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All Journal Jurnal Manajemen dan Bisnis Sriwijaya The International Journal of Accounting and Business Society EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis JPSriwijaya IJBE (Integrated Journal of Business and Economics) SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS AFRE Accounting Financial Review Bulletin of Social Studies and Community Development
Muizzuddin Muizzuddin
Fakultas Ekonomi Universitas Sriwijaya
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Neuroscience Public Health Social Sciences Other

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 1 
Financial Development and Economic Growth; Evidence from Asia-Pacific Countries Taufiq Marwa; Muizzuddin Muizzuddin; Imam Asngari
Integrated Journal of Business and Economics (IJBE) Vol 6, No 1 (2022): Integrated Journal of Business and Economics
Publisher : Fakultas Ekonomi, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.207 KB) | DOI: 10.33019/ijbe.v6i1.459

Abstract

This research examines the impact of financial development on economic growth. Using a sample of 152 observations from 13 countries in the Asia Pacific for the period 2004 and 2020, we find that financial development positively impacts economic growth, supporting the finance-growth hypothesis, especially in the development of the capital market sector. This research provides policy implications that positive relationship between financial development and growth suggests that policymakers should take the necessary moves towards the simultaneous development of both the banking sector and the stock market to stimulate growth.
KINERJA REKSA DANA SAHAM PASCA KRISIS SUBPRIME MORTGAGE Mohammad Adam; Isnurhadi .; Muizzuddin .; Luthfiyah .
JURNAL MANAJEMEN DAN BISNIS SRIWIJAYA Vol 14, No 1 (2016): Jurnal Manajemen dan Bisnis Sriwijaya
Publisher : Program Studi Magister Manajemen FE Unsri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (381.399 KB) | DOI: 10.29259/jmbs.v14i1.8849

Abstract

The purpose of this study is to analyze the performance of mutual funds shares after the subprime mortgage crisis. The population in this study are 55 mutual funds shares of 34 mutual funds investment managers who are issuing shares and mutual funds in the capital market. The sampling technique in this study uses a non-probability sampling which is a kind of purposive sampling based on certain criteria. Based on the criteria are obtained as many as 20 mutual funds. In addition, this study also uses quantitative analysis techniques, namely the analytical technique in the calculation of the performance of a portfolio of index mutual funds by Sharpe, Treynor and Jensen. The result shows that during the observation period, namely the post-crisis Subprime Mortgage, of 20 mutual funds are included in the study criteria, there are quite a lot of mutual fund shares are able to rebound and its performance are able to outperform the market as compared with mutual funds which are underperform.
PEMBIAYAAN USAHA TANPA RIBA BAGI USAHA KECIL DAN MENENGAH DI ILIR BARAT II PALEMBANG Yulia Hamdaini Putri; Ahmad Syathiri; Muhammad Farhan; Muizzuddin Muizzuddin; Ichsan Hamidi
Jurnal Pengabdian Sriwijaya Vol 9, No 2 (2021)
Publisher : Lembaga Pengabdian pada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37061/jps.v9i2.17607

Abstract

Tujuan dari pengabdian ini adalah untuk meningkatkan pemahaman bagi masyarakat kota Palembang, khususnya pelaku usaha mikro kecil dan menegah akan pentingnya peran lembaga keuangan mikro syariah dalam perekonomian rakyat serta menjadi salah satu alternatif pendanaan usaha. Manfaat pengabdian ini adalah membangun sinergi antara pelaku usaha dan lembaga keuangan mikro syariah. Bagi dosen dan mahasiswa, pengabdian ini meningkatkan wawasan tentang produk dan jasa lembaga keuangan mikro syariah dan perannya dalam pembangunan ekonomi rakyat. Hasil kegiatan ini peningkatan pemahaman tentang pentingnya pembiayaan tanpa riba
The Impact of Inflation on Bank Risk: A Study of Islamic Banks Isni Andriana; Anna Yulianita; Yos Karimudin; Kemas Muhammad Husni Thamrin; Muizzuddin Muizzuddin
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 7, No. 3, September 2023
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/sijdeb.v7i3.201-210

