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All Journal JURNAL RUMPUN MANAJEMEN DAN EKONOMI Escalate : Economics and Business Journal
Dijan Mardiati
Pamulang University
Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Social Sciences

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Machine Learning for Financial Distress Prediction: A Bibliometric Analysis of Global Research Trends and Future Research Agenda Dijan Mardiati
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 3 No. 4 (2026): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v3i4.12149

Abstract

Financial distress represents a critical stage preceding corporate bankruptcy, making its accurate prediction an urgent need for creditors, investors, and regulators. Conventional statistical models such as the Altman Z-Score (Altman, 1968) are limited in capturing non-linear relationships among financial variables, driving the rapid growth of machine learning as a methodological alternative (Ben Jabeur et al., 2023; Breiman, 2001). Although the volume of publications in this domain has risen sharply, systematic mapping of its intellectual structure, dominant actors, and thematic development remains limited. This study aims to map publication trends, country contributions, thematic cluster structures, and keyword co-occurrence networks in machine learning research for financial distress prediction, while formulating a future research agenda. Data were retrieved from Scopus, accessed on 18 July 2026, and filtered through three screening stages (open access, article document type, and exclusion of irrelevant fields), yielding a final set of 642 documents analyzed using VOSviewer (Van Eck & Waltman, 2010) with a minimum threshold of 20 keyword occurrences. The results reveal a sharp increase in publications after 2020, peaking in 2025; the dominance of China, the United States, and Taiwan; and the formation of four thematic clusters representing comparative-methodological, core-substantive, technical-optimization, and managerial-application dimensions. The novelty lies in the simultaneous integration of five bibliometric dimensions based on the most recent data up to mid-2026, accompanied by twenty-two research agendas linking thematic gaps with emerging topics such as explainable AI (Bussmann et al., 2021), generative AI (Kim et al., 2024), and graph neural networks (Li et al., 2022). Practically, this study guides academics and risk-management practitioners in directing research and adopting financial distress prediction models that are more relevant to current artificial intelligence developments.
The Effect of Economic Growth, Inflation, and Price to Book Value on Stock Prices at PT Blue Bird Tbk in 2015-2024 Amelia Kholifah Ariesta; Dijan Mardiati
Escalate : Economics and Business Journal Vol. 4 No. 02 (2026): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v4i02.720

Abstract

This study aims to examine the effect of Economic Growth, Inflation, and Price to Book Value (PBV) on stock prices at PT Blue Bird Tbk during the 2015-2024 period. The sample used in this study consists of secondary data obtained from the financial statements of PT Blue Bird Tbk during the 2015-2024 period. The sample used in this study consists of secondary data obtained from the financial statements of PT Blue Bird Tbk and macroeconomic data in the form of Economic Growth and Inflation during the 2015-2024 period. This study employed a quantitative rfesearch method using descriptive statistical analysis, classical assumption tests, multiple linear regression analysis, hypothesis testing consisting of partial test (T-test) and simultaneous tests (F-test), as well as the coefficient of determination test using SPSS version 27. The results indicate that the Economic Growth variable (X1) has no significant effect on Stock Prices (Y), with a significant value of 0.846 > 0.05. (X2) has no significant effect on Stock Prices (Y), with a significance value of 0.757 < 0.05. Meanwhile, the price to book value (X3) with a significant value of 0.001> 0.05 The result of the F test shows that Economic Growth (X1), Inflation (X2), and Price To Book Value (X3) simultaneously have a significant effect on stock prices (Y), as indicated by the calculated F-value (981.393) which is greater than the F-table value (4.757), and a significant value of 0.001 < 0.05. Furthermore, the result of the coefficient of determination test shows that the Adjusted R Square (R2) value is 0.997. This indicates that the independent variables are able to explain 99.7% of the variation in the dependent variable, while the remaining 0.3 % is explained by other variables outside the scope of this study.
The Effect of Net Interest Margin, Loan to Deposit Ratio, and Non-Performing Loans on Profit Growth at PT Bank CIMB Niaga Tbk for the Period 2015-2024 Aditya Fernando Putra; Dijan Mardiati
Escalate : Economics and Business Journal Vol. 4 No. 3 (2026): Escalate : Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v4i3.690

Abstract

The banking sector plays an important role in maintaining financial stability and supporting economic growth, while profit growth reflects bank performance. This study aims to analyze the effect of Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL) on profit growth at PT Bank CIMB Niaga Tbk for the period 2015–2024. This study uses an associative quantitative approach with secondary data from annual financial reports. The sample consists of 10 observation periods. Data were collected through documentation and analyzed using descriptive statistics, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination using SPSS 27. The results show that NIM has a negative and significant effect on profit growth, LDR has no significant effect, and NPL has a positive and significant effect. Simultaneously, NIM, LDR, and NPL have a significant effect on profit growth, with an adjusted R² of 75.4%, indicating that the model explains 75.4% of the variation in profit growth. These findings indicate that NIM and NPL are significant factors associated with profit growth during the study period.
Co-Authors Aditya Fernando Putra Amelia Kholifah Ariesta