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The Influence Of Ceo Characterıstıcs, Rısk Management, Fınancıal Dıgıtalızatıon And Exchange Rate On Bank Performance Moderated By Interest Rate In Indonesia Bambang Susilo; Bahtiar Usman; Henny Setyo Lestari
Asian Journal of Management, Entrepreneurship and Social Science Vol. 5 No. 01 (2025): Upcoming issues, Asian Journal of Management Entrepreneurship and Social Scien
Publisher : Cita Konsultindo Research Center

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Abstract

This research aims to analyze the influence of CEO characteristics (Nationality and Education), risk management (Value at Risk), Financial Digitalization, and Exchange Rate on bank performance measured by Return on Risk-Adjusted Capital (RORAC), as well as to examine the moderating effect of Interest Rate on the relationship between these variables and bank performance. This research employs a quantitative approach using panel data regression analysis with Moderated Regression Analysis (MRA). Data was collected from financial reports of conventional banks listed on the Indonesia Stock Exchange during the 2019-2023 period. The results show that CEO Nationality has a significant negative effect on bank performance, CEO Education has a significant negative effect on bank performance, Value at Risk has no significant effect on bank performance, Financial Digitalization has a significant negative effect on bank performance, Exchange Rate has a significant positive effect on bank performance, and Interest Rate has a significant positive effect on bank performance. Regarding moderating effects, Interest Rate strengthens the influence of CEO Nationality on bank performance, strengthens the influence of CEO Education on bank performance, does not moderate the influence of Value at Risk on bank performance, strengthens the influence of Financial Digitalization on bank performance, and weakens the influence of Exchange Rate on bank performance. This research provides theoretical implications, demonstrating the complexity of relationships between CEO characteristics, risk management, and digital transformation in the Indonesian banking context. For practitioners, these findings emphasize the importance of balancing formal education and practical experience in bank leadership, as well as the need for a strategic approach to digital technology implementation. For regulators, these findings encourage the development of regulatory frameworks that consider the dynamics of bank leadership and digital transformation. Practically, banks need to develop comprehensive strategies in managing leadership transitions and digital transformation while considering macroeconomic conditions
Pengaruh Diversifikasi Pendapatan, Firm Specific, dan Makroekonomi terhadap Kinerja Perbankan di BEI Maharestu, Aruna Ardya; Jannatul Mawah, Nana; Nurhaliza, Riqqah; Lestari, Henny Setyo
Economic Reviews Journal Vol. 4 No. 1 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i1.636

Abstract

This study aims to analyze the impact of income diversification, firm-specific factors, and macroeconomic factors on the performance of banks listed on the Indonesia Stock Exchange. The firm-specific factors examined include bank size, capital structure, asset growth rate, loan loss provisions, and management efficiency, while the macroeconomic factors include economic growth rate and inflation. The increasingly competitive banking industry encourages banks to shift their orientation from labor-based business to knowledge-based business, necessitating a comprehensive performance evaluation. Return on Assets (ROA) is used as an indicator to measure bank performance. This study uses a quantitative approach with data from banks listed on the Indonesia Stock Exchange. The results of the study indicate that income diversification, bank size, capital structure, asset growth rate, loan loss provisions, management efficiency, economic growth rate, and inflation rate do affect company performance, and capital structure have an effect on company performance.
Financial Ratios Governance and Business Risk as Determinants of Corporate Efficiency in Emerging Markets Lestari, Henny Setyo; Widiastuti, Maria Carmelia; Ardelia, Rahmadina; Abdullah, M. Hussin
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.v13i1.3081

