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All Journal Jurnal Intermediasi Jurnal Ekonomi Pembangunan Jurnal Reviu Akuntansi dan Keuangan JEJAK Journal of Economics, Business, & Accountancy Ventura Journal of Indonesian Applied Economics Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Journal of Accounting and Investment Falah : Jurnal Ekonomi Syariah Muhammadiyah International Journal of Economics and Business Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Journal of Innovation in Business and Economics Jurnal Aplikasi Akuntansi International Journal of Economics Development Research (IJEDR) Jurnal Akademi Akuntansi (JAA) Studi Kasus Inovasi Ekonomi Jurnal Inovasi Ekonomi Jurnal Ilmu Ekonomi Journal of Financial Economics & Investment Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Journal of Indonesian Economy and Business Media Ekonomi Journal of Economic and Social Empowerment E-JURNAL AKUNTANSI
Idah Zuhroh
Universitas Muhammadiyah Malang
Humanities Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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The Impact of Financial Inclusion and Financial Technology on Economic Growth in Indonesia Jhoni Lumintang; Idah Zuhroh; Firdha Aksari Anindyntha
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 1 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i3.4615

Abstract

Economic growth is one of the important aspects that is of concern because it is connected to the welfare of the community and the state of a good economy, where the financial sector plays an important role in increasing economic growth. The objective of this research is to examine the effects of financial inclusion and fintech on Indonesia's economic growth. Data processing analysis in this researc using panel data regression. The results of the saving accounts and the amount of commercial bank lending have a positive and significant effect on, bank offices has a negative insignificant effect and fintech lending has a positive insignificant and effect on economic growth. To encourage economic growth, banking service providers distribute funds to the public and all industrial sectors and innovate on products and make efficiency in their services as well as analyze every risk, and for fintech companies to educate and introduce digital financial products to every element of society.
THE IMPACT OF GREEN FINANCE ON BANKING PERFORMANCE IN INDONESIA Rafly Izaz Mada Yafie; Idah Zuhroh; Firdha Aksari Anindyntha
Jurnal Aplikasi Akuntansi Vol 9 No 1 (2024): Jurnal Aplikasi Akuntansi, Oktober 2024
Publisher : Program Studi Diploma III Akuntansi Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jaa.v9i1.464

Abstract

Green Finance refers to financial practices that can be described through financial services and products that take environmental sustainability to support sustainable development. The role of green finance is to connect financial goals with the environment to encourage inclusive economic growth. One form of green finance implementation is in financial institutions, especially banking. This study aims to analyze the impact of green finance implementation in the banking sector on banking performance as proxied by the profitability ratio in the 2018-2022 period. The Generalized Method of Moments (GMM) dynamic panel is used. The Green Daily Operation (GDO) and Green Finance Policy (GFP) variables indicate the implementation of green finance in banking. Other independent variables use banking performance ratios consisting of the capital adequacy ratio, non-performing loans, and the bank's operational efficiency ratio. The study results show that green finance represented by implementing GFP can increase profitability, while GDO does not significantly affect banks' profitability in Indonesia. Furthermore, the internal banking ratio that is not significant to profitability is the capital adequacy ratio, while increasing non-performing loans and operational efficiency ratio significantly negatively impacts bank performance because it reduces profitability. This research supports applying the green concept in the banking sector to improve sustainable bank performance.
Investigating the Impact of Green Banking Disclosure, Profitability, Company Size, and Non-Performing Loans on Company Value Asilah Eka Putri; Idah Zuhroh
E-Jurnal Akuntansi Vol 34 No 5 (2024)
Publisher : Accounting Department, Economic and Business Faculty of Universitas Udayana in collaboration with the Association of Accounting Department of Indonesia, Bali Region