Abstract

Risk is the one thing that the financial system anticipates more than any other issue. In 2001, a failure in bank risk management occurred at Bank Imar in Turkey, which led to losses that reached around $7.2 billion due to shareholder corruption and coordinated criminality (Mukminin, 2018). The research objective is to investigate the extent to which inflation and business risk are related in Islamic banks operating in the 26 countries covered in the study. Based on the findings of this study, it can be concluded that the inflation proxy does not, in any meaningful sense, have a constructive effect on inflation. That is to say, the business risk in Islamic banks will not be affected in any way by any changes that take place in inflation, regardless of whether those changes result in a rise in value or a loss in value. The use of variable proxies will likely result in some limitations being imposed on this study, which will, in turn, have an effect on the conclusions of the research. In following research, macroeconomic indicators like gross domestic product (GDP) and exchange rates could potentially serve as test subjects for examination.
Impact Of Business Cycle And Revenue Diversification On Capital Buffer And Bank Risk: Empirical Studies From Asean Countries Muhammad Ridho Sahputra; Mohamad Adam; Muizzuddin Muizzuddin; Isnurhadi Isnurhadi
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.6020

Abstract

The purpose of this research is to examine how business cycle and income diversification affect on capital buffer and banking risk in ASEAN from 2020 to 2022. The samples used in this research were 93 banks taken using purposive sampling techniques in the Philippines, Indonesia, Malaysia, Singapore, Thailand, and Vietnam. By using 2-SLS on panel data to analyze the data in the model being built. This research found that when the economy is in a contraction phase, banks will increase capital buffers. Then, if the bank’s revenue streams become more diversified, this could potentially weaken its capital buffer reserves and decrease risk levels in the banking sector. Meanwhile, expansionary business cycles and revenue diversification provide in reducing bank risk to encourage economic growth. In addition, the correlation between the level adjustment of capital buffer and bank risk confirms a positive impact.
Financial Literacy and House Hold Portofolio Diversification: The Moderation Role of Risk Preferences Shelfi Malinda; Mu'izzuddin Mu'izzuddin; Febri Marani Malinda; Kharisya Ayu Effendi
AFRE (Accounting and Financial Review) Vol. 7 No. 2 (2024): July 2024
Publisher : Postgraduate Program Merdeka University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/afr.v7i2.12437

Abstract

The study examines the relationship between financial literacy and household portfolio diversification in Palembang, Indonesia. The sample was proportio-nally surveyed using proportional random sampling, so 405 households in Palembang, Indonesia divided into 18 districts. Inferential testing uses Struc-tural Equation Modeling (SEM) based on variants, namely Partial Least Squ-are (SEM-PLS). Results show that financial literacy positively influences port-folio diversification, while risk preference moderates this effect. The interaction between financial literacy and risk preference has a smaller effect size. The stu-dy contributes to the concept of optimal portfolios in Modern Portfolio Theory, as financial literacy encourages logical decisions and risk preferences optimize diversification decisions. The study also found that risk preference reduces the effect of financial literacy on portfolio diversification, as households understand that additional asset distribution may increase costs and reduce returns. Re-search suggests incorporating risk preference as a predictor and mediator to better understand the impact of financial literacy on portfolio diversification.DOI: https://doi.org/10.26905/afr.v7i2.12437
GREEN BONDS ISSUANCE AND BANK STABILITY: SAFE HAVEN OR RISK UNDER CENTRAL BANK POLICY RATES? Muizzuddin Muizzuddin; Erfan Rachmadi; Muhammad Irsyad; Cean Maria Bella
Integrated Journal of Business and Economics (IJBE) Vol 10, No 2 (2026): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v10i2.1597

Abstract

This study examines the effect of green bond issuance on bank stability and the moderating role of central bank policy rates. Using panel data of 1,462 banks from 29 countries during 2010-2024, the analysis applies fixed effects and dynamic System GMM to address potential endogeneity. Bank stability is measured using alternative Z-score specifications and non-performing loans. The results show that green bond issuance reduces bank stability, suggesting that the expansion of green finance may introduce short-term risks to banks. However, central bank policy rates moderate this relationship, where higher rates mitigate the adverse impact. Further analysis indicates that the negative effect is stronger during monetary tightening periods, while a U-shaped relationship suggests that more developed green bond markets may eventually support stability. These findings highlight the importance of monetary policy conditions in evaluating the financial stability implications of sustainable finance.
The Green Paradox of Corporate Lending Risk in ASEAN-5 Banks Muizzuddin; Rachmadi, Erfan; Putri, Nyayu Khalilah; Febrianti, Devi
The International Journal of Accounting and Business Society Vol. 34 No. 1 (2026): IJABS
Publisher : Accounting Department,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ijabs.2026.34.1.967

