Peran Strategi Manajemen Risiko dalam Mengoptimalkan Likuiditas dan Meminimalkan Risiko Kredit di Industri Perbankan di Indonesia
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Abstract
Tujuan utama dari penelitian ini adalah untuk menguji peran strategi manajemen risiko dalam mengoptimalkan likuiditas dan meminimalkan risiko kredit di perbankan Indonesia. Penelitian ini menguji peran strategi manajemen risiko dalam mengoptimalkan likuiditas dan meminimalkan risiko kredit dalam industri perbankan Indonesia. Dengan menggunakan pendekatan kuantitatif, data dikumpulkan dari 130 profesional perbankan melalui kuesioner terstruktur dengan menggunakan skala Likert mulai dari 1 sampai 5. Analisis dilakukan dengan menggunakan Structural Equation Modeling-Partial Least Squares (SEM-PLS 3) untuk menguji hipotesis yang diajukan. Temuan menunjukkan bahwa strategi manajemen risiko yang efektif secara signifikan meningkatkan optimalisasi likuiditas dan mengurangi risiko kredit. Hasil penelitian ini menggarisbawahi pentingnya kerangka kerja manajemen risiko yang kuat dalam menjaga stabilitas keuangan dan meningkatkan kinerja bank-bank di Indonesia secara keseluruhan. Wawasan ini menawarkan implikasi yang berharga bagi para pembuat kebijakan dan lembaga perbankan yang bertujuan untuk memperkuat praktik manajemen risiko mereka dalam lingkungan ekonomi yang dinamis.
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