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The Influence of Banking Risk Management on Financial Performance A Case Study of Core Capital Bank Group During and After Covid-19 Jamaluddin; Jamothon Gultom; Noryani; Hasanudin; Ananda Hadistia; Yusran Daeng Matta
Jurnal Aplikasi Bisnis dan Manajemen Vol. 12 No. 1 (2026): JABM, Vol. 12 No. 1, January 2026
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.12.1.258

Abstract

Background: The Core Capital Bank Group is a commercial bank with core capital ranging from < IDR6 trillion to > IDR70 trillion. The existence of this commercial bank is based on the bank's financial performance in each period. Banking risk management plays a crucial role in measuring bank financial performance, although financial performance is still below the expectations of commercial banksPurpose: This study aims to determine the effect of Banking Risk Management on the financial performance of a case study of the Core Capital Bank Group During and After Covid-19.Design/methodology/approach: This study uses descriptive statistical analysis and Panel Data Regression Equation that combines Cross Section and Time Series data with the selection of Random Effect Model (REM) Eviews 13. Data analysis is based on secondary data of Core Capital Commercial Banks with a sample of 14 Banks for the 2020-2024 period with a total of 70 observations.Findings/Results: The research findings show that Credit Risk and Operational Risk have a significant effect on financial performance. Operational Risk has the highest influence with a calculated t of -7.74 and a Prob value of 0.000 (p < 0.05) followed by Credit Risk with a calculated T of -6.02 and a Prob value of 0.000 (p < 0.05). Based on these findings, 2 recommendations are made: 1) Commercial Banks need to manage Credit Risk and Operational Risk so that bank financial performance remains stable. 2) Banks need to tighten their Creditworthiness analysis and the use of Sustainable Standard Operating Procedures.Conclusion: This study concludes that Credit Risk and Operational Risk are part of Banking risk management in improving the financial performance of Core Capital Bank Groups During and after Covid-19 which focuses on sustainable bank financial performance to foster public trust and long-term value for community stakeholders in banking.Originality/value (State of the art): This study contributes to the limited empirical literature on the financial performance of Core Capital Bank Groups based on Banking Risk Management during and after Covid-19 to address the challenges of the existence of commercial banks today amidst the rapid business competition in the banking industry in improving performance and providing services to their customers. Keywords:   bank risk management, core capital bank group, financial performance, panel data regression equation, random effect model
PELATIHAN PENCATATAN KEUANGAN BERBASIS SPREADSHEET DI MTS SAADATUL MAHABBAH PAMULANG Ananda Hadistia; Indri Kharisma; Ardi Bachtiar
JURNAL AKADEMIK PENGABDIAN MASYARAKAT Vol. 4 No. 4 (2026): JULI
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/japm.v4i4.11672

Abstract

Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan pemahaman dan keterampilan siswa serta perangkat sekolah MTs Saadatul Mahabbah Pamulang dalam melakukan pencatatan keuangan berbasis spreadsheet. Latar belakang kegiatan ini didasarkan pada kebutuhan sekolah terhadap administrasi keuangan yang lebih tertib, sistematis, transparan, dan akuntabel. Permasalahan utama yang dihadapi mitra adalah pencatatan keuangan yang masih membutuhkan penguatan dari sisi ketertiban data, ketepatan perhitungan, penyusunan rekap, dan pemanfaatan teknologi sederhana. Metode pelaksanaan kegiatan dilakukan melalui identifikasi kebutuhan mitra, penyusunan materi dan template, sosialisasi, pelatihan, praktik input transaksi, pendampingan, diskusi, tanya jawab, serta evaluasi. Kegiatan dilaksanakan di MTs Saadatul Mahabbah Pamulang dengan peserta sebanyak 40 orang yang terdiri atas siswa dan perangkat sekolah. Hasil kegiatan menunjukkan bahwa peserta mengikuti pelatihan dengan antusias, mampu memahami pentingnya pencatatan pemasukan, pengeluaran, saldo, dan bukti transaksi, serta mampu menggunakan spreadsheet untuk membuat tabel, memasukkan data, menggunakan rumus dasar, dan menyusun rekapitulasi sederhana. Rata-rata capaian kegiatan mencapai 89%, sehingga program ini dinilai berhasil dan relevan dengan kebutuhan mitra. Kegiatan ini diharapkan dapat mendukung peningkatan literasi keuangan, literasi digital, dan tata kelola administrasi keuangan sekolah secara berkelanjutan.