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All Journal JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Journal of Financial Economics & Investment
Poerwanti, Ririn
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Bank Profitability in Indonesia During COVID-19 Outbreak: Profitabilitas Bank di Indonesia Selama Wabah COVID-19 Khalifaturofi'ah, Sholikha Oktavi; Listyarti, Indra; Poerwanti, Ririn; Sihotang, Ellen Theresia
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 10 No. 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v10i1.1779

Abstract

This study examines the factors of conventional bank profitability during the COVID-19 outbreak in Indonesia, using data from 52 conventional banks from 2020 Q1 to 2021 Q4. Using a fixed-effects model, bank-specific and macroeconomic factors are examined. The findings show that liquidity and bank size have a beneficial impact on profitability, whereas efficiency has a considerable negative effect. Additionally, non-performing loans have a favorable link with profitability. Notably, macroeconomic indices such as interest rates have a substantial impact on bank profitability, while capital, exchange rates, inflation, and economic growth do not. The study emphasizes the necessity of improved liquidity management, efficient operations, and strategic interest rate management in maintaining bank profitability and resilience in the face of disruptive occurrences
PERAN BPR SYARIAH TERHADAP PERTUMBUHAN EKONOMI DAERAH MELALUI KETAHANAN PANGAN: DAMPAK MODERASI INFLASI PANGAN DI DAERAH ISTIMEWA YOGYAKARTA Sistiyarini , Evi; Poerwanti, Ririn; Kartika, Titis Puspitaningrum Dewi
Journal of Financial Economics & Investment Vol. 5 No. 3 (2025): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v5i3.42040

Abstract

This study examines the role of Islamic rural banks in promoting regional economic growth in the Special Region of Yogyakarta (DIY), with food inflation as a moderating variable. Using secondary data, a purposive sample of 10 Islamic Rural Banks (BPR Syariah) was analyzed. The variables include Financing to Deposit Ratio (FDR) (X1), Non-Performing Financing (NPF) (X2), bank size (X3), Farmers’ Terms of Trade (NTP) (X4), food inflation (Z), and economic growth measured by Gross Regional Domestic Product (GRDP) (Y). Moderated Regression Analysis (MRA) was employed. Before moderation, NTP (X4) had a significant positive effect on economic growth, while FDR (X1), NPF (X2), and bank size (X3) showed positive but insignificant effects. Food inflation had a positive but insignificant effect as a moderator. After moderation, FDR (X1) and bank size (X3) remained positive but insignificant, while NPF (X2), NTP (X4), and food inflation had significant positive effects on economic growth. Food inflation did not moderate the effect of FDR (X1) but significantly and negatively moderated the effect of NTP (X4) on economic growth. These findings highlight the nuanced role of Islamic rural banks and macroeconomic variables in regional economic development.
Co-Authors Khalifaturofi'ah, Sholikha Oktavi Sihotang, Ellen Theresia Sistiyarini , Evi Titis Puspitaningrum Dewi Kartika