Abstract

Efficiency is a critical indicator of a company's performance, reflecting its ability to utilize resources effectively. Previous studies on efficiency have often presented inconsistent findings regarding the influence of financial ratios, corporate governance, and business risk. This study aims to analyze the effect of financial ratios (leverage, liquidity, profitability), good corporate governance, and business risk on the efficiency of manufacturing companies in Indonesia listed on the Indonesia Stock Exchange from 2017 to 2023. The study uses a sample of 67 manufacturing companies selected through purposive sampling, yielding 469 observations over seven years. Panel data regression analysis was employed using EViews 9 software to test the hypotheses. The results indicate that leverage and business risk positively influence company efficiency, while liquidity, profitability, and governance do not show a significant effect. These findings suggest that financial decision-making and risk management play a pivotal role in enhancing efficiency.  The study highlights the importance of managing leverage and mitigating business risks to optimize efficiency. Investors should consider these factors when evaluating potential investments. Future research should incorporate additional variables to provide a more comprehensive understanding of efficiency determinants.
The Effect Of Operational Efficiency On The Financial Performance Of Banks In Indonesia Ivan Wiryawan; Seno Banyu Aji Yudha Pratama; Henny Setyo Lestari; Farah Margaretha
Jurnal Ekonomi Vol. 13 No. 03 (2024): Jurnal Ekonomi, Edition July -September 2024
Publisher : SEAN Institute

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Abstract

This study aims to provide insight into asset utilization, company size, and loan quality significantly affecting the financial performance of banking companies listed on the Indonesia Stock Exchange (IDX). In addition, it can show factors that can strengthen the stability and efficiency of banks which ultimately have an impact on the economy as a whole, especially the community massively. The novelty of this study is the addition of asset utilization variables that are included in the independent variables. The background of this research is driven by the increasing complexity of the banking sector, particularly in Indonesia, where the efficiency and stability of banks play a crucial role in overall economic health. With the rapid growth of the financial sector, especially in the context of banking, it becomes essential to evaluate how effectively these institutions utilize their assets and maintain loan quality in order to optimize financial performance. The research method used by the researcher was quantitative with secondary data sources obtained from 42 banking companies for a 5-year period (2020 - 2023). The data analysis technique used is panel data regression analysis. The results showed that NIITA, NICTA, OEOI, SIZE, and LOAN had a significant impact on financial performance (NIM), and only the CAP variable did not have a significant historical effect. The implications in the research are devoted to financial managers to determine the proper management of assets so that business goals can be obtained, especially in improving investor welfare. The focus of this research is to strengthen the cruciality of ownership structure and liquidity for investors in choosing the right investment opportunities in a banking company.
Banking Health Indicators and Their Impact on Credit Risk in the Indonesian Banking Sector Pratama, Kelvin; Sulistomo, Akmal; Lestari, Henny Setyo; Margaretha, Farah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.6316

Abstract

Credit risk is inherent in the banking sector, as banks extend credit to the public as a primary source of income. Banks supervised by the Financial Services Authority (Otoritas Jasa Keuangan, OJK) are required to prioritize prudential principles, leading the OJK to monitor risk management in banking through the Non-Performing Loan (NPL) ratio. Various factors can contribute to an increase in credit risk for banks. This study aims to analyze banking-related factors and macroeconomic factors that may influence credit risk. The independent variables related to banking include SIZE, ROA, liquidity, bank capital, and asset quality, while the macroeconomic variables include GDP growth, inflation rate, and unemployment rate. The study employs a panel data regression method with a sample of 42 conventional banks listed on the Indonesia Stock Exchange from 2019 to 2023. The results reveal that liquidity and asset quality have a significant positive impact on credit risk, whereas bank capital, GDP growth, inflation rate, and unemployment rate have a significant negative impact on credit risk. Meanwhile, firm size, profitability, and the OEI ratio do not significantly influence credit risk. This research provides insights for financial managers in managing credit risk while considering macroeconomic conditions when making decisions. Additionally, for investors, the findings offer valuable perspectives on the factors to consider when evaluating banking institutions for investment purposes.
The Influence of Macroeconomic Indicators and Bank Internal Factors on Credit Risk in Developing Countries Lestari, Henny Setyo; Usman, Bahtiar; Laksono, Wafi Suryo; Abdullah, M. Hussin
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 3 (2025): JIMKES Edisi Mei 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i3.3178

