Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Jurnal Manajemen
Indah Purnama Sari Mardjuni
Department of Digital Business, STMIK Kharisma Makassar,
Economics, Econometrics & Finance

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Determinants of Indonesian Bank Profitability Across Pandemic and Non-Pandemic Periods Nuuridha Matiin; Fatchur Rochman; Mohammad Sofyan; Mochamad Ramza Rapier Gussa; Indah Purnama Sari Mardjuni
Jurnal Manajemen Vol. 30 No. 2 (2026): June-September 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v30i2.4114

Abstract

Bank profitability is influenced by bank-specific conditions, macroeconomic changes, and economic disruptions. This study examines the short-run dynamic effects of credit distribution, operating expenses to operating income, capital adequacy, inflation, and the COVID-19 pandemic on return on assets in the Indonesian banking industry. Aggregate monthly commercial banking data were obtained from official publications of the Indonesian Financial Services Authority and Bank Indonesia. All available observations were included through total sampling. Stationarity was examined using the Augmented Dickey–Fuller test, followed by a stationary dynamic autoregressive distributed lag model with automatic lag selection based on the Akaike information criterion. Profitability exhibited persistence. Changes in credit distribution negatively affected profitability, while operating inefficiency produced a delayed negative effect. Changes in capital adequacy and inflation were insignificant. The pandemic dummy was negative but insignificant. Mixed stability evidence was identified, indicating that credit quality and operating efficiency were the principal short-run profitability considerations.
Co-Authors Fatchur Rochman Mochamad Ramza Rapier Gussa MOHAMMAD SOFYAN Nuuridha Matiin