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Juliana, Ahmad
Borneo Tarakan University
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : Jurnal Perspektif Pembiayaan dan Pembangunan Daerah

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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.
Co-Authors AB, Nizhamuddin Anisa Putri Antonius Bahri, Hairul Daran, Yulita Gajan Erine, Octika Fasa, Junia Ihza Fadhila, Ramadandy Jones, Elia Junaid, Muhammad Tharmizi Lada, Suddin Latifah, Iis Malik, Aan Digita Muh. Irfandy Azis Muhammad Azwar Mutoharo, Apriliani Najmuddin, Najmuddin Nursandi, Arif Sabrina, Hardianti Santi Santi Siahaan, Lady Mariani Syahran, Syahran Tobing, Jhon Anderson Lumban Usman, Ferawati Wawo, Andi Basru