Abstract

This study aims to analyze the determinants of credit risk in commercial banks in Indonesia as measured by Non-Performing Loans (NPL), as the main indicator of banking system stability. This study uses a quantitative method with a panel data regression approach to evaluate the influence of various factors on credit risk. Data were obtained from financial statements and annual reports of banks listed on the Indonesia Stock Exchange. The sample consisted of 36 banks during the period 2019–2023, resulting in 180 observations. The analysis was conducted using multiple linear regression with fixed and random effect models through EViews software. The results of the analysis show that variables such as interest rates, bank size, return on assets (ROA), loan loss provisions (LLP), capital adequacy ratio (CAR), and asset quality have a significant effect on NPL. In contrast, gross domestic product (GDP) and inflation do not show a significant effect. These findings indicate that interest rates and ROA are significant new contributors to NPL fluctuations in the Indonesian banking sector during the study period.
Pentingnya Literasi Keuangan Bagi UMKM Rufata Lestari, Henny Setyo; Reniati Karnasi; Tiarapuspa; Alfad Alfarizki
Dirkantara Indonesia Vol. 3 No. 2 (2025): September-Februari
Publisher : PT. Cendekia Sapta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55837/di.v3i2.120

Abstract

Literasi keuangan merupakan tingkat pengetahuan dan kemampuan untuk mengelola keuangan. Beberapa studi terdahulu mengemukakan bahwa literasi keuangan berperan penting bagi business sustainability. Tingkat pengetahuan dan kemampuan pengelolaan keuangan yang dimiliki pelaku usaha menjadi salah satu kunci sukses bagi keberlangsungan usahanya. Bagaimana manfaat literasi keuangan bagi business sustainability? Uraian tentang manfaat literasi keuangan bagi business sustainability menjadi tujuan dari studi ini. Analisis dilakukan dengan metode deskriptif kualitatif, yaitu mendasarkan pada hasil kuesioner. UMKM Rufata yang menjadi mitra dalam PkM ini. Hasil analisis menyimpulkan bahwa dengan memiliki literasi keuangan yang baik maka pelaku usaha akan cenderung mampu membuat keputusan bisnis yang berorientasi jangka panjang. Selain itu, pelaku usaha akan cenderung mampu membuat konsep aktivitas bisnis yang berkelanjutan sehingga business sustainability-nya tetap dapat dipertahankan. Berdasarkan hasil ini diharapkan dapat tersusun konsep yang berkaitan dengan manfaat literasi keuangan bagi pelaku usaha, khususnya pelaku UMKM Rufata.
ANALISIS PENGARUH DANA MURAH, BANK SIZE, CAPITAL DAN KEBIJAKAN MONETER SYARIAH TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA Lestari, Henny Setyo; Esya, Lavlimatria; Subri, Ahadi
Media Riset Bisnis & Manajemen Vol. 24 No. 1 (2024): April
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v24i1.17564

Abstract

Tujuan – Penelitian ini bertujuan untuk mengetahui pengaruh dana murah, bank size, capital, dan kebijakan moneter syariah terhadap profitabilitas perbankan syariah di Indonesia. Desain/methodology/approach – Penelitian ini menggunakan variabel independen dana murah (Casa), bank size, capital dan kebijakan moneter syariah dan variabel dependen profitabilitas yang diukur dengan return on assets. Penelitian ini menggunakan data panel yaitu data bank PT. Bank Syariah Indonesia, Tbk dan PT. Bank Panin Dubai Syariah, Tbk selama periode tahun 2017-2021, yang diperoleh dari Biro Pusat Statistik (BPS), Bank Indonesi,a dan BEI. Data diolah menggunakan Eviews sebagai cara pengujian data stasioner dan kemudian pengujian hipotesis menggunakan Ordinary Lease Square (OLS). Temuan – Studi ini menemukan bahwa pada PT. Bank Syariah Indonesia, Tbk  bank size berpengaruh positif dan kebijakan moneter syariah berpengaruh negatif terhadap profitabilitas, sedangkan dana murah dan capital tidak berpengaruh terhadap profitabilitas. Pada PT. Bank Panin Dubai Syariah, Tbk  ditemukan bahwa capital berpengaruh positif terhadap profitabilitas. Casa, bank size dan kebijakan moneter syariah tidak berpengaruh terhadap profitabilitas Original/Nilai -  Temuan studi ini mengungkapkan bahwa terdapat variabel independen yang berkontribusi pada variabel dependen. Studi ini berkontribusi pada pengetahuan dalam berinvestasi baik jangka pendek maupun jangka panjang
Pengaruh Manajemen Likuiditas terhadap Kinerja Keuangan Perusahaan pada Perusahaan Manufaktur Barang Indonesia Sihite, Sola Grace Lasmaria; Syarlla Martiza Eka Putri; Nabilah Salma Hersyandana; Henny Setyo Lestari
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1386

