Analisis Pengaruh Risiko Kredit, Efisiensi Operasi, Risiko Likuiditas, Rentabilitas, dan Kecukupan Modal Terhadap Kinerja Keuangan Bank Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2019-2024

Abstract

The purpose of this study is to determine the effect of Credit Risk, Operational Efficiency, Liquidity Risk, Rentability and Capital Adequacy on the Financial Performance of Conventional Banks listed on the Indonesia Stock Exchange for the period 2019-2024. The dependent variable in this study is Financial Performance. Throughout 2019-2024 there was a fluctuation in the value of Financial Performance in banking companies listed on the Indonesia Stock Exchange and there was a sharp decline in banking companies in the period 2019-2024. The population in this study were banking companies listed on the Indonesia Stock Exchange for the period 2019-2024. The sample used in this study was 27 banking companies. The data collection method was carried out by means of documentation study by collecting supporting data from reference books, journals and collecting secondary data from reports published by the Indonesia Stock Exchange and the company's website. The data analysis technique used is quantitative data expressed in numbers which in its calculations use statistical methods, descriptive statistical analysis and multiple regression analysis of panel data assisted by the Eviews program. Based on the research results, it shows that Credit Risk and Operational Efficiency have a negative and significant effect on Financial Performance, Liquidity Risk has a positive and insignificant effect on Financial Performance, Rentability has a positive and significant effect on Financial Performance, and Capital Adequacy has a negative and insignificant effect on Financial Performance.