertujuan untuk menguji pengaruh risiko kredit, risiko likuiditas, dan tata kelola perusahaan terhadap bank yang diukur melalui ROA. Penelitian dilakukan pada bank umum konvensional yang terdaftar di Bursa Efek Indonesia Periode 2012 – 2021. Teknik pengumpulan data menggunakan teknik pengambilan sampel berdasarkan kriteria tertentu dengan analisis data menggunakan regresi berganda. Hasil analisis data menunjukan bahwa NPL dan risk committe size berpengaruh negatif terhadap ROA, sedangkan LAR, independensi, dan risk committe meeting berpengaruh positif terhadap ROA.
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DOI: https://doi.org/10.32424/jeba.v24i4.3459
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