PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS DAN PENDAPATAN BUNGA TERHADAP PROFITABILITAS DENGAN DANA PIHAK KETIGA SEBAGAI VARIABEL MODERASI

Erika Ardila Alodia Putri

Abstract


This research is motivated by the phenomenon of increasing credit risk, which can have  a bad impact on banks. The existence of credit risk can have a negative impact on the debtor and the bank. This study aims to determine the effect of credit risk, liquidity risk, and interest income and third party funds significantly affect profitability in conventional commercial banks listed on the IDX for the period 2017-2022. This research method is multiple linear regression analysis, and MRA test. The results showed that credit risk, liquidity risk, interest income and third party funds had an effect on profitability,.Third Party Funds were unable to moderate the effect of credit risk and liquidity risk on profitability, but were able to moderate the effect of interest income on profitability.

Keywords: Credit risk, Credit liquidity, Interest income, Third party funds, Profitability

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References


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