Article Per Year (5 Year)
p-Index From 2021 - 2026
3.662
P-Index
This Author published in this journals
All Journal Conference In Business, Accounting And Management (Cbam) 2012 Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Media Ekonomi dan Manajemen Among Makarti PRESTASI Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Manajemen Teori dan Terapan Jurnal Manajemen Indonesia Jurnal Bina Praja PROCEEDING ICTESS (Internasional Conference on Technology, Education and Social Sciences) Jurnal Organisasi Dan Manajemen Magisma: Jurnal Ilmiah Ekonomi dan Bisnis EconBank : Journal Economics and Banking SOLUSI Jurnal Manajemen Bisnis ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Management and Accounting Expose Telaah Bisnis Strategic: Journal of Management Sciences Jurnal Akuntansi dan Keuangan Abdi Makarti
Fitri Lukiastuti
Magister Manajemen STIE Bank BPD Jateng
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Published : 41 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 41 Documents
Search

 1   2   3   4   5 
PENGARUH OPASITAS BANK, RISIKO KREDIT, DAN RASIO SIMPANAN TERHADAP PERTUMBUHAN KREDIT BANK DENGAN WHOLESALE FUNDING SEBAGAI VARIABEL MODERASI Saputri, Ary Dewi; Lukiastuti, Fitri; Djou, Laurentius Dominicus Gadi
Among Makarti Vol 18, No 2 (2025): Among Makarti
Publisher : STIE AMA Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/ama.v18i2.920

Abstract

ABSTRACT : This study examines the influence of bank opacity, credit risk, and the deposit ratio on bank credit growth, with wholesale funding acting as a moderating variable, in conventional commercial banks listed on the Indonesia Stock Exchange (IDX) during the 2019-2024 period. The sample comprises 14 conventional commercial banks, resulting in a total of 84 observations. Data were analyzed using multiple regression with Moderated Regression Analysis (MRA) implemented in SPSS version 27. The results indicate that: (1) bank opacity has a significant negative effect on credit growth; (2) credit risk has a significant negative effect on credit growth; (3) the deposit ratio has a significant positive effect on credit growth; (4) wholesale funding strengthens the negative effect of bank opacity on credit growth; (5) wholesale funding strengthens the negative effect of credit risk on credit growth; and (6) wholesale funding strengthens the positive effect of the deposit ratio on credit growth. The adjusted R2 value of 0.749 suggests that 74.9% of the variation in credit growth is explained by the proposed research model. The findings demonstrate that wholesale funding plays a significant role in reinforcing the interaction between internal bank factors and credit expansion capacity. Accordingly, bank management is required to balance the use of retail and non-retail funding sources in order to maintain financial stability and achieve sustainable credit growth. ABSTRAK : Penelitian ini bertujuan untuk menganalisis pengaruh opasitas bank, risiko kredit, dan rasio simpanan terhadap pertumbuhan kredit bank dengan wholesale funding sebagai variabel moderasi pada bank umum konvensional yang terdaftar di Bursa Efek Indonesia (BEI) periode 2019–2024. Sampel penelitian terdiri dari 14 bank umum konvensional dengan total 84 observasi. Analisis data dilakukan dengan regresi berganda melalui Moderated Regression Analysis (MRA) menggunakan SPSS versi 27. Hasil penelitian menunjukkan bahwa: (1) opasitas bank berpengaruh negatif signifikan terhadap pertumbuhan kredit, (2) risiko kredit berpengaruh negatif signifikan terhadap pertumbuhan kredit, (3) rasio simpanan berpengaruh positif signifikan terhadap pertumbuhan kredit, (4) wholesale funding memperkuat pengaruh negatif opasitas bank terhadap pertumbuhan kredit, (5) wholesale funding memperkuat pengaruh negatif risiko kredit terhadap pertumbuhan kredit, dan (6) wholesale funding memperkuat pengaruh positif rasio simpanan terhadap pertumbuhan kredit. Nilai adjusted R² sebesar 0,749 mengindikasikan bahwa 74,9% variasi pertumbuhan kredit dapat dijelaskan oleh model penelitian ini. Wholesale funding terbukti berperan signifikan sebagai faktor yang memperkuat interaksi antara variabel internal bank dan kapasitas penyaluran kredit, sehingga manajemen bank perlu menyeimbangkan penggunaan pendanaan ritel dan non-ritel untuk menjaga stabilitas serta pertumbuhan berkelanjutan.
Co-Authors Adityawan Fajar Firmanda Akbarida, Bramantyo Dhuha Andy Meindarto Andy Meindarto, Andy Arif Hadi Prasetyo Aulia Nur Fadiyanti Dewi Ermawati Dewi Ermawati, Dewi Dharma Wahyu Edhy Dwian Wahyu Prabawa Eka Muttasari, Wahyu Fitri Endah Sulistyowati Faradiba, Aldilase Adib Grace Tiana Solovida Hernawan, Ito Septanto Himawan Arif Sutanto Iskanto Ismiati Marfuah Laurentius Dominicus Gadi Djou Limbarwati, Sri Lissa’dijah Lissa’dijah Medi Tri P. Mokhammad Khukaim Barkhowa Novi Riza Rosani Nursyah, Ridwan Oktiani Windar Kristianti Pandji Anoraga Pujiastuti, Yanti Retnosary, Rieke Rr. Dian Indra Kusumasari Salsabilla, Salsabilla Samsuria, Indranila K Saputri, Ary Dewi Setyo Pantawis SITI PURYANDANI Sofyantoro, Fiqih Sri Limbarwati Tifani Enno Pradiningtyas Tisnawati, Ruri Uly Maria Ulfah Wahyu Fitri Eka Muttasari Wahyuni, Asri Nur Wijaya, Dody Sakti Yanti Pujiastuti Yanuar Rachmansyah Yanuar Rachmansyah Yunavita Uzzie Elsanti