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Wildan Syafitri
Department Of Economics, Faculty Of Economics And Business, University Of Brawijaya, Malang
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Credit Sensitivity and Banks Profitability Hardianto, Ari Nanda; Syafitri, Wildan
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Credit sensitivity and profitability linkage among Indonesia Himpunan Bank Milik Negara (Himbara), consisting of Bank Mandiri, Bank Rakyat Indonesia (BRI), and Bank Negara Indonesia (BNI), is examined following the government’s IDR 200 trillion liquidity injection policy during the 2015–2024 period. This study uses panel data regression with 160 quarterly observations. The Common Effect Model is applied to Return on Assets (ROA), while the Fixed Effect Model with Least Square Dummy Variable and robust standard errors is used for Return on Equity (ROE) and Net Interest Margin (NIM). The results show that microcredit expansion positively affects ROA and ROE but reduces NIM. In addition, increases in the Micro Base Lending Rate consistently improve all profitability indicators. Non-Performing Loans (NPLs) are found to have the strongest negative effect on ROA and ROE, indicating that asset quality remains an important factor in banking profitability. The findings also suggest that liquidity stimulus alone is not sufficient to improve bank performance without effective credit risk management and operational efficiency. Excess liquidity may become counterproductive if it is not supported by stronger risk governance and selective lending practices.
ANALISIS DAMPAK ALOKASI ANGGARAN DESA DAN INFRASTRUKTUR DESA PADA TINGKAT KEMISKINAN DI KABUPATEN SEMARANG Nugraheni, Rahayu Sapta; Ananda, Candra Fajri; Syafitri, Wildan
Jurnal Ilmu Ekonomi dan Pembangunan Vol 18, No 2 (2018): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jiep.v18i2.20668

Abstract

Although the level of poverty in Indonesia, especially in Semarang Regency has decreased significantly, there are two tendencies to be a concern. Since 2014 village budgets have been granted to villages with significant increases to finance rural development. However, it has not shown any real results. This study aims to analyze the aspects that affect the level of village poverty in Semarang Regency. The aspect is basic infrastructure consisting of market access, health access and educational access, population, village original revenue, transfer revenue (village fund, village fund allocation and tax revenue and local retribution share) and allocation of village expenditure consisting of village development expenditure, community development expenditure and community empowerment expenditure. The result of the study shows that the aspects researched are significantly influence the level of village poverty in Semarang Regency. Aspects that affect the level of poverty indicated by the Wald test results are health access, population, Village Original Revenue, allocation of development expenditure, allocation of community empowerment expenditure. Quadrant analysis result shows the comparison between Poverty Percentage to the amount of transfer revenue. The results are fairly even in the four quadrants. In Quadrant II there are 58 villages, with poverty percentage > 40 percent and low transfer income. In Quadrant III which means that the poverty level is low then the value of transfer income is also low with the number of villages is 57. The number of villages in quadrant I is 20 villages with high poverty and low transfer income. The villages in quadrant IV are 17 villages. The villages in quadrant IV are villages with high transfer revenue and also high poverty rates. The conclusion of this research is poverty indicator is no longer focused on economy but also concerning structural, institutional, health and government policy aspects. Development planning needs to be done better so that the village budget can be used as much as possible for the welfare and independence of the community. It is important to the villages to allocate more funds to the populist economic development sector.Keywords: Population, Infrastructure, Expenditure, Revenue, PovertyJEL Classification:H72, I38
Co-Authors Afala, La Ode Machdani Affandi, Hafis Demas Afid Nurdian Syah Agus Suman Agus Susilo AKP, Rhamadhany Amalia, Adzania Putri Amran Rasli, Amran Ananta, Hadyan Arya Anwar Ardiansyah, Fariz Nur Athoillah, Moh. Awinda, Siti Nur Arliya Axellina Muara Setyanti Axellina Muara Setyanti, Axellina Muara Bahtiar Fitanto Bahtiar Fitanto Bintoro, Nugroho Suryo Bramantyo, Dio Bagus Cahyani Novianti, Ardiah Salsabila Cahyono, Erwin Candra Aji Kusuma Candra Asih, Putri Galuh Candra Fajri Ananda Catur Wulandhari Oktavina Choirul Okviyanto Christiayu Natalia Citra Rahayu Indraswari, Citra Rahayu Clarissa Adventri Clarissa Sekar Anindya Devanto Pratomo Devanto Shasta Pratomo Dhani, Haris Rama Dio Bagus Bramantyo Eddy Suprapto Elia Nurul Mahmudah Erdiansyah ' Erdianto ' Erni Ambarwati Evie Dian Pratiwi Fariz Nur Ardiansyah Fatmawati, Inma Fauji, Zihan Fawwaz, Muhammad Ferry Sutiono Fika Sumule Finuliyah, Firdaus Firdaus Finuliyah Hafis Demas Affandi Hardianto, Ari Nanda Imamia, Tsumma Lazuardini Inma Fatmawati Irfan Raharjo Jatmiko, Irawan Agus Katili, Annisa Pratiwi Khoiruddin, Muhammad Afif Khusnul Ashar Khusnul Ashar Komang, Indora Yusakobus Krisnando, Anselmus Marsvento Satrya Kusuma, Candra Aji Lukman Hakim Lumbanraja, Tricia M. Fauzan Elva Said M. Pudjihardjo Marlina Ekawati Maryunani Maryunani Masulliya, Fadilla Mawarni, Sherina Indah Mhd. Daffa Alzahri Miftahul Surur Multifiah . Munawar Ismail Musdar Muhammd mustajaabah, risq Nabilah, Naurah Nik Atul Latipah Norasida, Azira Nugraheni, Rahayu Sapta Nugroho Suryo Bintoro Nugroho Suryo Bintoro Nurissalsabila, Ningrum Nurul Izza Rachmad Kresna Sakti Radeetha Radeetha Ramadhina, Siti Rara Firstia Putri Utomo Refa Dita Praskagitalokananta Reika Happy Sugiastuti Rhamadhany AKP Rizaldi, Muhammad Sari, Mega Mustika Sari, Mega Mustika Setyanti, Axellina M Shierly Sephiani Silvi Asna Prestianawati Silvia Luthfiyah Ghinastri Sukatin, Sukatin Sulistyo, Tito Suseno, Vimbyarno Purbo Tamin, Alysha Kadeezah Akmal Tamin, Annaurah Kireina Akmal Tasmilah Tasmilah Tasmilah Tasmilah, Tasmilah Tri Andias Wijaksono, Rana Adhiella Yahya, Carissa Marisa Zhahirah, Nasywa Zihla Hasnatul Layli