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJA.2024.v34.i05.p04

Abstract

Green banking practices encompass not only sustainability but also the potential financial benefits. However, in the short term, issuing green financial products requires substantial capital, which can negatively impact company value. This study aims to analyze the influence of Green Banking Disclosure, Profitability, Bank Size, and Non-Performing Loans (NPL) on Company Value, both individually and collectively. The research sample consists of 8 conventional banks that published sustainability reports on the Indonesia Stock Exchange (IDX) from 2015 to 2022. The analysis results indicate that green banking disclosure and bank size do not significantly affect company value. Conversely, profitability shows a significant positive influence, while non-performing loans exhibit a significant negative impact on company value. Based on these findings, it is crucial for policymakers to innovate and create more contributive green financial products, enhancing their ability to boost bank performance. Additionally, a comprehensive management approach covering all financial aspects is necessary to support the effectiveness of green banking practices. Keywords: Green banking Disclosure; Profitability; Bank Size; NPL; Firm Value
Balancing Caution and Expansion: The Non-Performing Loans Threshold for the Credit-Growth Nexus Zuhroh, Idah; Rofik, Mochamad
Journal of Indonesian Economy and Business Vol 40 No 2 (2025): May
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/jieb.v40i2.8017

Abstract

Introduction/Main Objectives: This research explores how non-performing loans (NPLs) affect economic growth while assuming that the economy can sustain a certain ratio of NPLs without disruption. Background Problems: Studies employing the threshold approach have not explicitly defined the upper limit of NPLs that supports economic growth. Novelty: This study adds to the existing literature by examining the non-linear relationship between NPLs and economic growth, grounded in two key assumptions: 1) the complete elimination of NPLs is unrealistic, and 2) a threshold level of NPLs exists. Research Methods: Based on this assumption, the study constructs a non-linear model with an inverted U-shape pattern, applying annual data from 33 provinces in Indonesia during 2010–2021 and employing dynamic panel data regression with the GMM estimator. Finding/Results: The results reveal that NPLs will have a negative impact on growth when the NPL ratio exceeds 5.8% in total credit and 2.4% for household credit. However, no inverted U-shaped pattern is observed for working capital and investment credit. In addition, bank credit in total, as well as working capital credit and household credit show a significant positive coefficient on growth, while investment credit has an insignificant negative coefficient. We also introduce the concept of NPLs-growth risk, categorizing it as risk-free, low-risk, moderate-risk, and high-risk based on the area under the curve. The findings indicate that the NPLs-growth risk in Indonesia is generally at a low level. Conclusion: Ensuring that NPLs remain within a safe threshold is essential for sustaining economic growth and avoiding financial instability.
Co-Authors . Misgayanti Aida Bela Silfia Alvio Veronika Anggraeni, Anita Meliana Asilah Eka Putri Asmaul Hayani Birrul Walidain Daryanti Ningsih Daryanti Ningsih, Daryanti David Kaluge Della Andrieanny Putri Desi Anggarwati Dessy Dianita Dewi Indriana Dhurotus Sangadah Didit Suprayitno Dwi Susilowati Erika Novendira Purnamasari Eris Tri Kurniawati Eris Tri Kurniawati Eris Tri Kurniawti Evita Hayatun Nufus Faizal Amir Faizal Amir, Faizal Feeriska Budi Wiranti Firdha Aksari Anindyntha Fitri Rusdianasari Frinda Pramesti Regitara Cahyani Hafiludin, Alan Hanifah, Zalfa Elvina Dewi Harpiyansa Harpiyansa Hendra Kusuma Hendra Kusuma Hendra Kusuma Herlina Panama Ida Nuraini Indriana, Dewi Jhoni Lumintang Khalidah, Nur Diana Kristianto, Andriyan La Subuh Latifa Insaf Maulida Maslikhah, Devi Vela Mayangsari, Bunga Adelia Maydhy Zulfi Afied Misgayanti, . Mohammad Faisal Abdullah Muhammad Ardiansyah Muhammad Sri Wahyudi Suliswanto Nabilah Khairunnisa Natalia Popy Kristian Nazaruddin Malik Novia Dwi Putri novia dwi putri Pradityo Fahril Arrahman Prasetyo, Levina Pristiva, Desy Rafly Izaz Mada Yafie Regar Elisa Rifatin Amalia Rofik, Mochamad Rohmah, Nikmatur Selva Kurnia Oneestasya Sembiring, Rinawati Sri Budi Cantika Sri Budi Cantika Yuli Subuh, La Syamsul Hadi Syamsul Ph.D M.A. Hadi Syela Kurniawati Ummi Khusnul Habibah Vebian Indriati Viana, Vira Okta Yulidia Rohmawati Yustian, Lila Denayu Zainuri, - Zulfa Nahdia Rahmi