PENGARUH RISIKO KREDIT, RISIKO LIQUIDITAS DAN RISIKO OPERASIONAL TERHADAP PROFITABILITAS PADA MOBILE BANKING
Keywords:
Credit Risk, Liquidity Risk, Operational Risk, Profitability, Banking, Mobile AplicationsAbstract
This research aims to gain new knowledge and analyze the influence of credit risk, liquidity risk and operational risk on profitability in mobile banking. This type of research is quantitative research using secondary data from annual financial reports of banking companies, with the population used being banks listed on the Indonesia Stock Exchange. The sampling technique used in this research was a purposive sampling technique with a total sample of 12 banks. The analysis techniques used to process the collected data are model testing, classical assumption testing, and hypothesis testing using panel data regression using E-Views 13 software. The results obtained in this research include 1) Credit risk does not have a significant impact on profitability, 2) Liquidity risk has a significant impact on profitability, and 3) Operational risk does not have a significant impact on profitability
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