Pengaruh Struktur Kepemilikan, Penyaluran Kredit dan Risiko Kredit terhadap Kinerja Bank Umum Konvensional di Bursa Efek Indonesia Periode 2015-2020: Studi Empiris Pandemi Covid-19 = The Effect of Ownership Structure, Credit Distribution and Credit Risk on Conventional Commercial Banks’ Performance in Indonesia Stock Exchange From 2015-2020: An Empirical Study of The Covid-19 Pandemic