The Effect of Firm-Specific Risk and Macro Economic Factors on The Performance of Islamic and Conventional Bank

The performance of Islamic banks still fluctuates every year and even their ratios are below the BI standard per bank. purpose this research is to evaluate impact firm-specific risk (credit risk, liquidity operational risk) macroeconomic factors (inflation, GDPG unemployment) on commercial conventional (ROA) in Indonesia. Comparison with made because differences respective banking operations/systems. uses quantitative methods secondary data recorded at OJK for 2017-2021 period. result banks, only credit variable II have a significant negative effect ROA banks. other four variables no In variables, inflation GDP bank ROA. three