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Bahtiar Usman, Bahtiar
Universitas Trisakti
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Journal : IIJSE

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The Effect of Basel III Liquidity, Credit Risk, and Market Risk on the Profitability of Commercial Banks in Indonesia Mahisi, Pratisyara Puspa Widitha Narindra; Usman, Bahtiar
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (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.v7i2.4680

Abstract

This study aims to analyze the effect of Basel III liquidity provisions, credit risk, and market risk on banking profitability in Indonesia. The global financial crisis has hit the banking world several times, showing that the fulfillment of capital requirements is not enough to make banks survive, so the Basel Committee on Banking Supervision initiated Basel III which added provisions regarding banking liquidity, namely Liquidity Coverage Ratio and Net Stable Funding Ratio. Previous research only discussed the effect of the Liquidity Coverage Ratio on banking profitability (Return on Assets and Net Interest Margin), with two control variables Equity to Assets Ratio and Bank Size. This study adds other independent variables of Basel III liquidity provisions (Net Stable Funding Ratio), credit risk (Non-Performing Loan), and market risk (Stock Return Risk). With a sample of 20 conventional banks listed on the IDX for the 5 years (2018-2022), 100 secondary data were obtained from each bank's website. The results of panel data regression with multiple regression analysis show that Net Stable Funding Ratio and Stock Return Risk only has a significant effect on Net Interest Margin; Non-Performing Loan and Bank Size have a significant effect on Return on Assets and Net Interest Margin; Equity to Assets Ratio only has a significant effect on Return on Assets; and Liquidity Coverage Ratio has insignificant effect on both Return on Assets and Net Interest Margin. This study provides implications for bank management and regulators to commit and supervise the NPL level low, and to provide support to increase bank assets.
Co-Authors Aditya Wardana, Aditya Adler Manurung Akbar Akbar Amalia, Wilma Anggiani , Sarfilianty Annisa Annisa Aseanty, Deasy Atmaja, Ronaldo Ayu Ekasari Azizah , Kumiko Cicilia Sriliasta Dian Hasanah Fahlevi, Raden Muhamad Rizza Fauziana, Eva Febria Nalurita Haritsman, Egi Haritsman, Egi Hariyadi, Hariyadi Hartini Hermanto Yaputra I Ketut Suyasa Kalambo, Yohanis Leon, Farah Margaretha Lestari, Henny Setyo Listiawati, Listiawati Lucy Warsindah Luki Adiati Pratomo Mahisi, Pratisyara Puspa Widitha Narindra Maulana, Tubagus Rama Mustafa, Matrodji Mustafa, Matroji Mutianingsih, Veronika Nurwanda Wardhayat, Darrel Oki Berliyanti, Dita Palguna, Arya Irawan Putra Ramdhani, Rommy Mochamad Rangi, Noah Rosadi , Barkah Rosalina, Linda Rowena, Janny RR. Ella Evrita Hestiandari Sarfilianty Anggiani, Sarfilianty Silalahi, Andri Dayarana K. Sri Rejeki Syofriza Syofyan, Syofriza Tjen, Yoel Christopher Triyani Triyani Turnip, Dedianto Turnip, Jainal Abidin Valentina Happy Vanesa Wildan Wildan Willy Arafah Winiadi, Nicky Wulan Sari, Wulan Yohanis, Yohanis Yuwono, Daniel