(untitled) (Jurnal Manajemen dan Investasi (MANIVESTASI), 2025)
ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh risiko kredit, risiko likuiditas, dan risiko operasional terhadap profitabilitas bank BUMN yang terdaftar di Bursa Efek Indonesia (BEI) periode tahun 2015–2024. Variabel independen risiko kredit (NPL), risiko likuiditas (LDR), dan risiko operasional (OER) dan variabel dependennya adalah Profitabilitas (ROA). Data bersumber dari data sekunder laporan keuangan perusahaan perbankan BUMN konvensional yang terdaftar di BEI tahun 2015-2024. Teknik pengambilan sampel menggunakan Purposive sampling, Analisis data yang digunakan regresi linear berganda dan alat uji menggunakan software SPSS versi 30. Hasil tersebut menunjukkan bahwa secara parsial Risiko Kredit (NPL) tidak berpengaruh signifikan terhadap Profitabilitas (ROA) , serta berkorelasi positif dengan nilai 0,750 > 0,05. Secara parsial Risiko Likuiditas juga tidak berpengaruh terhadap Profitabilitas (ROA) dan berkorelasi positif dengan nilai signifikansi 0,88 > 0,05. Risiko Operasional secara parsial berpengaruh negatif terhadap Profitabilitas (ROA), dengan nilai signifikansi 0,001< 0,05. Kata kunci : Profitabilitas, Risiko Kredit, Risiko Likuiditas, Risiko Operasional, Bank BUMN, Bursa Efek Indonesia ABSTRACT This study aims to analyze the effect of credit risk, liquidity risk, and operational risk on the profitability of state-owned banks (Bank BUMN) listed on the Indonesia Stock Exchange (IDX) during the period 2015–2024. The independent variables include credit risk (NPL), liquidity risk (LDR), and operational risk (OER), while the dependent variable is profitability (ROA). The data used in this study is secondary data sourced from the financial statements of conventional state-owned banks listed on the IDX for the years 2015–2024. The sampling technique used is purposive sampling. The data analysis method applied is multiple linear regression, and the testing tool used is SPSS software version 30. the findings show that, partially, credit risk (NPL) has no significant effect on profitability (ROA) and is positively correlated, with a significance value of 0.750 > 0.05. Similarly, liquidity risk (LDR) also does not have a significant effect on profitability (ROA) and shows a positive correlation, with a significance value of 0.880 > 0.05. Meanwhile, operational risk (OER) has a significant negative effect on profitability (ROA), with a significance value of 0.001 < 0.05. Keywords: Profitability, Credit Risk, Liquidity Risk, Operational Risk, State-Owned Banks, Indonesia Stock Exchange