PENGARUH RISIKO KREDIT, RISIKO OPERASIONAL, DAN RISIKO LIKUIDITAS TERHADAP KINERJA KEUANGAN PADA BANK PEMBANGUNAN DAERAH DI INDONESIA SEBELUM DAN PADA MASA PANDEMI COVID-19
Keywords:
Credit Risk, Operational Risk, Liquidity Risk, Covid-19 PandemicAbstract
This study aims to analyze the effect of credit risk. operational risk, and liquidity risk on the financial performance of Regional Development Banks (BPD) in Indonesia before and during the COVID-19 pandemic. The sample used consisted of 25 BPD registered with the Financial Services Authority (OJK) for the 2017-2021 period. This research method uses secondary data with a sampling method using purposive sampling. The hypotheses in this study were tested with descriptive statistics and multiple regression analysis methods. Regression testing was carried out three times, namely Regression I (before the covid-19 pandemic), Regression II (during the covid-19 pandemic). and Regression III (when the two periods before and during the covid-19 pandemic were combined). The results of this study indicate that credit risk has a negative and significant effect on financial performance in Regression I and Regression II, but credit risk has no effect on financial performance in Regression III. Operational risk has no effect on financial performance in Regression I. Regression II, and Regression III. Liquidity risk has no effect on financial performance in Regression I and Regression II but has a positive and significant effect in Regression III. The Covid-19 pandemic had a negative and significant impact on financial performance in Regression III.References
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