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All Journal Jurnal Ekonomi Jurnal Ilmiah Manajemen Kesatuan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ekonomi Trisakti Jurnal Pengabdian Mandiri Journal of Social And Economics Research JUARA: JURNAL WAHANA ABDIMAS SEJAHTERA Jurnal Manajemen dan Pemasaran Jasa RESLAJ: Religion Education Social Laa Roiba Journal journal of social and economic research
Susy Muchtar
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Jurnal Ilmiah Manajemen Kesatuan

 1 
The Influence of Non-Interest Income on the Profitability of Conventional Banks Listed on the Indonesia Stock Exchange Alam Pratama, Renaldy; Alifia Nova Azzahra; Susy Muchtar
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 1 (2025): JIMKES Edisi Januari 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i1.3055

Abstract

This study analyzes the factors that influence the profitability of conventional banks in Indonesia with Return on Assets (ROA) as the main measure. This study uses a quantitative method with panel data regression to examine the effect of Non-Interest Income (NII), bank size, Loan Loss Provision (LLP), Capital Adequacy Ratio (CAR), and overhead costs on the profitability of conventional banks listed on the Indonesia Stock Exchange (IDX) in the period 2019–2024. Data were obtained from annual financial reports and other secondary sources such as IDX, Bank Indonesia, and the World Bank. The results showed that NII did not have a significant effect on profitability, indicating that conventional banks still rely on interest income as the main source of profit. Bank size has a positive effect on ROA, with larger banks benefiting from economies of scale and operational efficiency. LLP has a negative effect on profitability, indicating that increasing loan loss provisions reduce bank profits. CAR has a positive effect, indicating that strong capitalization increases investor confidence and financial stability. Meanwhile, overhead costs have a negative effect on ROA, emphasizing the importance of operational efficiency in increasing profitability. This study recommends further research considering Islamic banks and macroeconomic factors for a more comprehensive understanding of banking profitability in Indonesia.
Risk Management as a Mediating Variable in the Influence of the Board of Directors on Financial Performance Suherwan, Natalia Safitri; Rasyad Ariiq Utama; Susy Muchtar
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 1 (2025): JIMKES Edisi Januari 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i1.3060

Abstract

Companies often use loans or bonds to finance their operations, so effective debt management is important to maintain financial stability and prevent adverse impacts such as asset inclusion. The purpose of this study is to analyze the effect of board direction on financial performance with risk management as a mediating variable in the food and beverage subsector on the Indonesia Stock Exchange (IDX). This study reveals the role of board directors in improving financial performance in the Indonesian food and beverage (F&B) manufacturing sector, with risk management as a mediating variable. Using a quantitative research approach, data were collected from F&B companies listed on the Indonesia Stock Exchange from 2019 to 2023 using purposive sampling. Panel data regression analysis was conducted using EViews 9 software to examine the relationship between board characteristics, management risk, and financial performance, as measured by Return on Assets (ROA). The results showed that board size, board ownership, CEO tenure, CEO duality, and board independence showed weak or insignificant correlations with financial performance. Furthermore, risk management does not significantly mediate this relationship, suggesting that other corporate governance factors and management strategies may play a more dominant role in shaping financial outcomes.
Co-Authors AA. Hubur Alam Pratama, Renaldy Alifia Nova Azzahra Arifan Budianto Prabowo Arya Abyantara Astrid Dila Aurelia B. Medina Nilasari, B. Medina Bimo Aryo Nugroho Elsa Darari Febiola Puspita, Grace Hermanto Yaputra Karima Rahmania Nugraha, Dias Adri Nuraini Chaniago Okky Fahrizal Achmad Rasyad Ariiq Utama Rezki Setya Widhi Rizka Aji Gagas Gumilar Sasmito Walaa Rico Prakoso Soeharjoto, Soeharjoto Suherwan, Natalia Safitri Ulfi Naria Rahmawati