Novita Estefan

Pengaruh Risiko Kredit Dan Risiko Operasional Terhadap Profitabilitas Bank Umum Konvensional

Introduction

Pengaruh risiko kredit dan risiko operasional terhadap profitabilitas bank umum konvensional. Analisis pengaruh risiko kredit (NPL) & risiko operasional (BOPO) terhadap profitabilitas bank konvensional di BEI. Temukan hasilnya: risiko ini tidak berpengaruh signifikan.

Abstract

The aim of this research is to determine the influence of credit and operational risk on profitability, to determine the influence of credit risk on profitability, and to determine the influence of operational risk on profitability partially or simultaneously in conventional banks listed on the Indonesian stock exchange. The population in this study was 46 conventional banks listed on the Indonesian stock exchange, while those that met the sampling criteria for this research were 40 conventional banks listed on the Indonesian stock exchange. The sampling technique used in this research is based on non-probability sampling using a purposive sampling approach which takes samples from the population based on certain criteria. The independent variables used in this research consist of Non-Performing Loans (NPL), Operating Expenses to Operating Income (BOPO) and the dependent variable is Profitability. The data analysis technique in this research uses the n test, Descriptive Statistics Test, Classical Assumption Test, Multiple Linear Regression Analysis Test, t Test, F Test, and Coefficient of Determination. Data processing in this research used SPSS (Statistical Package for the Social Sciences) software version 27 for Windows. The results of this research partially show that credit risk as measured through Non-Performing Loans (NPL) does not have a significant influence on bank profitability. Partially, operational risk as measured by the ratio of Operational Costs to Operational Income (BOPO) also does not have a significant influence on bank profitability. Simultaneously, credit risk and operational risk do not have a significant influence on bank profitability.

Review

The study, "Pengaruh Risiko Kredit Dan Risiko Operasional Terhadap Profitabilitas Bank Umum Konvensional," investigates a highly relevant topic in financial economics, particularly for emerging markets like Indonesia. The clear objectives of determining the individual and simultaneous influence of credit and operational risk on conventional bank profitability in Indonesia are well-articulated in the abstract. This focus on specific risk categories within a defined banking sector (conventional banks listed on the IDX) provides a valuable scope for analysis, aiming to shed light on critical determinants of financial stability and performance. The research question addresses a core concern for bank management, regulators, and investors alike. The methodological approach appears generally sound, utilizing a quantitative framework with multiple linear regression analysis. The population and sample selection are clearly stated: 40 conventional banks from a population of 46 on the Indonesian stock exchange, sampled using purposive non-probability sampling. While purposive sampling can be appropriate for specific research questions, its non-probabilistic nature might limit the generalizability of the findings beyond the chosen sample. The independent variables, Non-Performing Loans (NPL) for credit risk and Operating Expenses to Operating Income (BOPO) for operational risk, are standard and widely accepted proxies in banking research. The use of SPSS for data processing and a comprehensive suite of statistical tests, including classical assumption tests, ensures robustness in the analytical process. However, the abstract does not specify the time period of the data, which is a crucial detail for assessing the relevance and context of the findings, especially for risk-related studies that are sensitive to economic cycles. The core findings indicate a lack of significant influence, both partially and simultaneously, of credit risk (NPL) and operational risk (BOPO) on bank profitability. This outcome is noteworthy as it potentially challenges prevailing assumptions and prior research suggesting a strong link between these risk categories and financial performance. While the abstract presents the results clearly, a deeper discussion on *why* these common risk indicators do not show a significant impact would strengthen the paper. For instance, it could be due to strong regulatory oversight, effective risk management practices within Indonesian banks, or the specific economic conditions during the studied period. The absence of a significant relationship warrants further investigation and contextualization. Future iterations of this work would benefit from exploring alternative proxies for risk, examining potential mediating or moderating variables, or extending the time horizon to capture different economic cycles to provide a more nuanced understanding of risk-profitability dynamics in the Indonesian banking sector.

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