RISK MANAGEMENT IN AN EFFORT TO IMPROVE THE PERFORMANCE OF ISLAMIC COMMERCIAL BANKS IN INDONESIA

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Published: Jul 20, 2025
DOI: https://doi.org/10.19109/ifinance.v11i1.29765
Keywords:
Credit Risk, Liquidity Risk, Operational Risk, Financial Performance

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Ririn Karlina Ririn
Universitas Islam Nusantara Al-Azhaar Lubuklinggau
Agus Mukmin
Universitas Islam Nusantara Al-Azhaar Lubuklinggau
Nur Hamidah
Universitas Islam Nusantara Al-Azhaar Lubuklinggau

Abstract

This study aims to determine and analyze the effect of risk management including credit risk, liquidity risk and operational risk both partially and simultaneously on the performance of Islamic commercial banks in Indonesia. The population is all Islamic commercial banks as many as 14 banks. Samples were taken based on data completeness criteria so that 13 banks were obtained with observations for 4 years. The analysis technique uses panel data regression with the help of the STATA 17 application using the t hypothesis test and the F hypothesis test. The results showed that credit risk has a significant effect on the financial performance of Islamic commercial banks, liquidity risk has a significant effect on the financial performance of Islamic commercial banks, operational risk has a significant effect on the financial performance of Islamic commercial banks. Then simultaneously credit risk, liquidity risk and operational risk have an influence on the performance of Islamic commercial banks. Based on this it can be concluded that both partially and simultaneously credit risk, liquidity risk and operational risk have an influence on the performance of Islamic commercial banks in Indonesia

Article Details

How to Cite
RISK MANAGEMENT IN AN EFFORT TO IMPROVE THE PERFORMANCE OF ISLAMIC COMMERCIAL BANKS IN INDONESIA. (2025). I-Finance: A Research Journal on Islamic Finance, 11(1), 281-298. https://doi.org/10.19109/ifinance.v11i1.29765
Issue
Vol. 11 No. 1 (2025): I-FINANCE: a Research Journal on Islamic Finance
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Artikel

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I-Finance by http://jurnal.radenfatah.ac.id/index.php/I-Finance is lincensed under a Creative Commons Attribution-ShareAlike 4.0 International Lisence.

How to Cite

RISK MANAGEMENT IN AN EFFORT TO IMPROVE THE PERFORMANCE OF ISLAMIC COMMERCIAL BANKS IN INDONESIA. (2025). I-Finance: A Research Journal on Islamic Finance, 11(1), 281-298. https://doi.org/10.19109/ifinance.v11i1.29765

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