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An Analysis Of The Credit Risk Determinant Using Internal Factor And Macroeconomy Data Kornelia, Nisa; Mongid, Abdul; Suhartono, Suhartono
International Journal of Advanced Multidisciplinary Vol. 1 No. 4 (2023): International Journal of Advanced Multidisciplinary (January - March 2023)
Publisher : Green Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/ijam.v1i4.166

Abstract

This study analyzes the influence of internal bank factors and macroeconomic factors on non-performing loans (NPL) using data from the listed banks in Indonesia. We apply panel data analysis. The bank's internal and macroeconomic variables used in this study include inflation, GDP, BOPO, CAR, bank size, LDR, and ROA. The sample includes all listed banks that cover 40 banks for the period 2016 to 2021. The analysis technique uses descriptive analysis and linear regression analysis. The results of the study show that banks with a high capital adequacy ratio (CAR) own a low credit risk (NPL). While the inefficiency (BOPO) is positive and significant confirming the bad managed bank also having bad credit risk management. GDP growth has a positive coefficient but statistically not significant. Internal variables such as Bank Size, LDR and ROA are all not significant. The result confirmed that well capitalized bank take less risk and inefficient banks have bad credit risk management.
Analysis of Green Finance, Green Innovative Behavior and Digitization of Sustainable Competitive Advantage Mediated by Pro-Environmental Behavior in MSME Actors in West Nusa Tenggara Province huda, Nurul; Mongid, Abdul
Jurnal Penelitian Ekonomi Dan Akuntansi Vol 10 No 2 (2025): JURNAL PENELITIAN EKONOMI DAN AKUNTANSI
Publisher : Program Studi Akuntansi Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze the influence of Green Finance, Green Innovative Behavior, and Digitization on the Sustainable Competitive Advantage of MSMEs in West Nusa Tenggara Province, with Pro-Environmental Behavior as a mediating variable. This research uses a quantitative approach with an explanatory research type, involving 150 MSME actors selected through purposive sampling. Data was collected through questionnaires and analyzed using the Structural Equation Modeling (SEM) model based on Partial Least Squares (PLS). The research results show that the three independent variables directly have a significant effect on Sustainable Competitive Advantage. Apart from that, Pro-Environmental Behavior is proven to mediate the influence of Green Finance, Green Innovative Behavior, and Digitization on these advantages. These findings emphasize the importance of integrating green and digital strategies supported by environmentally friendly behavior in building sustainable competitiveness of MSMEs in the digital era.
Strategies to increase production efficiency in Indonesian Sharia commercial banks using Stochastic Frontier Approach (SFA) Wardhani, Pratystya Ika; Mongid, Abdul
Journal of Economics, Business, and Accountancy Ventura Vol. 21 No. 3 (2018): December 2018 - March 2019
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v21i3.1597

Abstract

The purpose of this research is to examine the right strategy in increasing production efficiency in Sharia commercial banks in Indonesia. This research was conducted in two stages of testing. The first stage is estimating the level of production efficiency of Indonesian Islamic banks in 2010-2017 through the Stochastic Frontier Analysis (SFA) approach. The second stage uses Tobit regression to examine the relationship between the efficiency of production of sharia commercial banks with specific bank characteristics, including; LASSET, CAR, NPF, GCG, NOM and FDR. The results indicate that the level of production efficiency of sharia commercial banks is strongly influenced by several things. From the input side, optimization of DPK, PSC and LC components is needed to maximize production efficiency. This study also found that CAR (solvency performance), NPF (asset quality performance), NOM (profitability performance), and FDR (liquidity performance) greatly influenced variations in the efficiency of Indonesian Islamic banks. Improving the quality of financing supported by an increase in the operational system and the quality of human resources and began to concentrate on revenue sourced from services to be a solution that could be implied by Indonesian Islamic banks.
PENGARUH GAYA KEPEMIMPINAN TRANSFORMASIONAL, LINGKUNGAN KERJA, DAN MOTIVASI KERJA TERHADAP KEPUASAN KERJA PADA BANK NTT CABANG KALABAHI Ningrum, Dwi Mariana; Mongid, Abdul; Julianti, Emma
Jemasi: Jurnal Ekonomi Manajemen dan Akuntansi Vol 19 No 2 (2023): JEMASI: Jurnal Ekonomi, Manajemen, dan Akuntansi
Publisher : Fakultas Ekonomi Universitas IBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35449/jemasi.v19i2.679

Abstract

This study aims to determine whether transformational leadership style, work environment, and work motivation have a positive effect on employee job satisfaction. This research was conducted on employees of the Kalabahi Branch of Bank NTT who had worked for at least one year. The number of respondents was 54 employees using the purposive sampling method and the analytical technique used was the SPSS Statistics 26 multiple linear regression analysis technique. The results showed that there was a positive and significant influence of transformational leadership style, work environment, and work motivation on job satisfaction of Bank NTT employees Kalabahi Branch. This research is expected to be input for companies to be able to manage transformational leadership style, work environment, and better work motivation in order to provide greater job satisfaction for all employees of Bank NTT Kalabahi Branch so that employee performance can increase and company goals are well achieved.
PELATIHAN MANAJEMEN RESIKO BISNIS KELOMPOK KOPERASI SYARIAH BAITUL MAAL WAT TAMWIL (BMT) SURABAYA Haryono, Nadia Asandimitra; Mongid, Abdul; Wardoyo, Dewie Tri Wijayati; Hariyati, Hariyati; Iriani, Sri Setyo; Amelia, Ratih
Jurnal Abdi Insani Vol 12 No 10 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i10.2999

Abstract

Koperasi Syariah Baitul Maal wat Tamwil (BMT) di Surabaya menghadapi tantangan serius yang berdampak pada kinerja kelembagaan dan daya tarik terhadap nasabah baru. Beberapa isu utama yang diidentifikasi meliputi kualitas sumber daya manusia yang belum merata, minimnya inovasi dalam pengembangan produk keuangan, serta lemahnya efisiensi operasional dan sistem pengelolaan risiko. Kondisi ini berpotensi menghambat pertumbuhan kelembagaan dan menurunkan tingkat kepercayaan masyarakat terhadap layanan BMT. Untuk menjawab permasalahan tersebut, telah dilaksanakan kegiatan Pelatihan Manajemen Risiko Bisnis berbasis syariah yang dirancang secara komprehensif bagi pengurus dan anggota BMT. Metode kegiatan meliputi penyampaian materi interaktif yang berbasis prinsip-prinsip manajemen risiko syariah, analisis studi kasus dari praktik koperasi lokal, serta diskusi kelompok terstruktur yang mendorong refleksi kritis dan pemecahan masalah secara kolaboratif. Fokus pelatihan diarahkan pada penguatan kapasitas SDM, pengembangan produk keuangan yang relevan dengan kebutuhan masyarakat, pemanfaatan teknologi informasi untuk efisiensi operasional, serta penerapan sistem pengendalian internal yang sesuai dengan prinsip transparansi dan akuntabilitas syariah. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman peserta terhadap konsep manajemen risiko, serta kesadaran kolektif akan pentingnya inovasi dan efisiensi sebagai fondasi keberlanjutan usaha. Kesimpulannya, pelatihan ini berhasil memperkuat kapasitas kelembagaan BMT, meningkatkan kepercayaan masyarakat, dan memperkuat peran sosial-ekonomi koperasi syariah dalam pemberdayaan umat secara berkelanjutan.