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All Journal Journal of Management - Small and Medium Enterprises (SME's)
Erina Fitria Romadhoni
Ahmad Dahlan Institute of Technology and Business Lamongan, Lamongan, East Java
Economics, Econometrics & Finance

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The effect of credit risk and income diversification on financial sustainability with operational efficiency as a moderating Erina Fitria Romadhoni; Achmad Farid Dedyansyah; Irma Indira
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.26873

Abstract

This research intends to investigate and assess the influence of credit risk and revenue diversification on the financial sustainability of banking businesses listed on the Indonesia Stock Exchange throughout the 2020–2024 period. The study applies a quantitative method with a descriptive approach. The population contains 47 banking companies, whereas the sample consists of 34 companies selected through purposive selection. Data analysis was carried out using SPSS version 24, applying multiple linear regression and Moderated Regression Analysis (MRA). The findings suggest that credit risk and income diversification positively influence financial sustainability. In contrast, operational efficiency has a detrimental influence on financial sustainability. Furthermore, operational efficiency, as a moderating variable, is found to have a significant negative moderating influence on the link between credit risk and financial sustainability, as well as between income diversification and financial sustainability. Keywords: Credit Risk; Operational Efficiency; Financial Sustainability; Income Diversification
Co-Authors Achmad Farid Dedyansyah Irma Indira