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All Journal JURNAL BISNIS STRATEGI Jurnal Studi Manajemen Organisasi Diponegoro Journal of Economics Diponegoro Journal of Management Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal International Research Journal of Business Studies (E-Journal) Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Journal of Business, Social and Technology Equivalent: Jurnal Ilmiah Sosial Teknik e-Jurnal Apresiasi Ekonomi Research Horizon IIJSE Riset Akuntansi dan Keuangan Indonesia Prosiding Seminar Nasional Unimus Journal of Finance and Islamic Banking Scientific Journal of Informatics International Research Journal of Business Studies Economic and Business Horizon
Wisnu Mawardi
Departemen Manajemen Fakultas Ekonomika Dan Bisnis, Universitas Diponegoro
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Nursing Public Health Social Sciences Other

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THE EFFECT OF CREDIT RISK ON FINANCIAL PERFORMANCE OF CONVENTIONAL PEOPLE'S BANKS IN INDONESIA (Comparative Study between Privately Owned and Local Government Owned BPRs) Reza Surya Akdiwidjaya; Wisnu Mawardi
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 5 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i5.4354

Abstract

People's Economic Banks (BPR) have a strategic role in supporting the local economy through financial intermediation, particularly in the Micro, Small, and Medium Enterprises (MSMEs) sector. This study aims to analyze the effect of Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Firm Size on Return on Assets (ROA) in Private BPRs and Regional Government BPRs in Indonesia. The research method used is quantitative with a multiple regression approach, using secondary data from the annual financial reports of Private BPRs and Regional Government BPRs for the 2019-2024 period. Sample selection was carried out using a stratified random sampling method based on data published by the Financial Services Authority (OJK). From the total population, 92 Private BPRs and 92 Regional BPRs were obtained with a total of 1100 initial observations. Then outlier trimming was performed to increase validity, resulting in 302 observations of Private BPRs and 488 observations of Regional BPRs for analysis. Data processing was carried out using SPSS software version 26.0 The results of the study indicate that in Private BPRs, the NPL variable has a significant negative effect on ROA, CAR has a significant positive effect on ROA, LDR has a significant positive effect on ROA, while Firm Size has no significant effect on ROA. In Regional BPRs, the results show that NPL has a significant negative effect on ROA, CAR has a significant positive effect on ROA, LDR has no significant effect on ROA, while Firm Size has a significant positive effect on ROA. The coefficient of determination (Adjusted R²) is 0.209 or 20.4% for Private BPRs and for Regional BPRs it is 0.204 or 20.4%, the independent variables are able to explain variations in ROA. The implications of this study emphasize the importance of controlling non-performing loans (NPLs), strengthening capital (CAR), and effectively channeling quality credit (LDR) in improving the financial performance of rural banks (BPR). Furthermore, asset scale management (firm size) needs to be optimized, particularly in regional BPRs, to contribute more significantly to increased profitability. This study provides theoretical contributions to the banking literature on factors influencing BPR profitability and provides practical input for bank management and regulators in formulating regional banking policies.
Analysis of the Effect of Credit Risk and Market Risk on Banking Capital Satisfaction during the Covid-19 Pandemic (Case Study on Commercial Banks In Indonesia) Alamaint, Saezar; Mawardi, Wisnu
Journal of Business, Social and Technology Vol. 4 No. 2 (2023): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v4i2.149

Abstract

The COVID-19 pandemic has posed significant challenges to the financial stability of banking institutions around the world. This research seeks to conduct an empirical study to determine the effect of credit risk and market risk on capital security. This study aims to examine (1) the effect of Credit Restructuring,Non-Performing Loans (NPL), Net Interest (NIM) on Capital Adequacy Ratio (CAR) (2) the effect of NPL, NIM on Return On Assets (ROA) (3) the effect of ROA on CAR and (4) the effect of NIM, NPL to CAR with ROA as the intervening variable. The sample for this research is commercial banks registered with OJK in 2020 that meet the research criteria. The method of analysis in this study is path analysis which is the development of multiple and bivariate regression analysis. The research results show thatCredit restructuring has a negative and insignificant effect, NPL has a negative and insignificant effect on CAR, NIM has a positive and not significant effect on CAR, NPL has a negative and significant effect on ROA, NIM has a positive and significant effect on ROA, ROA has a negative and significant effect on CAR, NPL has a direct influence on CAR through ROA, NIM has no effect on CAR through ROA.
Co-Authors Adistya, Renna Alamaint, Saezar Anisqe Adita Ardiansyah, Rizki Arief Rachman Arindra Karunia Rahmadhani, Arindra Karunia Asriyani, Rahma Asti Mardiana Putri, Asti Mardiana Astuti, Fitria Yuni Asyazilal, Abieta Cahyana, Muhammad Aziz Catur Karyanto Pilih Chotrianda, Nadhia Fortuna Dea Adielyani Diah Meani R.M.D Dinda Ayu Septiana Doni Setiawan Dul Muid Eliezer Yudha Nattan Fahmi Hasan, Fahmi Farhanditya, Ferdiansyah Djody Farich Novrina Sandy Fitri Andriani, Lia Foza Hadyu Hasanatina, Foza Hadyu Fuad Mas’ud Glady Precillia Arindi, Glady Precillia Hadi, Naufal Handayani, Heny Harjum Muharam Harris, Rizky Muhammad Hashifah Nabilah Hashifah Nabilah, Hashifah Hendra Fitrianto Hendratno, Roberto Heny Handayani Iffada, Berliana Iga Bagus Jaya Wardhana, Iga Bagus Jaya Indra Kurnia Irene Rini Demi Pangestuti Kurniawan, Noval Kusuma, Difa Putra Makusara, Kumaralalita Mansur Mansur Miyasto Miyasto Mochammad Ardani Muhajir, Atok Muhammad Aziz Cahyana Muhammad Azmi Fauzan, Muhammad Azmi Nugroho, Leonardus Jayadi Pangestika, Devi Wahyu Pradhipta, Rama Dwika Prasetyo, Ivan Pratama, Anaszaki Purbayu Budi Santosa Putra, Ardhilo Putranto, Andre Novia Rachmawati, Windasari Rahmitha, Sasya Ramadhan, Aryasatia Rayhan, Raditya Valeri Aurelia Retno Hidayati Reza Surya Akdiwidjaya Riza, Mukaffi Rizky Utami, Anindya Rizqi Amalia Yasinta Putri Robiyanto Robiyanto Robiyanto, Robiyanto Robiyanto, Robiyanto Ryan Havidhian Putra Sari, Dwi Kamilah Sasya Rahmitha Setiyawati, Lia SUGENG WAHYUDI Sugeng Wahyudi, Sugeng Syafa’ati, Fiskia Tarigan, Edi Suranta Thoriq, Ezar Aufa Tiari Aprisilya, Tiari Vidianto, Muhammad Afiq Wafdayanti, Haasya Widiastuti, Cahyaning Ajeng Yurivin, Nerissa Zakiah Zakiah