Abstract

This study aims to analyze the relationship between liquidity management and financial performance. Companies often face challenges in balancing optimal performance with good liquidity management. With this study, it is expected to provide a clearer picture of how much influence liquidity management has on financial performance in the manufacturing sector, as well as provide recommendations that companies can use to improve the efficiency of liquidity management in order to achieve better financial performance. The type of data used is quantitative data and secondary data sources. The sample collection method is purposive sampling. The data testing method is panel data regression analysis. The results show that the current ratio, quick ratio and cash ratio have no effect on financial performance. While the net working capital ratio has an effect on financial performance.
Faktor Penentu Harga Saham Perusahaan Barang Komsumsi Yang Terdaftar di Bursa Efek Indonesia Muhamad Albarr Khairan; Rizky Ramzi Rahmawan; Alfadhilo Rolandnic Korgiza; Lestari, Henny Setyo
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1431

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh enam rasio keuangan, yaitu Current Ratio (CR), Debt to Equity Ratio (DER), Return on Equity (ROE), Earnings per Share (EPS), Price to Earnings Ratio (PER), dan Total Asset Turnover (ATR) terhadap harga saham perusahaan sektor barang konsumsi yang terdaftar di Bursa Efek Indonesia (BEI) periode 2019–2023. Menggunakan pendekatan kuantitatif dengan metode regresi data panel pada 37 perusahaan (185 observasi), data dikumpulkan melalui laporan keuangan dari situs resmi BEI dan perusahaan terkait. Hasil analisis menggunakan Fixed Effects Model menunjukkan bahwa CR dan EPS berpengaruh positif signifikan terhadap harga saham, sementara DER, ROE, PER, dan ATR tidak signifikan. Model penelitian memiliki adjusted R² sebesar 0,8673, menandakan kemampuan prediksi yang tinggi. Temuan ini menunjukkan bahwa investor lebih mempertimbangkan indikator likuiditas dan profitabilitas langsung dibandingkan efisiensi atau struktur pendanaan, dengan implikasi penting bagi strategi investasi dan manajemen keuangan perusahaan di sektor defensif ini.
Co-Authors Abdul Rahman, Johan Nazwar Abdullah, M. Hussin Adawiyah, Wiwik Robiatul Adli Saputra Aekram Faisal Afrizal Elgi Agus Budi Hartono Agustine, Elsa Aisyah Putri Nabila Akbar, Ilham Cahyo AKBAR, MAULANA Alfad Alfarizki Alfadhilo Rolandnic Korgiza Alfian Zata Thirafi Alif Satria Ichsan Alifyyah Putri Ajar Setiadi Alya Nisrina Hafsyah Amanda Jonatan Puteri Amirah, Nishrina Nurul Annisa Yasmine Adeputri Badan Anton Anugrah, Fatimah Ladiza Nuradhelia Aprilriani, Giya Aprilriani, Giya Ardana, I Dewa Ayu Nadya Dhanari Kirana Ardelia, Rahmadina Asep Hermawan Attatur, M Kemal Ayu Purbaningrum Ayu Wulandari Azura, Amelinda Fairuz Bahtiar Usman Bahtiar Usman Bahtiar Usman Bahtiar Usman, Bahtiar BAMBANG SUSILO Bangun, Bastanna Erlayas Bayu Malindo Putra Berliana, Amalia Mega Budiman, Thomas Chintia, Helda Christianto, Yeriko Bagas Christy Yanwar Yosapat Dabo, Mia El Darmawan, Andik Rusdi Deany Putri Aprilia Deci Novesa