Analisis pengaruh risiko kredit, risiko likuiditas, serta risiko operasional terhadap kinerja perbankan : studi kasus pada bank umum konvensional yang terdaftar di Bursa Efek Indonesia periode 2016-2020 = Effect analysis of credit risk, liquidity risk, and operational risk towards banking performance : case study of conventional banks listed in IDX Period 2016-2020