@thesis{thesis,
		author={SHAFIRA  AURA NANDA},
		title ={PENGARUH EFISIENSI OPERASIONAL, RISIKO KREDIT DAN RISIKO LIKUIDITAS TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN DI INDONESIA: SEBELUM DAN MASA PANDEMI COVID-19},
		year={2021},
		url={http://repository.ibs.ac.id/5355/},
		abstract={This study aims to determine the effect of operational efficiency, credit risk, and liquidity risk on bank profitability in Indonesia: before and during pandemic covid-19 using bank size as control variables. The research was conducted at conventional banks listed on the Indonesia Stock Exchange period 2016 to 2020. The study population was a annual report conventional banks in Indonesia so that the number of samples obtained as many as 26 by using a purposive sampling method. The method of analysis used is multiple linear regression analysis. The results showed that the operational efficiency have a positive significant effect on bank profitability before and during pandemic covid-19; credit risk have no effect on bank profitability before and during pandemic covid-19; liquidity risk have a negative significant effect on bank profitability before pandemic covid-19 and have no effect on bank profitability during pandemic covid-19; bank size have a negative significant effect on bank profitability before pandemic covid-19 and have no effect on bank profitability during pandemic covid-19.}
		}