PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS, DAN KECUKUPAN MODAL TERHADAP KINERJA KEUANGAN PERBANKAN SEBELUM DAN PADA MASA PANDEMI COVID – 19 (Studi pada Perbankan Konvensional Go Public yang Tedaftar pada Bursa Efek Indonesia Periode 2017-2021)

Authors

  • Thania Putri Arini Indonesia Banking School
  • Sparta Sparta Indonesia Banking School

Keywords:

Banking Financial Performance, Credit Risk, Liquidity Risk, Capital Adequacy

Abstract

The purpose of this research is to examine, analyze, and compare how the influence of Credit Risk, Liquidity Risk, and Capital Adequacy on Banking Financial Performance Before and During the Covid-19 Pandemic by using a sample in Go Public Conventional Banking for the 2017-2021 period. This study uses a purposive sampling technique so that 42 banks are used as research samples. The independent variable Credit Risk is measured using the NPL ratio (Non Performing Loan), Liquidity Risk is measured using the LDR ratio (Loan to Deposit Ratio), and Capital Adequacy is measured using the CAR (Capital Adequacy Ratio) ratio. For the dependent variable, namely Banking Financial Performance, it is measured using the ROA (Return On Asset) ratio. The results of this study state that prior to the pandemic, Credit Risk had a significant negative effect on the Financial Performance of the Bank, while for Liquidity Risk and Capital   Adequacy   it   had   a   significant   positive   effect   on   the   Financial Performance of the Bank. After the Pandemic, the results stated that Credit Risk still  had  a  significant  negative  effect  on  Banking  Financial  Performance, Liquidity Risk still had a significant positive effect on Banking Financial Performance, but for Capital Adequacy it did not have a significant effect on Financial Performance.

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Published

2023-12-16
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