THE IMPACT OF LIQUIDITY RISK OPTIMIZATION ON STABILITY

Item Type:	Article
Title:	THE IMPACT OF LIQUIDITY RISK OPTIMIZATION ON STABILITY
Abstract:	ABSTRACT This research was conducted with the aim of knowing the effect of liquidity risk on bank stability with credit risk and operational efficiency as intervening variables for Islamic Commercial Banks in Indonesia for the 2012-2021 period. This study uses secondary data on the financial reports of Islamic commercial banks issued by the financial services authority (OJK) for the period 2012 to 2021. The sample was taken using a non-probability sampling technique, namely purposive sampling in order to obtain 10 Islamic commercial banks. The analysis technique is carried out by testing 6 (six) hypotheses. The results of this study indicate that liquidity risk can have a direct effect on bank stability, but there are also credit risk and operational efficiency variables play a role in mediating the relationship to the stability of the bank. Meanwhile, liquidity risk is not able to directly affect the operational efficiency of the bank. Keywords: Liquidity Risk, Credit Risk, Operational Efficiency, Bank Stability
Creators:	Yulianti, Maria Lusiana and Pakata, Rosmiati and S., Nanok Fitriyadi
Depositing User:	Mr. Billy Salim Sudiro, S.T.
Date Deposited:	17 Oct 2025 08:54
Last Modified:	17 Oct 2025 08:54
URI:	https://repo.unwim.ac.id/id/eprint/1266

ABSTRACT

This research was conducted with the aim of knowing the effect of liquidity
risk on bank stability with credit risk and operational efficiency as
intervening variables for Islamic Commercial Banks in Indonesia for the
2012-2021 period. This study uses secondary data on the financial reports of
Islamic commercial banks issued by the financial services authority (OJK) for
the period 2012 to 2021. The sample was taken using a non-probability
sampling technique, namely purposive sampling in order to obtain 10 Islamic
commercial banks. The analysis technique is carried out by testing 6 (six)
hypotheses. The results of this study indicate that liquidity risk can have a
direct effect on bank stability, but there are also credit risk and operational
efficiency variables play a role in mediating the relationship to the stability
of the bank. Meanwhile, liquidity risk is not able to directly affect the
operational efficiency of the bank.

Keywords:
Liquidity Risk,
Credit Risk,
Operational Efficiency,
Bank Stability