PENGARUH MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA (PERIODE 2019 - 2023)

The purpose of this study was to determine the effect of risk management proxied by Net Perfoaming Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Operating Cost of Operating Income (BOPO) and Capital Adequacy Ratio (CAR) partially or simultaneously on financial performance. this research was conducted at Conventional Banks in the 5 (five) year period 2019 - 2023 which are listed on the Indonesia Stock Exchange (IDX). The research population amounted to 19 companies using the method and determination of the sample in this study using purposive sampling so as to produce a sample of 19 companies. The data used in this study are secondary data using panel data regression data analysis techniques with the help of Eviews software version 12. Based on the results of this study indicate that partially credit risk management (NPL) has no significant effect on financial performance, market risk management (NIM) has a significant effect on financial performance, Liquidity risk management (LDR) has no significant effect on financial performance, Operational risk management (BOPO) has a significant effect on financial performance, Capital Adequacy risk (CAR) has a significant effect on financial performance, then simultaneously credit risk management (NPL), market risk (NIM), Liquidity risk (LDR), operational risk (BOPO) and Capital Adequacy Risk have a significant effect on financial performance (ROA). services, in addition to those already present in the title. Judicious use of keywords may increase the ease with which interested parties can locate our article.