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All Journal Assets: Jurnal Akuntansi dan Pendidikan International Journal of Emerging Research and Review
Ghani, Erlane K
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Economics, Econometrics & Finance Education Social Sciences Other

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AN IN-DEPTH ANALYSIS OF HOW CAR, CREDIT RISK, AND LIQUIDITY AFFECT PROFITABILITY Hasanuh, Nanu; Sulistiyo, Hari; Sidik, Solihin; Suartini, Sri; Ghani, Erlane K; Chudjuarjeen, Saichol; Manda, Gusganda Suria
Assets: Jurnal Akuntansi dan Pendidikan Vol. 13 No. 1 (2024)
Publisher : Universitas PGRI Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/jap.v13i1.19182

Abstract

ABSTRACT This study examines the impact of credit risk, liquidity, and capital adequacy level (CAR) on profitability in the Indonesian banking sector while accounting for bank size moderation. The results of a linear regression study of panel data using annual financial report data from banks listed on the Indonesia Stock Exchange (2017-2022) show that although credit risk has an adverse effect and liquidity does not affect profitability, CAR does not significantly affect profitability. While bank size enhances the beneficial moderation of credit risk on profitability, it does not mitigate the impact of CAR and liquidity. Encouragement of Indonesian banks to enhance credit risk management while taking into account extra elements like operational effectiveness and product innovation are some of the practical ramifications. Additionally, these findings offer theoretical advancements in the field of agency. ABSTRAK Penelitian ini menguji dampak risiko kredit, likuiditas, dan tingkat kecukupan modal (CAR) terhadap profitabilitas di sektor perbankan Indonesia dengan memperhitungkan moderasi ukuran bank. Hasil studi regresi linier data panel dengan menggunakan data laporan keuangan tahunan dari bank-bank yang terdaftar di Bursa Efek Indonesia (2017-2022) menunjukkan bahwa meskipun risiko kredit memiliki pengaruh negatif dan likuiditas tidak berpengaruh terhadap profitabilitas, namun CAR tidak berpengaruh secara signifikan terhadap profitabilitas. Meskipun ukuran bank meningkatkan moderasi yang menguntungkan dari risiko kredit terhadap profitabilitas, namun tidak mengurangi dampak CAR dan likuiditas. Dorongan bagi bank-bank di Indonesia untuk meningkatkan manajemen risiko kredit dengan mempertimbangkan elemen-elemen lain seperti efektivitas operasional dan inovasi produk merupakan beberapa konsekuensi praktisnya. Selain itu, temuan ini juga memberikan kemajuan teoritis mengenai keagenan.
The Influence of Financial Literacy, Work Experience, Parents' Socioeconomic Status on the Personal Financial Management of Accounting Education Students Rohayati, Suci; Saputra, Irwan Adimas Ganda; Ghani, Erlane K
International Journal of Emerging Research and Review Vol. 2 No. 3 (2024): September
Publisher : IKIP Widya Darma Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56707/ijoerar.v2i3.73

Abstract

Objectives: The role of students is expected to be able to improve the economy with good financial management patterns. This seems difficult to achieve because the financial literacy of youth age groups such as university students and school students is relatively low. Method: This research analyzes factors that influence students' personal financial management, such as financial literacy, work experience, and socio-economic status. This quantitative research used random sampling techniques with a sample size of 32 respondents. Data was collected using questionnaires and questionnaires which were then analyzed using multiple linear regression. Results: The research results show that financial literacy, work experience and parents' socio-economic status simultaneously or partially influence students' personal financial management. Novelty: This research focuses on accounting education students whose scientific basis is in accordance with financial literacy and is still rarely researched.
Co-Authors Chudjuarjeen, Saichol Gusganda Suria Manda Hari Sulistiyo Irwan Adimas Ganda Saputra Nanu Hasanuh Solihin Sidik Sri Suartini Suci Rohayati