Carani Dewi ANGGRAENI Dewi, Pramesti Baskoro Dewi, Rosiana Dhetoriana Permatasari Dita Ayu Nurani Djaja, Kerstan Nathanael Dwi Safitri, Maharani Dheva Edwiga, Taqwa Ananda Eki Veronika Erny Tajib Eston, Maria Albertina Dewanti Fadilla, Akhmal Aries Fahar, Intan Nibras Fajar Rahmana Fanu, Ridhan Azka Hani Farah Margaretha FARAH MARGARETHA Farah Margaretha Leon FARDINI RAHMA DEWI Fariz Alfiknacio Abdat Ferina Ainul Latiefa Fibby Luthfia Georgina Maria Tinungki Gymyastiar, Ahmad Hadyan, Kamal Hartini Hartini Haura Raihana Tsani Effendi Hendro Prasetio Herman Situmorang Ida Susanti Ignatius, Bayiuaji Indra Maulana Indra Saputra Indri Safitri Indriyantini, Dhiya Faza Ivan Wiryawan Jamaludin . Jannatul Mawah, Nana Jatmiko, Putut Jerry Ananta Ginting Joseph Hendryawan Krisantanu Splendid JR. Dwi Mas Sukma Agung Karnasi, Reniati Kemal Reza Kholis, Muhammad Shofy Muhaiminu Kloko, Dita Evelyn Elintra Kurnia Yuniarti Kusumo, Prasetiyo Hadi Laksono, Wafi Suryo Latifah Herman Leon, Farah Margaretha Mafaza, Jihan Maharani Dheva Dwi Safitri Maharestu, Aruna Ardya Mahsa Hisanah Dalilah Marji Uliansyah Mega Mersela Mela Aryasari Mendieta, Ariska Carollina Milah Fadhilah Kusuma Fasihu Muhamad Albarr Khairan Muhammad Akmal Alauddin Muhammad Evirel Frasya Muhammad fauzan Muhammad Rizki Zhafran Muhammad Rizky Muhimah, Khoirul Mutyarawati, Herlita Nabilah Salma Hersyandana Nadia Trisanti Nailil Muna, Navyanti Nida Abdilla Ritonga nirdukita ratnawati, nirdukita Noviana Dwi Mas'ula Nugroho, Adhi Nurhaliza, Riqqah Nurul Inayah Nuury Nurmelia Oscar, Yosia Palguna, Arya Irawan Putra Panjaitan, Zulkarnain Pertiwi, Silva Nurbaiti Perwitasari, Indah Pitoyo, Mikha Merianti Pitriana, Ida Pitutur, Fajar Jati Powell Gian Hartono Pradana, Firmansyah Adhitya Pratama, Bayu Aji Pratama, Kelvin Purwidyasari, Scholastica Meillia Puspita, Grace Febiola Putra, Daffa Ikhsan Putri, Fara Ghassani Putri, Rizky Anugrah Raas, Asdi Aprilian Husnadarari Rafi Altaf Tjaputra Rahadiansyah, Reska Budi Rahmadina Ardelia Rahmawati Rahmawati Ramadhanti, Mutiara Reniati Karnasi Renny Risqiani Reskika, Nadira Rezalia, Vinny Rian Rizki Hidayat Riantino Septian Ricardo, Wilson Richy Wijaya Rika Maryani Rina Hartanti Ringke Dirdia Rizki Amelia Rizky Ramzi Rahmawan Rosidah Panjaitan Safitri, Dilla Ulfiani Sajida, Yusrina Almas Sarah Ayu Larasati Sastraprawira, Mohamad Zahran Danes Seno Banyu Aji Yudha Pratama Serly Permatasari Sihite, Sola Grace Lasmaria Simamora, Asnita Simanjorang, Grecia Alvionita Srie Wijihastuti Subri, Ahadi Suhardono, Adhyatma Ndaru Sulistomo, Akmal Syahid, Aliah Muthiah Syahpria, M Fadly Syarlla Martiza Eka Putri Syofriza Syofyan Tambunan, Alexandria Leonard Tenika, Eiyagina Tiara Puspa Tiarapuspa Trisnawati Trisnawati Veren Velicia Natalie Veronika Mutianingsih Villia Nikmatul Khasanah, Villia Nikmatul Wardana, Nofrizal Bagas Wicaksono, Ignatius Henry Widiastuti, Maria Carmelia Wiguna, Utomo Adi Wijaya, Dewi Deliana Wina Winarto, Reza Muhamad Wiwi Handayani Wulansari Dewi Y. Agus Bagus Budi N Yasminawati, Anjani Yuannitha, Indri Ilma Yudha Pratama Hendrawan Yunita Kusumaningrum Yunita Kusumaningrum Yusfania, Bilkis Yusia Bela Zulfa Sukainah