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All Journal Dinasti International Journal of Digital Business Management Siber Nusantara of Economic and Finance Review (SNEFR)
Rosalia Nansih Widhiastuti
Universitas Trilogi, Jakarta, Indonesia
Decision Sciences, Operations Research & Management

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The Effects of Credit Risk, Liquidity, and Capital on Profitability of Digital Banks in Indonesia For The Period 2021-2025 Jesika Mega Rahmawati; Rosalia Nansih Widhiastuti
Siber Nusantara of Economic and Finance Review Vol. 2 No. 2 (2026): Siber Nusantara of Economic and Finance Review (April - September 2026)
Publisher : Siber Nusantara Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/snefr.v2i2.1161

Abstract

This study empirically examines the influence of credit risk, liquidity, and capital adequacy on the profitability of digital banks operating in Indonesia throughout the 2021–2025 period. Employing a quantitative research design with a descriptive approach, this investigation utilizes secondary data derived from quarterly audited financial statements of eight digital banks registered under the supervision of the Financial Services Authority, yielding a total of 160 observational units. The panel data regression technique is applied with the Random Effect Model selected as the most appropriate estimation framework following the Chow, Hausman, and Lagrange Multiplier specification tests. To correct for heteroscedasticity, the model is re-estimated utilizing White cross-section standard errors, thereby ensuring the robustness of the statistical inferences. The empirical findings reveal that, when considered jointly, credit risk, liquidity, and capital adequacy exert a statistically significant influence on profitability. However, at the partial level, only liquidity, as proxied by the Loan to Deposit Ratio, demonstrates a positive and statistically significant impact on Return on Assets. In contrast, credit risk, measured by the Non-Performing Loan ratio, and capital adequacy, represented by the Capital Adequacy Ratio, exhibit no statistically significant effects on profitability. These results substantiate that the traditional intermediation function continues to serve as the fundamental driver of profitability within the digital banking sector. Meanwhile, credit risk management and capital buffers function primarily as prudential instruments for risk mitigation rather than as direct determinants of earnings performance. This study contributes to the theoretical extension of the Financial Intermediation Theory by contextualizing its applicability within the rapidly evolving landscape of digital banking in emerging economies.
Revenue Leakage in Hotel Distribution Channels: The Role of Commission Schemes at Swiss-Belinn Kemayoran Jasinta Nur Komar; Rosalia Nansih Widhiastuti
Dinasti International Journal of Digital Business Management Vol. 7 No. 5 (2026): Dinasti International Journal of Digital Business Management (August-September
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijdbm.v7i5.7305

Abstract

This study aims to analyze Revenue Leakage arising from distribution channel mismatches and differences in commission schemes in room bookings at Swiss-Belinn Kemayoran Hotel. The study employs a mixed-method approach with a sequential explanatory design, combining quantitative and qualitative analyses based on reservation data, commission reports, and in-depth interviews with relevant informants during the January–December 2025 period. The findings indicate that room reservations were generated through 14 distribution channels, with 63.65% concentrated in four major channels: Government, Traveloka, Corporate, and Agoda. Commission schemes across the channels were categorized into three groups: zero commission, 15% commission, and 18% commission. The Welch ANOVA results indicate statistically significant differences in net revenue across distribution channels (Sig. = 0.000). Total Revenue Leakage attributable to commission costs during the study period amounted to IDR 2,106,701,384, equivalent to 7.93% of total gross revenue, with Traveloka and Agoda representing the largest contributors. Based on these findings, the study proposes five control strategies: channel mix optimization, commission renegotiation, strengthening direct bookings, digitalization of data reconciliation, and enhanced interdepartmental coordination to minimize Revenue Leakage and improve hotel profitability
Co-Authors Jasinta Nur Komar Jesika Mega Rahmawati