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All Journal Journal of Indonesian Economy and Business Proceeding National Conference Business, Management, and Accounting (NCBMA)
Pananda Pasaribu
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Bank Specific Determinants of Loan Growth and Stability: Evidence from Indonesia Pananda Pasaribu; Bonnie Mindosa
Journal of Indonesian Economy and Business Vol 36 No 2 (2021): May
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (782.89 KB) | DOI: 10.22146/jieb.v36i2.1385

Abstract

Introduction/Main Objectives: This study aims to examine the specific determinants of loan growth and the consequences of excessive loan growth on bank stability. Background Problems: Bank loans play an important role in economic growth, but previous studies indicate that excessive loans lead to bank instability. Novelty: This study undertakes a comprehensive analysis, as it will discuss both the loan determinants and excessive loans simultaneously. Research Methods: This study covers more than 89% of the total loans of commercial banks (listed and non-listed banks) between 2002 and 2018 and it employs GMM in order to obtain robust estimations. Finding/Results: The growth of customers’ deposits and gross NPL are the most important factors in explaining loan growth in Indonesia. Banks with excessive loans tend to have high levels of credit risk. Conclusion: Banks’ liquidity and credit risk have important roles in explaining banks’ loans. However, excessive loans could lead to bank instability, particularly for small banks.
IMPACT OF NET PROFIT MARGIN AND EARNING PER SHARE TO STOCK PRICE IN INDONESIAN BANKING LISTED COMPANY FROM 2019-2023 Very; Pananda Pasaribu; Budi Kurniawan
Proceeding National Conference Business, Management, and Accounting (NCBMA) 8th National Conference Business, Management, and Accounting
Publisher : Faculty of Economics and Business Universitas Pelita Harapan

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Abstract

The banking sector plays a crucial role in Indonesia's economy, influencing stock market dynamics through key financial metrics. This study explores the impact of Net Profit Margin (NPM) and Earnings Per Share (EPS) on stock prices of Indonesian publicly listed banks during the 2019–2023 period. Using a quantitative approach, the research analyzed historical financial data and applied multiple linear regression techniques. Findings reveal that while NPM negatively affects stock prices, EPS demonstrates a significant positive influence, underscoring its importance as a key profitability indicator for investors. The results suggest a relationship between financial performance and stock valuation in the banking sector. These insights highlight the need for managers to balance operational efficiency with shareholder expectations, enhancing understanding of stock price determinants in sector-specific contexts.
Co-Authors Bonnie Mindosa Budi Kurniawan Very