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The impact of credit risk on market discipline: Exploring the moderating role of corporate governance through Generalized Method of Moments (GMM) analysis in banking companies Juliana, Ahmad; Najmuddin, Najmuddin; Junaid, Muhammad Tharmizi
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 6 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i6.26181

Abstract

High credit risk poses a significant threat to banks, underscoring the necessity to examine the effectiveness of good corporate governance in mitigating such risks. This study aims to assess the impact of credit risk, represented by non-performing loans (NPLs), on market discipline, reflected through deposit growth, and the moderating role of good corporate governance, focusing on board size and institutional ownership, in this dynamic. Data for the study were sourced from the financial reports of banking companies on their official websites, IDN Financial, and the Indonesia Stock Exchange. The study used a purposive sampling method to analyze a sample comprising 30 banking companies and yielded 300 observations. The research methodology involved dynamic panel regression analysis using the Generalized Method of Moments (GMM) technique. The findings reveal that non-performing loans negatively impact deposit growth. However, it was also found that board size and institutional ownership could positively moderate the adverse effects of non-performing loans on deposit growth. This suggests that market discipline, manifesting as a reduction in deposits and an escalation in credit risk within the Indonesian banking sector, can be effectively managed and mitigated through the strategic implementation of good corporate governance practices, particularly by optimizing board size and enhancing institutional ownership. These mechanisms enable more robust market discipline, contributing to better credit risk management and promoting healthier deposit growth.
Efektivitas Penggunaan Dana Desa terhadap Pengembangan Infrastruktur Desa dan Pengembangan Potensi Ekonomi Lokal di Kecamatan Tambun Utara Kabupaten Bekasi: Studi Kasus Desa Karang Satria Najmuddin, Najmuddin; Achmad, Mansyur; Suwanda, Dadang
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 4 No. 2 (2024): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v4i2.743

Abstract

To overcome problems in village development, the government provides village funds. The form of use can be in the form of village infrastructure development and development of local economic potential. The aim of this research is to obtain an overview and describe the effectiveness of the use of village funds for village infrastructure and the development of local economic potential in North Tambun District, Bekasi Regency. The research methodology uses qualitative research with an inductive approach. Researchers want to know clearly about the effectiveness of the use of village funds in developing village infrastructure and developing local economic potential in Tambun Utara District, Bekasi Regency, especially in Karang Satria Village. The researcher describes the state of the research object and then discusses it to obtain general conclusions and understanding of the object under study. The results of this research are that the use of village funds for village infrastructure and local economic development in North Tambun District, especially in Karang Satria Village, was implemented effectively. The community gave positive responses and felt the benefits of the various programs that had been held, such as paving roads, providing public facilities, creating a drainage system, as well as adding facilities and infrastructure or office furniture. Providing village funds through BUM Des Satria Istiqomah has also provided benefits to the people of Karang Satria Village and its surroundings. BUM Des Satria Istiqomah has a permanent building and various economic improvement programs as well as business units that provide the best service for residents. In addition, there is the role of Mikro, Small, and Medium Enterprises (MSME) and MSMEs at the sub-district level which oversees various micro, small and medium enterprises. Through MSMEs, mutually beneficial reciprocal relationships are created between entrepreneurs, village governments, and village residents.
Supervisi Akademik Kepala Madrasah dalam Mengembangkan Profesionalisme Guru Berbasis Inovatif di MIN 29 Kembang Tanjong Nazaruddin, Nazaruddin; Muamar, Rezeki; Najmuddin, Najmuddin
Jurnal Ragam Pengabdian Vol. 3 No. 2 (2026): Mei-Agustus, Sustainable Development Goals (SDGs): Multidisciplinary Perspectiv
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/aaq8ar56

Abstract

Supervisi akademik merupakan fungsi strategis kepala madrasah dalam meningkatkan kualitas pembelajaran dan profesionalisme guru. Penelitian deskriptif kualitatif ini dilaksanakan di MIN 29 Kembang Tanjong, Kabupaten Pidie, dengan melibatkan kepala madrasah, guru, koordinator kurikulum, dan pengawas madrasah. Data dikumpulkan melalui observasi, wawancara mendalam, dan analisis dokumen, kemudian dianalisis melalui reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa supervisi akademik dilaksanakan secara sistematis melalui perencanaan, pelaksanaan, evaluasi, dan tindak lanjut. Pelaksanaannya meliputi observasi kelas, peninjauan dokumen pembelajaran, diskusi reflektif, pembinaan, pendampingan, serta pemberian umpan balik yang konstruktif, humanis, dan kolaboratif. Tindak lanjut dilakukan melalui pembinaan individu, lokakarya internal, kegiatan Kelompok Kerja Guru (KKG), pendampingan penyusunan bahan ajar, dan pemantauan berkelanjutan. Faktor pendukung meliputi kepemimpinan demokratis, komunikasi efektif, komitmen guru, budaya kolaboratif, dukungan pengawas, dan pemanfaatan teknologi informasi. Tantangannya meliputi keterbatasan waktu, beban mengajar, kecemasan guru, dan keterbatasan fasilitas teknologi. Inovasi supervisi melalui coaching, mentoring, diskusi reflektif, komunitas belajar, supervisi kolaboratif, dan platform digital meningkatkan kompetensi guru, kreativitas mengajar, keterampilan integrasi teknologi, serta budaya perbaikan berkelanjutan.