Abstract

Purpose - This paper examines whether ESG engagement affects corporate lending risk in ASEAN-5 banks and whether state ownership and bank capital levels moderate this relationship. Design/methodology/approach - Using an unbalanced panel of 34 banks in ASEAN-5 from 2014 to 2023, this study applies random effects regression, interaction models, capital-based heterogeneity analysis, and two-step System GMM. Findings - The findings reveal a selective role of state ownership. While ESG engagement increases corporate lending risk, particularly through the Environmental and Governance pillars, SOE banks reduce the risk effect of Governance-related ESG engagement. This indicates that state control can act as a governance-based stabilizing mechanism, especially when banks face capital constraints. Practical implications - ESG implementation should be integrated into credit risk assessment and prudential supervision, especially for low-capital banks exposed to transition risks. Originality/value - This study departs from the view that ESG engagement and state ownership necessarily reinforce one another. Instead, it shows that the relationship between the two is conditional. State control appears to reduce credit risk only through the Governance pillar, particularly when banks face limited capital. In the ASEAN-5 context, where state ownership continues to hold considerable institutional influence, this pillar-level analysis offers a more nuanced understanding of when state ownership can act as a safeguard for good governance, rather than assuming that such a role is always present. Paper type - Research paper
Banking Performance under the Lens of Earnings Management: A Theoretical and Bibliometric Systematic Review Nyayu Khalilah Putri; Mohamad Adam; Isnurhadi Isnurhadi; Muizzuddin Muizzuddin
Bulletin of Social Studies and Community Development Vol 5, No 3 (2026): Bulletin of Social Studies and Community Development
Publisher : Institute of Multidisciplinary Research and Community Service

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61436/bsscd/v5i3.pp253-267

Abstract

This study conducts a systematic literature review (SLR) combined with bibliometric analysis to examine earnings management (EM) practices in the banking sector and their implications for financial performance. Following the PRISMA guidelines, the methodology employed a rigorous search strategy using specific keyword combinations, including "earnings management" and "bank", across the ScienceDirect and Scopus databases to capture relevant literature published between 2011 and 2024. Strict inclusion criteria were applied, restricting the final sample to peer-reviewed academic journal articles written in English that explicitly focused on commercial banking institutions, thereby excluding conference proceedings, book chapters, and studies on non-financial firms. This selection process yielded a final core sample of 520 articles for bibliometric mapping. The synthesis identifies key themes, including the influence of governance mechanisms, macroprudential frameworks, discretionary loan loss provisioning, and emerging issues such as digital transformation and Environmental, Social, and Governance (ESG) integration. Findings reveal that bank EM serves as both a strategic response to regulatory and market pressures and a signaling tool to maintain investor confidence. However, it often undermines transparency in reporting. Theoretically, this review extends Positive Accounting Theory by incorporating sustainability considerations and refines Signaling Theory by highlighting potential distortions in information asymmetry when disclosure quality is weak. Crucially, the conclusions offer vital policy implications for regulatory bodies. Policymakers must mandate standardized ESG-based reporting frameworks and enforce stricter oversight on discretionary loan loss provisions to curtail opportunistic accounting behavior. Additionally, macroprudential authorities should synchronize banking governance reforms with international transparency standards to insulate global financial markets from systemic risks, thereby ensuring long-term bank stability and protecting stakeholder trust in highly volatile economic environments. Keywords:  Systematic literature review, Earnings management, Bank performance.
Co-Authors Ahmad Syathiri Andriana, Isni Anna Yulianita Cean Maria Bella Effendi, Kharisya Ayu Erfan Rachmadi Febri Marani Malinda Febrianti, Devi Ichsan Hamidi Imam Asngari Isnurhadi . Isnurhadi Isnurhadi Kemas Muhammad Husni Thamrin Luthfiyah . Marwa, Taufiq Mohamad Adam Mohammad Adam Muhammad Farhan Muhammad Irsyad Muhammad Ridho Sahputra Nyayu Khalilah Putri Putri, Nyayu Khalilah Rachmadi, Erfan Shelfi Malinda Yos Karimudin Yulia Hamdaini Putri