@thesis{thesis,
		author={sparta  sparta},
		title ={DAMPAK RISIKO KREDIT, RISIKO LIKUIDITAS 
DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS BANK BUMN DI INDONESIA},
		year={2020},
		url={http://repository.ibs.ac.id/4716/},
		abstract={A bank is a financial institution that accepts deposits from the public and creates a demand deposit, while simultaneously making loan. So there is a credit risk and liquidity risk in operational business of the banks. This study aims to analyze the impact of credit risk, liquidity risk and operational efficiency on the profitability of state-owned banks (BUMN Bank) in Indonesia (period 2010 ? 2019). Credit risk in this study is proxied by using Non performing Loan (NPL), liquidity risk is by using Loan to Deposit Ratio (LDR) and operational efficiency (BOPO). In addition profitability is by using Return on Asset (ROA).
The sample selection uses a purposive sampling method. The purposive sampling method is a sampling method based on certain criteria used of state-owned banks (BUMN Banks). Analyze these variables on 40 observations using panel data regression. In addition, the hypothesis test used is the statistical t test. The classic assumption test used in this study are normality test, mullticollinearity test, heteroscedasticity test, and autocorrelation test. The results show that operational efficiency has an negative effect on and significant on profitability while credit risk and liquidity risk have negative effect and no significant on profitabilitas.
This study provides managerial implications for the development of science can provide sources of information references. Managerial implications for company management can provide information condition of company and benchmarking for evaluation strategic policy. Managerial implication for regulators in which the results of this study as an evalution material for regulations and always prioritize the principle added value for interested parties.}
		}