Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Journal of Business, Social and Technology JIFA (Journal of Islamic Finance and Accounting)
Wisnu Mawardi
Faculty of Economics and Business, Diponegoro University
Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
ANALYSIS OF THE INFLUENCE OF LIQUIDITY, NON-PERFORMING LOANS, CAPITAL, AND TOTAL ASSETS OF BANK ON BANK PROFITABILITY BEFORE AND DURING THE COVID-19 PANDEMIC Darwisman Darwisman; Wisnu Mawardi
Journal of Business Social and Technology Vol. 4 No. 2 (2023): Article In Press: 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.v4i2.152

Abstract

The spread of the corona virus has had a negative impact on commercial banks in the form of reduced profitability, increased credit risk, and inefficiencies. Amid these conditions, Regional Development Banks (BPD) tend to show better profitability performance compared to private banks and commercial banks as a whole. This study aims to investigate the factors that affect BPD profitability during normal times and during the Covid-19 pandemic crisis. This study used the panel data regression analysis method of the fixed-effects model and as a support for the two sample t-test analysis. The results showed that the profitability performance of BPD as measured by the ROA variable was negatively affected by the NPL and total assets variables and positively by liquidity with the LDR proxy in normal times. The Covid-19 pandemic in general has had an impact on BPD profitability. Furthermore, the NPL and NIM variables still significantly affect the BPD ROA ratio during the Covid-19 pandemic crisis. Liquidity tends not to have a significant effect on BPD profitability during the Covid-19 pandemic and capital with a CAR proxy does not have a significant effect on BPD profitability both during normal times and during the Covid-19 pandemic
Unraveling credit risk determinants: Empirical evidence from Indonesian Regional Development Banks Tias Retnani; Wisnu Mawardi
JIFA (Journal of Islamic Finance and Accounting) Vol. 8 No. 2 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jifa.v8i2.12512

Abstract

This study examines the determinants of credit risk, proxied by non-performing loans (NPLs), in Regional Development Banks (RDBs) in Indonesia over the period 2017–2022, covering 480 observations. Using panel regression analysis and robustness tests based on regional classifications and pre- and during-pandemic periods, the findings reveal that capital adequacy (CAR), profitability (ROA), income diversification (PSB), and bank size significantly contribute to reducing credit risk. However, the effectiveness of these factors is contingent upon external conditions and regional characteristics. During the COVID-19 pandemic, only capital adequacy and bank size remained robust in mitigating credit risk, while the effects of profitability and income diversification weakened. Furthermore, the results indicate heterogeneity in credit risk behavior between BPDs operating in Java and those outside Java, suggesting the importance of region-specific dynamics. This study contributes to the literature by providing evidence from an emerging market context and highlighting the conditional role of internal bank factors under varying economic conditions. The findings imply that strengthening capital buffers and enhancing operational efficiency should be prioritized in credit risk management, alongside the development of more adaptive and context-sensitive risk management frameworks.
Co-Authors Darwisman Darwisman Tias Retnani