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All Journal Signifikan : Jurnal Ilmu Ekonomi Buletin Ekonomi Fundamental Management Journal Journal of Industrial Engineering & Management Research (JIEMAR) INTERNATIONAL JOURNAL OF SOCIAL, POLICY AND LAW (IJOSPL) Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal ComunitA Servizio Indonesian Journal of Business Analytics (IJBA) Jurnal Manajemen Risiko Enrichment: Journal of Multidisciplinary Research and Development IIJSE fundamental management journal International Journal of Christian Education and Philosophical Inquiry
Wilson Rajagukguk
Universitas Kristen Indonesia
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Social Sciences Other

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Journal : IIJSE

 1 
Analysis of the Impact of Credit Risk on the Financial Performance of the Financing Industry: A Comparative Study of the Period Before, During, and After the Covid-19 Pandemic (2017–2024) Loblobly, Immanuel Simon; Djohanputro, Bramantyo; Rajagukguk, Wilson
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9468

Abstract

This study aims to analyze the impact of credit risk on the financial performance of the financing industry in Indonesia using a comparative study approach across the periods before the Covid-19 pandemic (2017–2019), during the pandemic (2020–2021), and after the pandemic (2022–2024). The data used are aggregated secondary industry data sourced from financing institution statistical reports published by the Financial Services Authority (OJK). Credit risk is proxied by the Non-Performing Financing (NPF) ratio, while financial performance is measured using Return on Assets (ROA). The analytical method employed is linear regression with dummy variables and interaction terms to capture differences in impact across crisis periods. The results show that credit risk has a negative and significant effect on the financial performance of the financing industry. In addition, the Covid-19 pandemic is proven to have strengthened the negative impact of credit risk on industry profitability, while the post-pandemic period indicates signs of performance recovery. These findings underscore the importance of adaptive credit risk management and the role of regulatory policies in maintaining the stability of the financing industry during periods of crisis and economic recovery.
An Analysis of Operational Risk Management in the Appointment Process of School Principals at Foundation X Based on ISO 31000:2018 Songa, Apner; Rajagukguk, Wilson; Tewu, Denny
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9011

Abstract

Risk management is essential in educational governance to ensure the sustainability and quality of learning services. This study analyzes operational risks in the appointment process of school principals at Foundation X in North Maluku using the ISO 31000:2018 framework. The research applies a descriptive qualitative method through in-depth interviews, observations, and document analysis. The findings reveal that the principal appointment process has not yet been supported by standardized and documented procedures, opening space for subjective intervention, the dominance of informal power structures, and limited transparency in decision-making. The risk assessment identifies three high-priority risks: intervention from the Board of Trustees in principal selection, non-meritocratic appointments that disregard competency standards, and internal organizational conflicts stemming from weak leadership legitimacy. The application of ISO 31000:2018 enables systematic mapping of risk likelihood and impact, as well as the formulation of governance-oriented mitigation strategies such as the development of formal selection SOPs, the formation of an independent selection committee, and the reinforcement of performance evaluation mechanisms. This study contributes to improving risk management practices in foundation-based educational institutions by offering recommendations that promote transparency, accountability, and leadership quality.
Co-Authors Andrian, Tony Boiliu, Esti Regina Bramantyo Djohanputro Carolina F.Sembiring Daniel B. S. Simamora Decmoon Destine Dr. Poerwaningsih Soekarno, M.STr Ferry Ardiyanto K. Seljuna Monika Ktut Silvanita Mangani Loblobly, Immanuel Simon Luri Rahman Anharudin Marsifat Tom Pranji Situmorang Melinda Malau Muhamad, Muhamad Chaerul Ikhsan Nenny Anggraini Nenny Anggraini Pentury, Thomas Perak Samosir Rindu Eka Bakti Tarigan Romauli Manik Saerang, Lodewyik Sembiring, Carolina F. Simanjuntak, Joksan Sitanggang, Herpina Roulina Songa, Apner Stefanus , Tonny Andrian Suzanna Yosephine Tobing Suzzana Josephine L.Tobing Tewu, Denny Thomas Pentury