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All Journal WIDYAKALA JOURNAL JIKA: Jurnal Ilmu Keuangan dan Perbankan Jurnal Ilmiah Manajemen Kesatuan International Journal of Business, Law, and Education The Es Economics and Entrepreneurship West Science Business and Management The Eastasouth Journal of Social Science and Humanities
Mala, Chajar Matari Fath
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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Journal : Jurnal Ilmiah Manajemen Kesatuan

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Credit Risk Management via Capital Adequacy: Insights on Stability from Indonesia Regional Banks Mala, Chajar Matari Fath; Jumono, Sapto
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3175

Abstract

This study investigates the moderating role of Capital Adequacy Ratio on the relationship between Non-Performing Loans and core banking indicators Lerner Index, market share of loans, market share of deposits, technical efficiency, scale efficiency, and interest rate spread across two categories of Indonesian Regional Development Banks: undercapitalized (Category-1) and well-capitalized (Category-2). Using quarterly panel data from 24 Indonesian Regional Development Banks for the period 2012–2022 and estimated with Generalized Least Squares, the results show that Capital Adequacy Ratio significantly moderates the effect of Lerner Index, market share of deposits, and interest rate spread on Non-Performing Loans, strengthening risk absorption capacity in Category-2 banks. However, Capital Adequacy Ratio does not effectively mitigate risks arising from aggressive loan growth, particularly in Category-1 banks. Additionally, technical efficiency and scale efficiency reduce Non-Performing Loans only when capital buffers are adequate. These findings suggest that Capital Adequacy Ratio affects the risk–return trade-off differently across bank types, highlighting the importance of tailored regulatory frameworks and reinforcing the notion that capital adequacy must be supported by strong governance and operational efficiency to effectively manage credit risk.
Co-Authors Aziz, Lukmanul Hakim Cynthia Sari Dewi Ganika, Gerry Lastro, Djano Putri Maharani Riani, Ayundah Sapto Jumono Windarko Windarko Yusuf Iskandar Yusup, Tiara Yuristina