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p-Index From 2021 - 2026
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All Journal Business Innovation and Entrepreneurship Journal
Junita C. Nenabu
Universitas Nusa Cendana
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Analysis Of Financial Distress At PT Bank NTT (Period 2020-2023) Fransiska Tri Marta Sari Ngganggus; Pius Bumi Kellen; Junita C. Nenabu; Sari A. Natonis
Jurnal Inovasi Bisnis dan Kewirausahaan Vol 7 No 3 (2025): Business Innovation and Entrepreneurship Journal (August)
Publisher : Entrepreneurship Faculty, Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35899/biej.v7i3.1017

Abstract

Kesulitan keuangan merupakan suatu kondisi di mana perusahaan mengalami kesulitan keuangan yang pada akhirnya dapat mengakibatkan kebangkrutan. Bagi bank, kondisi seperti itu memerlukan intervensi yang cepat dan efektif untuk mencegah kemerosotan lebih lanjut. Penelitian ini bertujuan untuk menilai kesulitan keuangan PT Bank NTT selama periode 2020–2023 menggunakan Altman Z-Score dan model Zmijewski. Analisis menggunakan model Altman Z-Score menunjukkan bahwa PT Bank NTT berada di area abu-abu, yang menunjukkan kondisi keuangan yang cukup tidak sehat. Sebaliknya, model Zmijewski mengungkapkan bahwa bank mengalami tingkat kesulitan keuangan yang lebih parah. Analisis komparatif dari kedua model menunjukkan bahwa, sementara Altman Z-Score menandakan ketidakstabilan, model Zmijewski memberikan indikasi yang lebih konklusif bahwa PT Bank NTT berisiko tinggi bangkrut. Temuan ini menggarisbawahi perlunya langkah-langkah strategis segera untuk memulihkan kesehatan keuangan bank.
The The Influence of Capital Structure and Credit Risk On Profitability in Companies Banks Listed on the Stock Exchange Indonesia (BEI) Period (2019-2023) Debby Debora Violeta Mauk; Junita C. Nenabu; Lustry Rahayu
Jurnal Inovasi Bisnis dan Kewirausahaan Vol 8 No 2 (2026): Business Innovation and Entrepreneurship Journal (May)
Publisher : Entrepreneurship Faculty, Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35899/biej.v8i2.1197

Abstract

The findings indicate that it is effective management of funding composition and credit quality is crucial for maintaining banking stability and enhancing financial performance. Simultaneously, capital structure (DER) and credit risk (NPL) exert a significant influence on profitability (ROA), accounting for 43.7% of its variations. Partially, capital structure (DER) shows a negative and significant impact on ROA, US higher debt proportions increase interest burdens and financial risk, thereby suppressing profitability. In contrast, credit risk (NPL) demonstrates a positive but insignificant effect on ROA, reflecting that NPL fluctuations remain within manageable levels and can be mitigated through operational efficiency and revenue diversification. This quantitative study employed a causal approach, analyzing data panel using regression techniques with selection-based model on the Chow and Hausman tests. The population comprised 47 banking listed firms on the IDX during 2019–2023, with 20 firms selected through purposive sampling. This study was conducted to examine the influence of capital structure and credit risk on bank profitability.
Co-Authors Debby Debora Violeta Mauk Fransiska Tri Marta Sari Ngganggus Lustry Rahayu Pius Bumi Kellen Sari A. Natonis