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eISSN: 2582-8185 || CODEN: WJARAI || Impact Factor 8.2 ||  CrossRef DOI

Research and review articles are invited for publication in March 2026 (Volume 29, Issue 3) Submit manuscript

Credit risk, operational risk, and liquidity risk on profitability

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  • Credit risk, operational risk, and liquidity risk on profitability

Eko Muliansyah 1, * and Nurmala 2

1 STAI Lukman Al-Hakim Surabaya, Indonesia.
2 Universitas PGRI Palembang, Indonesia.
 
Research Article
World Journal of Advanced Research and Reviews, 2023, 19(01), 744–752
Article DOI: 10.30574/wjarr.2023.19.1.1426
DOI url: https://doi.org/10.30574/wjarr.2023.19.1.1426
 
Received on 09 June 2023; revised on 12 July 2023; accepted on 15 July 2023
 
Profitability is the ability of the Village Credit Institution to generate profits and is a ratio that can assess how the Village Credit Institution's ability to generate profits. The high profitability of the Village Credit Institution indicates the good performance of the Village Credit Institution. This study aims to determine the effect of credit risk, operational risk, and liquidity risk on profitability. This research was conducted at the Village Credit Institution for the period 2017-2021. The data collection method used is the non-behavioral observation method with multiple linear regression data analysis techniques. The results showed that Credit Risk has a negative and significant effect on Profitability. Operational Risk has a negative and significant effect on Profitability. Liquidity Risk has a positive and significant effect on Profitability. The profitability of the Village Credit Institution can be maximized by applying the precautionary principle, monitoring and supervising the operations of the Village Credit Institution to minimize costs and provide sufficient liquidity and balanced with good lending.
 
Credit Risk; Operational Risk; Liquidity Risk; Profitability
 
https://wjarr.com/sites/default/files/fulltext_pdf/WJARR-2023-1426.pdf

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Eko Muliansyah and Nurmala. Credit risk, operational risk, and liquidity risk on profitability. World Journal of Advanced Research and Reviews, 2023, 19(1), 744-752. Article DOI: https://doi.org/10.30574/wjarr.2023.19.1.1426

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