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Ira Geraldina
Universitas Terbuka
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Journal : Performance

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The Implementation of Banking Risk Management in Southeast Asian Countries Julia Safitri; Ira Geraldina
Performance: Jurnal Personalia, Financial, Operasional, Marketing dan Sistem Informasi Vol 30 No 1 (2023): Performance
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jp.2023.30.1.8070

Abstract

The purpose of this study is to empirically examine the impact of credit risk, liquidity risk and interest rate on the performance of banks through capital adequacy. Banking companies in five Southeast Asian countries were used as data source in this quantitative research. The total sample obtained was 175 from 2014 to 2020. This Predictive and exploratory inquiry used Partial Least Squares (PLS) Structural Equation Modelling (SEM) with WarpPLS 7.0 application. The study found that credit risk significantly affected bank performance. The VAF calculation to see whether the capital adequacy as a mediator can be categorised as partial mediation or not also showed a similar finding. A mediation test was carried out using the VAF method where the conditions were 20% < VAF < 80%. From the results of data analysis, capital adequacy showed to be able to mediate the indirect impact of credit risk on bank performance. The result, therefore, validated the Commercial Loan hypothesis, which states that if a bank's productive assets, which consist of short-term loans, are distributed in normal business activities, bank liquidity will be ensured. This study indicated that credit risk in Southeast Asian Countries requires sufficient capital reserves to reduce the occurrence of credit risk which will have an impact on decreasing bank performance.
Co-Authors Abdul Rahman Rahim Abudaqa, Anas Adrian Sutawijaya Adrianto, Fajri Ake Wihadanto Ali Muktiyanto Amir Fikri Andi Harmoko Arifin Andriyansah . Ariantika, Elly Nindi Ashari, Maharani Syamsyyah Bhinuko, Ary Budisaptorini, Anasthasia Triwulan Darmawan Darmawan Denisa Ryan Angelita Dewi Pangestuti Diah Setyorini Gunawan Dian Astuti Dlamini, Sipho Dwitya Estu Nurpramana Elly Nindi Ariantika Estu Nurpramana, Dwitya Fitri Normasari Fitri Normasari Hendrian Hendrian, Hendrian Hidayah, Zainur Hilda Rossieta Jasmine, Rania Julia Safitri Julianto Agung Saputro Kardini, Ni Luh Karyani, Etikah Kokali, Johni Krisna Devara Aryoputro Kurniatie, Safira Laili, Noor Legoh, Valentino Febrian Lumbantoruan, Frizt Yonif Yongly Maharani Syamsyyah Ashari Manggarani, Cynthia Ayu Marissa Grace Haque Masditok, Tokit Maya Nur Annisaa Maylinda Dwi Lestari Michelle Pamela Miftah, Mohammad Mirfaqoh, Vella MN, Nuryasman Moh. Ali Imron Mohamad Ana Syabana Muhammad Din Muhammad Idris Muhammad Rizkillah Muji Gunarto Muktiyanto, Ali Musfiratun, Musfiratun Na'im, Ainun Nataliani, Nadya Putri Ni Luh Kardini Novia Novia Novita Ekasari NOVITA EKASARI Ontorael, Rianty Ontorael, Rianty Pamungkas, Kasno Panubut Simorangkir Paramitha, Diky Persada, Topan Pranajaya, Harry Rakan Pradipta Rakhmansyah, Mohamad Ratna Wardhani RINI FEBRIANTI Rizal Diansyah Sabighoot , Yus Alvar Safitri, Julia Setyorini Gunawan, Diah SITI MAHMUDAH Suaib Suaib Suaib, Suaib Subchan, Subchan Sudarmo, Agnes Tanjung, Irmanisa Ikhwani Teddy Chandra Tiara Fatimah Tokit Masditok Tri Gunarsih Tubagus Ismail Tubagus Ismail Tubagus Ismail Umi Narimawati Untung Rahardja Wati, Lela Nurlaela Wel Hendra Widiasie, Lynie Yusriani, Sri