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All Journal El Dinar JAM : Jurnal Aplikasi Manajemen Dinamisia: Jurnal Pengabdian Kepada Masyarakat Al-Madrasah: Jurnal Ilmiah Pendidikan Madrasah Ibtidaiyah Media Mahardhika IKRA-ITH ABDIMAS EDUKATIF : JURNAL ILMU PENDIDIKAN Sarwahita : Jurnal Pengabdian Kepada Masyarakat Arthavidya Jurnal Ilmiah Ekonomi PEDULI: Jurnal Imiah Pengabdian Pada Masyarakat AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Jurnal Ekuivalensi International Journal of Environmental, Sustainability, and Social Science Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan ZAD Al-Mufassirin Ukazh : Journal of Arabic Studies PROSIDING SEMINAR NASIONAL PENELITIAN DAN PENGABDIAN KEPADA MASYARAKAT (SNPPM) UNIVERSITAS MUHAMMADIYAH METRO Jurnal Edukasi Pengabdian Masyarakat: EDUABDIMAS Al Hikmah: Indonesian Journal of Early Childhood Islamic Education Proceeding International Conference on Education
Rizalnur Firdaus
Universitas Wisnuwardhana
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Mathematics Public Health Social Sciences Other

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Journal : Media Mahardhika

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APAKAH RISIKO DETERMINAN BAGI KINERJA BANK PERKREDITAN RAKYAT? Mychelia Champaca; Moch Nurhidayat; Rizalnur Firdaus
Media Mahardhika Vol. 21 No. 3 (2023): May 2023
Publisher : STIE Mahardhika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/mahardika.v21i3.624

Abstract

Most of the studies on risk relationships have been carried out in the context of commercial banking, and only a few have examined microfinance. This study seeks to raise the issue of risk-taking as a form of bank behavior tested in the context of microfinance. Due to the high risk and the spread of the number of branch offices, which are very wide and numerous compared to commercial banks or other microfinance institutions, this study examines the risks to microfinance performance using rural banks data as a formal form of microfinance representation. This study uses all rural bank data in Indonesia in examining the role of risk in rural banks profitability and efficiency performance. Risk indicators used in testing include liquidity risk, solvency risk, and credit risk. The findings of this study show that risk reduces profitability, reduces efficiency, and reduces credit repayments. The test results indicate that the role of the Indonesian government through its policies shows good control over risk management in microbanking to prevent contagion effects that lead to systemic risk due to the wide reach of rural banks.
Co-Authors Adri Putra Nugraha Agus Pujiartha, Lalu Ahmadi, Andri Al Madzali, Muhammad Yusri Alam, Dede Ruba'i Misbahul Andaristo, Agung Aripandu Annuri Ar Ruhimat, Imroati Istibsyaroh Azhar Adi Darmawan Azhar Adi Darmawan Budi Prawoto Budi Purwanto Choirul Anam AM Diponegoro Dian Rokhmawati Dila, Thabita Kadja Dolaksaribu, Tio Ariella Fadllurrahman, Fadllurrahman Fadllurrohman, Fadllurrohman Hanif, Nazarudin Hernanik, Nova Dwi Heru Wahyu Herwanto Hofifah, Hofifah Jaenudin Jaenudin Jauhari, Asrul Jayanti, Ratna Dwi Kirnoprasetyo, Istiyono Kristianti, Tri Kustiningsih, Nanik Leksono, Sonny Lila Widya Rahajeng Mahmudi, Muhlish Maskuri, Muhammad Naja Maulana, Afiko Ilham Akbar Mei, Laras Mochammad Imron Awalludin Munandar Mychelia Champaca Nurin Fitriana Nuryanto, Alip Olla, Nima Aleta Rachma Yuliana Ratnasari, Heny Dwita Rizka Fitriasari Rukmana, Vita Maulidia Sulistyo, Mikael Adri Budi Tarihoran, Naf'an Tasnim Nikmatullah Realita Tatihoran, Naf’an Tio Arriela Doloksaribu Yarzuqu, Asya Yekti Sri Rahayu Yuniwati, Eny Dyah