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All Journal JURNAL BISNIS STRATEGI Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management Jurnal Keuangan dan Perbankan Journal of Economics, Business, & Accountancy Ventura Gadjah Mada International Journal of Business Jurnal Manajemen Teori dan Terapan Syntax Literate: Jurnal Ilmiah Indonesia AFRE Accounting Financial Review JOURNAL OF APPLIED ACCOUNTING AND TAXATION DIJB (Diponegoro International Journal of Business) SEIKO : Journal of Management & Business Kumawula: Jurnal Pengabdian Kepada Masyarakat International Journal of Economics Development Research (IJEDR) Jurnal Pasar Modal dan Bisnis Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences AL-ARBAH: Journal of Islamic Finance and Banking JURNAL ILMIAH GLOBAL EDUCATION Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) e-Jurnal Apresiasi Ekonomi Research Horizon IIJSE Economic and Business Horizon
Irene Rini Demi Pangestuti
Department Of Management Faculty Of Economics And Business Universitas Diponegoro Jl. Prof. Soedarto SH, Semarang, 50275
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Social Sciences Other

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THE EFFECT OF INCOME DIVERSIFICATION STRATEGY ON CREDIT RISK AND MARKET RISK IN COMMERCIAL BANKS IN INDONESIA DURING THE COVID-19 PANDEMIC Otto Fitriandy; Irene Rini Demi Pangestuti
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 3 (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.v5i3.3021

Abstract

The phenomenon of economic instability due to the COVID-19 pandemic has encouraged banks to improve income diversification strategies in order to reduce risk exposure and maintain sustainable financial performance. This study aims to analyze the effect of income diversification on credit risk and market risk with the role of control variables Size, Tangible Asset, Return on Asset and Liquidity. The study was conducted at Conventional Commercial Banks in Indonesia during the period 2018-2023. This research method uses a quantitative approach with secondary data. The population in this study is all Conventional Commercial Banks in Indonesia as many as 105 banks, then the sample determination uses purposive sampling technique and produces 101 banks as samples. The observation period for six years produced a total of 606 observation data. The analysis tool uses SPSS 26.0 software through multiple regression tests. The first regression results show that income diversification has a significant negative effect on credit risk (sig. 0.000; t-stat -3.170). Meanwhile, the size control variable does not affect credit risk (sig. 0.353; t-stat 0.930), Tangible does not affect credit risk (sig. 0.261; t-stat -1.125). ROA has a positive effect on credit risk (sig. 0.000; t-stat 6.399). Liquidity has a positive effect on credit risk (sig. 0.000; t-stat 6.355). The R² value of 0.204 indicates that 20.4% of the variation in credit risk can be explained by income diversification, and the control variables Size, Tangible Asset, Return on Asset and Liquidity. In the second regression, income diversification has a significant negative effect on market risk (sig. 0.049; t-stat -1.972). Meanwhile, the control variable size has a positive effect on market risk (sig. 0.002; t-stat 3.049), Tangible has no effect on market risk (sig. 0.493; t-stat -0.686). ROA has a negative effect on market risk (sig. 0.002; t-stat 3.184). Liquidity has a positive effect on market risk (sig. 0.000; t-stat 21.080). The R² value of 0.583 indicates that 58.3% of the variation in market risk can be explained by income diversification, and the control variables Size, Tangible Asset, Return on Asset and Liquidity.
Investor Behavior In Green Investment Information Puspitasari, Intan; Wahyudi, Sugeng; Pangestuti, Irene Rini Demi
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 2 No. 1 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.1.5497

Abstract

AbstractPurpose - This study aims to analyze the behavior of investors towards voluntary disclosure in the form of green investment information.Method - This research is using qualitative descriptive method, the data will be taken and collected from several literatures and literature studies.Result - The result of this research indicates that there are investors’ behaviors in voluntary disclosure of green investment information.The first, green investor refers to the investors rejecting to the stocks that do not receive green investment, investor will react positively if a disclosure of green investment information stands.The second, the investors react negatively by giving pessimistic respond towards green investment, investors who do not have choice of shares from other companies.Implication - This study uses the data from study of literature.Originality - This research develops several old and new theories related to green investment and it is applied using certain different types of companies as the objects.
Co-Authors Aditya Tri Hardiyawan, Aditya Tri Advento Johanes Pangomo Ajeng Nurmalasari Al Hazmi, Muhammad Zaky Afkar Amie Kusumawardhani, Amie Andri Ismatullah Gani Ardian, Rico Arfinda Piradipta Suharno, Arfinda Piradipta Ariyani, Hilma Faza Augusty Tae Ferdinand Basthiani, Ikrimah Anggita Budi Rahman Clara Dewi Novitasari, Clara Crissy Norris Sianturi, Crissy Norris Cynthia Rahma Fatiha, Cynthia Rahma Cyrena, Maudhita Desi Natalia Pardede, Desi Natalia Dinar Nur Septiyanto Ega Arminta Ega Arminta Fachry Abda El Rahman Fauziah Putri Gantika, Fauziah Febrina Wahyu Widiasari, Febrina Gloria Anindya Perwitaningtyas, Gloria Anindya Hariyanti, Nunik Harjum Muharam Hersugondo Hersugondo Idris Idris Imam Indra Permana Indana, Dina Intan Puspitasari Intan Puspitasari Isdiputra, Feisal Johanis Darwin Borolla Kinasih, Raras Sekar Lhadualiese Sidauruk, Lhadualiese Luthfiati, Fitria Makusara, Kumaralalita Marpaung, Clier Romi Melati Lindasari, Melati Meryta Wityasari, Meryta Meygawan Nurseto Aji Michael Sandra Pramana, Michael Sandra Michael Sitorus, Michael Mochammad Chabachib Mudzakir, Fahmi Utomo Muhammad, Yusuf Muninggar, Aliya Inggita Prameswari Mussadun Mussadun, Mussadun Nashirah, Azizah Fatin Nida ‘Ul Chasanah, Fatihah Nugrahandini, Yuliastanti Nurul Hakim, Nurul Oktaviani oktaviani Otto Fitriandy Pradhipta, Rama Dwika Prianka Ratri Nastiti, Prianka Ratri Priono, Andri Puji Irawan, Puji Putra, Aditya Mahendra Putri, Aisya Sylvana Rahmadani, Salsabila Gading Ramadhan, Iqbal Ryan Retno Susanti Risky Diba Avrita, Risky Diba Robinson robinson Robiyanto Safitri, Maria Sarah Dewi Fathinna, Sarah Dewi Septi Rianasari, Septi Simanjuntak, Tagora Bangkit Pahala Siwa Adnyana, Ida Bagus Putu Soares, Ersilda Dos Santos Mota Soegiono Soegiono Sugeng Wahyudi, Sugeng Suryanegara, Arya Susilo Toto Raharjo Swaskarina, Neisya Hafizha Triana, Tika Tsabit, Ilhaam Anggra Za’im Wafdayanti, Haasya Wakhidah Kurniawati Widiastuti, Cahyaning Ajeng Wisesa, Baskara Bayu Wisnu Mawardi Yesica Yulian Adicondro, Yesica Yulian Yesy Hartina Alusia, Yesy Hartina Yudha, Aji Yudistira, Eka Maisa Yuwana Sari, Rida