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All Journal Journal of Business, Social and Technology Equivalent: Jurnal Ilmiah Sosial Teknik e-Jurnal Apresiasi Ekonomi
Wisnu Mawardi
Diponegoro University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Analysis of the Effect of Credit Risk and Market Risk on Banking Capital Satisfaction during the Covid-19 Pandemic (Case Study on Commercial Banks In Indonesia) Saezar Alamaint; Wisnu Mawardi
Journal of Business Social and Technology Vol. 4 No. 2 (2023): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v4i2.149

Abstract

The COVID-19 pandemic has posed significant challenges to the financial stability of banking institutions around the world. This research seeks to conduct an empirical study to determine the effect of credit risk and market risk on capital security. This study aims to examine (1) the effect of Credit Restructuring,Non-Performing Loans (NPL), Net Interest (NIM) on Capital Adequacy Ratio (CAR) (2) the effect of NPL, NIM on Return On Assets (ROA) (3) the effect of ROA on CAR and (4) the effect of NIM, NPL to CAR with ROA as the intervening variable. The sample for this research is commercial banks registered with OJK in 2020 that meet the research criteria. The method of analysis in this study is path analysis which is the development of multiple and bivariate regression analysis. The research results show thatCredit restructuring has a negative and insignificant effect, NPL has a negative and insignificant effect on CAR, NIM has a positive and not significant effect on CAR, NPL has a negative and significant effect on ROA, NIM has a positive and significant effect on ROA, ROA has a negative and significant effect on CAR, NPL has a direct influence on CAR through ROA, NIM has no effect on CAR through ROA.
The Influence Of NPF, Bopo, Current Ratio and Gearing Ratio On Financing Company Performance (Comparation Study Of Financing Companies In Indonesia Before and During The Covid-19 Period) Rizky Muhammad Harris; Wisnu Mawardi
Equivalent: Jurnal Ilmiah Sosial Teknik Vol. 5 No. 2 (2023): Equivalent: Jurnal Ilmiah Sosial Teknik
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jequi.v5i2.144

Abstract

This research aims to compare the effect of Non Performing Financing (NPF), Operating Expense to Operating Income (BOPO), Current Ratio, and Gearing Ratio of financing companies in Indonesia on profitability performance as represented by the variable Return on Assets (ROA) in pre-COVID-19 and during COVID-19 times. This type of research is quantitative research using time series data with the period before the spread of COVID-19 was for the period September 2018 to February 2020 and the period during the spread of COVID-19 was March 2020 to August 2021. The data source used is based on monthly reports submitted by financing company in Indonesia to the Financial Services Authority. The analysis used in this research is multiple linear regression and the Chow test. The classical assumption test on the data used has been carried out including the normality test, multicollinearity test, autocorrelation test, and heteroscedasticity test before carrying out the multiple linear regression test. The research results obtained were that before the COVID-19 pandemic NPF had no effect on ROA, BOPO had a negative and significant effect on ROA, Current Ratio had no effect on ROA, and Gearing Ratio had no effect on ROA. While during the COVID-19 pandemic it was known that NPF had no effect on ROA, BOPO had no effect on ROA, Current Ratio had no effect on ROA, and Gearing Ratio had a positive and significant effect on ROA. The results of the Chow test showed that there were differences in the effect of NPF, BOPO, Current Ratio, and Gearing Ratio on the ROA of financing companies in Indonesia before COVID-19 and during the COVID-19 period.
FACTORS AFFECTING WILLINGNESS TO LENDFINTECH BASED ON PEER TO PEER LENDING WITH THE LEVEL OF PLATFORM TRUST AS AN INTERVENING VARIABLE Arief Rachman; Wisnu Mawardi
Jurnal Apresiasi Ekonomi Vol 12, No 3 (2024)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v12i3.745

Abstract

Fintech P2P Lending was introduced in Indonesia in 2015 and along with technological advances, the P2P Lending industry experienced rapid development. This P2P Lending service connects lenders with borrowers to agree on lending and borrowing transactions. The aim of this research is to analyze the factors that influence the willingness to lend to fintech based on peer to peer lending with the level of trust in the platform as an intervening variable.The population from data collected from the Financial Services Authority Statistics is 158,366 bank accounts. Determining the sample using the Slovin technique, from the calculation results it was obtained that there were 99 rounded up to 100 samples who had been lenders from P2P lending platforms. The research results show that regulatory protection has a positive (0.265) and significant (0.001 < 0.05) effect on trust in the platform. Security guarant ees have a positive (0.584) and significant (0.000 < 0.05) effect on trust in the platform. Regulatory protection has a positive (0.203) and significant (0.030 < 0.05) effect on willingness to lend. Security guarantees have a positive (0.256) and significant (0.039< 0.05) effect on willingness to lend. Trust in the platform has a positive (0.388) and significant (0.004< 0.05) effect on willingness to lend. Regulatory protection has a significant effect (0.040< 0.05) on willingness to lend mediated by trust in the platform. Security guarantees have a significant effect (0.008< 0.05) on willingness to lend mediated by trust in the platform.Keywords: Regulatory Protection, Security Guarantee, Platform Trust, Willingness To Lend
Analysis of the Effect of Credit Risk and Market Risk on Banking Capital Satisfaction during the Covid-19 Pandemic (Case Study on Commercial Banks In Indonesia) Saezar Alamaint; Wisnu Mawardi
Journal of Business, Social and Technology Vol. 4 No. 2 (2023): Journal of Business, Social and Technology
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jbt.v4i2.149

Abstract

The COVID-19 pandemic has posed significant challenges to the financial stability of banking institutions around the world. This research seeks to conduct an empirical study to determine the effect of credit risk and market risk on capital security. This study aims to examine (1) the effect of Credit Restructuring,Non-Performing Loans (NPL), Net Interest (NIM) on Capital Adequacy Ratio (CAR) (2) the effect of NPL, NIM on Return On Assets (ROA) (3) the effect of ROA on CAR and (4) the effect of NIM, NPL to CAR with ROA as the intervening variable. The sample for this research is commercial banks registered with OJK in 2020 that meet the research criteria. The method of analysis in this study is path analysis which is the development of multiple and bivariate regression analysis. The research results show thatCredit restructuring has a negative and insignificant effect, NPL has a negative and insignificant effect on CAR, NIM has a positive and not significant effect on CAR, NPL has a negative and significant effect on ROA, NIM has a positive and significant effect on ROA, ROA has a negative and significant effect on CAR, NPL has a direct influence on CAR through ROA, NIM has no effect on CAR through ROA.
Co-Authors Arief Rachman Rizky Muhammad Harris Saezar Alamaint