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All Journal Diponegoro Journal of Management
Wisnu Mawardi
Fakultas Ekonomika dan Bisnis Universitas Diponegoro
Decision Sciences, Operations Research & Management

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Analisis Pengaruh Digital Finance terhadap Environmental, Social, dan Governance (ESG) dengan Green Innovation dan Environmental Information Disclosure sebagai Variabel Intervening: Studi pada Perusahaan Perbankan yang Terdaftar di BEI Periode 2020-2024 Nabila Khairunisa; Wisnu Mawardi
Diponegoro Journal of Management Volume 15, Nomor 3, Tahun 2026
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This study aims to analyse the effect of Digital Finance Innovation (DFI) on Environmental, Social, and Governance (ESG) performance, with Green Innovation (GI) and Environmental Information Disclosure (EID) as mediating variables, among banking companies listed on the Indonesia Stock Exchange during 2020–2024. The research used a quantitative approach with panel data regression analysis. The sample consisted of 21 banking companies selected through purposive sampling, yielding 105 observations. Data analysis was conducted using Stata 17 with a fixed-effects model (FEM), a Random-Effects Model (REM), and the Sobel Test. The results indicate that DFI has no significant effect on ESG, GI, or EID. Meanwhile, GI and EID have a positive and significant effect on ESG performance. The mediation test shows that GI does not mediate the relationship between DFI and ESG, whereas EID significantly mediates this relationship. These findings indicate that the implementation of digital finance in the Indonesian banking sector remains more oriented toward operational efficiency and administrative transparency than toward substantive sustainability transformation. This study contributes to the development of stakeholder legitimacy and digital transformation theories in explaining ESG practices within the banking industry.
Analisis Pengaruh Loan Growth terhadap Profitabilas dengan Non-Performing Loan sebagai Variabel Mediasi Agung Samodro; Wisnu Mawardi
Diponegoro Journal of Management Volume 14, Nomor 2, Tahun 2025
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

This study examines the relationship between Loan Growth (LG), Non-Performing Loans (NPL), and Return On Assets (ROA) in Indonesian Conventional Commercial Banks during the OJK’s credit restructuring policy (2020–2023).Using financial acceleration theory and utilizing panel data regression with EViews-13 and sobel test, the secondary data were sourced from IDX, Bloomberg, OJK, and annual reports through a purposive sampling method.The findings reveal that LG has a significantly negative impact on NPL, while positively influencing ROA. NPL exerts a significantly negative effect on ROA and serves as a mediating variable in the indirect relationship between LG and ROA. The control variables, Bank Size and Net Interest Margin (NIM), exhibit a significantly positive effect on ROA and help mitigate external bias by 2.6%. This study contributes  a novelty contribution by integrating Financial Acceleration Theory within the context of Indonesia's economic crisis to examine the impact of Loan Growth on bank profitability, considering risk as a bridge for the indirect relationship.
Co-Authors Agung Samodro Nabila Khairunisa