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Viverita Viverita
Department Of Management, Faculty Of Economics And Business, Universitas Indonesia
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Social Sciences

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The Effect of Credit Risk and Bank Size on Bank Profitability in Indonesia Before and During the Covid-19 Pandemic Utari, Fenti; Viverita, Viverita
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5956

Abstract

This study empirically examines the effect of credit risk using a new measure that is influenced by stimulus policy in Indonesia and bank size on the profitability of Indonesian banks during the Covid-19 pandemic. It employed the Generalized Method of Moments (GMM) Dynamic Model to obtain an overview of the effectiveness of the relaxation policy in maintaining the profitability of Indonesian banks. The stimulus policy by the regulator during the COVID-19 pandemic changed the credit risk calculation and this research contributed by using credit risk measurement adjusted to the stimulus policy by adding restructuring loans in current quality. The study found that credit risk negatively affected profitability in the period during the Covid-19 pandemic. This finding is probably due to the stimulus policy allowing banks to remain current on the credit quality with no addition to the provision. Bank profitability during the pandemic was not significantly affected by credit risk, allegedly among others, also influenced by the good adaptability of banks in Indonesia through additional services. Bank size has had a significant negative effect on profitability during the COVID-19 pandemic for small, medium, and large banks. The larger the size of the bank, the riskier it becomes due to the addition of reputation management including other operational costs.
The Effect of Green Innovation on Firm Value at Different Life Cycle: The Role of Sustainable Growth and Debt Financing Cost Wilutama, Nonie Anggun; Viverita, Viverita
JRAP (Jurnal Riset Akuntansi dan Perpajakan) Vol 11 No 2 (2024): July - December
Publisher : Magister Akuntansi Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35838/jrap.2024.011.02.25

Abstract

Purpose: This study investigates the impact of green innovation on firm value at different stages of the life cycle of energy sector companies in Indonesia. It also examines the moderating effects of sustainable growth and debt financing costs. Methodology: The study utilizes panel data from 61 companies during the period from 2017 to 2022 to analyze the impact of green innovation on firm value and the moderating roles of sustainable growth and debt financing costs. Finding: The findings show that green innovation significantly increases firm value. However, the study finds that there is no significant moderating role of sustainable growth and debt financing costs on the impact of green innovation on firm value. Additionally, the influence of green innovation on firm value varies across life cycle stages. It positively affects firm value during the growth and decline stages, while the impact is not significant at the mature stage. Implication: These findings enhance our understanding of the importance of green innovation for improving the value of firms in the energy sector throughout their life cycles. Originality: This study provides a novel contribution by exploring the impact of green innovation on firm value in Indonesia's energy sector and assessing the moderating roles of sustainable growth and debt financing costs.
The Impact of the Level of Bank Competition on Credit Risk in ASEAN-5 Countries Desi Putri Natalena; Viverita Viverita
EQUITY Vol 27 No 1 (2024): EQUITY
Publisher : Department of Accounting, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to determine the effect of bank competition on credit risk in ASEAN-5 countries. The sample used for this research are banks in ASEAN-5 with a total of 21 banks with a research period from 2011 - 2022. In this research, a panel data regression method was used using the Two Step Generalized Method of Moments (GMM). This research found that banks with higher competition level can reduce their credit. The results support the competition-stability theory. Banks can implement strategies to increase their competitiveness, such as product and service innovation, to reduce credit risk. In addition, banking regulators can use the results of this research to encourage healthy competition in the banking sector to strengthen financial system stability.
The Effect of Green Innovation on Firm Value at Different Life Cycle: The Role of Sustainable Growth and Debt Financing Cost Wilutama, Nonie Anggun; Viverita, Viverita
JRAP (Jurnal Riset Akuntansi dan Perpajakan) Vol. 11 No. 2 (2024): July - December
Publisher : Magister Akuntansi Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35838/jrap.2024.011.02.25

Abstract

Purpose: This study investigates the impact of green innovation on firm value at different stages of the life cycle of energy sector companies in Indonesia. It also examines the moderating effects of sustainable growth and debt financing costs. Methodology: The study utilizes panel data from 61 companies during the period from 2017 to 2022 to analyze the impact of green innovation on firm value and the moderating roles of sustainable growth and debt financing costs. Finding: The findings show that green innovation significantly increases firm value. However, the study finds that there is no significant moderating role of sustainable growth and debt financing costs on the impact of green innovation on firm value. Additionally, the influence of green innovation on firm value varies across life cycle stages. It positively affects firm value during the growth and decline stages, while the impact is not significant at the mature stage. Implication: These findings enhance our understanding of the importance of green innovation for improving the value of firms in the energy sector throughout their life cycles. Originality: This study provides a novel contribution by exploring the impact of green innovation on firm value in Indonesia's energy sector and assessing the moderating roles of sustainable growth and debt financing costs.
Empowering Household Finances: Housewives’ Financial Literacy, Confidence, Risk Appetite, and Dependence in Indonesia Dewanti, Putriyuki; Viverita, Viverita
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 2 (2025): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i2.57368

Abstract

This study analyzes the influence of financial literacy, investment confidence, risk appetite, and dependence status on the financial decision-making of housewives in Indonesia. The academic contribution lies in integrating psychological and sociocultural factors into the financial literacy–behavior nexus, offering a nuanced perspective on household financial agency. A survey of 230 housewives was analyzed using structural equation modeling (SmartPLS) to test the proposed relationships. Results show that financial literacy interacts with investment confidence, risk appetite, and dependence status, yet its impact is contingent on the ability to apply knowledge in everyday contexts. Investment confidence enhances proactive financial behavior, while risk appetite encourages more diverse decisions. Conversely, high dependence on others restricts autonomy in financial choices. The findings emphasize the need for tailored financial education programs that strengthen housewives’ independence and improve overall household financial well-being.
Co-Authors Ade Cornelia Agustini, Menur Aldri Frinaldi Ayu, Laras Chaerani Nisa, Chaerani Cheriyah, Yayah Cornelia, Ade Desi Putri Natalena Dewanti, Putriyuki Dony Abdul Chalid Dwi Nastiti Danarsari Husodo, Zaafri A. Husodo, Zaafri Ananto Ikhsan Abi Nubli Laras Ayu Lenny Suardi Menur Agustini Natalena, Desi Putri Ratih Dyah Kusumastuti Suardi, Lenny Sulistyowati, Widya Utari, Fenti Widya Sulistyowati Wilutama, Nonie Anggun Yayah Cheriyah Zaafri A. Husodo