Aloysius Ajab Amin
Department of Economics, KIMEP University, Almaty, Kazakhstan

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When Do Bank Fundamentals Matter for Stock Performance? A Structured Review of NIM, ROA, LDR, CAR, NPL, and GDP Karina Wulansari; Aloysius Ajab Amin
Economy and Finance Enthusiastic Vol. 4 No. 1 (2026): January-June
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/efe.v4i1.687

Abstract

Bank stock valuation is often modeled as a direct function of accounting ratios, yet the literature reports unstable signs for net interest margin (NIM), return on assets (ROA), loan-to-deposit ratio (LDR), capital adequacy ratio (CAR), and non-performing loans (NPL). This review asks when these indicators become informative for stock performance and whether gross domestic product (GDP) should be treated as a conditioning state rather than a routine control. A structured integrative search of Crossref and OpenAlex identified 2,056 records published from January 2021 to July 2026. After deduplication, relevance screening, and extended metadata or abstract appraisal, 56 evidence sources were synthesized; four methodological and primary institutional sources supported reporting and construct definition. The synthesis shows that ROA provides the most stable positive signal, whereas NPL has the most consistent adverse association. NIM is positive only when asset yields reprice faster than funding costs and the margin is not produced by excessive risk. LDR and CAR exhibit trade-offs: both support intermediation and resilience, but extreme liquidity deployment or excess capital can weaken market valuation. GDP growth changes borrower quality, credit demand, margins, provisioning, and risk appetite, making the ratio–return relationship asymmetric across expansions and contractions. The review therefore proposes a state-contingent framework in which GDP moderates five bank-fundamental channels through earnings persistence, funding risk, loss absorption, and credit impairment. The framework clarifies contradictory findings and provides testable designs for bank-level research, including the Indonesian market.
Teacher Self-Efficacy and Organizational Citizenship Behavior as Predictors of Teacher Performance in Public Vocational Schools: Evidence from Mataram City, Indonesia Nasrullah Nasrullah; Aloysius Ajab Amin; Hasim Hasim
International Journal of Management Science Vol. 4 No. 1 (2026): January-June
Publisher : Tinta Emas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59535/ijms.v4i1.674

Abstract

Teacher performance remains a central concern in vocational education because teachers are expected to translate technical curricula, classroom management, assessment, and student guidance into measurable learning outcomes. This study examined the effects of teacher self-efficacy and organizational citizenship behavior (OCB) on the performance of civil-servant teachers in public vocational schools in Mataram City, Indonesia. A quantitative ex post facto design was applied to a population of 354 teachers, from which 200 respondents were selected using proportional sampling based on Slovin's formula. Data were collected using structured Likert-scale questionnaires and analyzed through descriptive statistics, reliability testing, classical assumption testing, simple linear regression, and multiple linear regression. The results show that teacher self-efficacy positively and significantly predicted teacher performance (B = 0.129, t = 11.113, p = 0.003; adjusted R2 = 0.741). OCB also positively and significantly predicted teacher performance (B = 0.298, t = 9.541, p = 0.001; adjusted R2 = 0.408). When self-efficacy and OCB were entered simultaneously, the regression model remained significant (F = 22.922, p = 0.006; adjusted R2 = 0.619), indicating that personal efficacy beliefs and extra-role organizational behavior jointly explain a substantial proportion of teacher performance. These findings suggest that improving vocational-school teacher performance requires interventions that strengthen teachers' instructional confidence while also building a collaborative, prosocial, and school-supportive professional culture. The study contributes to educational management literature by integrating personal and organizational-behavioral predictors of teacher performance in a vocational-school context.