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All Journal Proceeding National Conference Business, Management, and Accounting (NCBMA) Proceeding of International Conference on Entrepreneurship (IConEnt)
Vina Nugroho
Universitas Pelita Harapan
Economics, Econometrics & Finance Social Sciences

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ANALISIS PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS, DAN MODAL TERHADAP PROFITABILITAS BANK Affifa Annabila; Vina Nugroho
Proceeding National Conference Business, Management, and Accounting (NCBMA) 6th National Conference Business, Management, and Accounting
Publisher : Faculty of Economics and Business Universitas Pelita Harapan

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Abstract

Sektor perekenomian Indonesia masih sangat bergantung pada industri Perbankan. Perbankan sendiri juga dituntut untuk mampu menghasilkan profitabilitas yang tinggi dengan tetap menjaga likuitas dan risiko demi kestabilan bank. Penelitian ini dilakukan untuk melihat risiko kredit, risiko likuiditas dan modal bank terhadap profitabilitas bank, dengan mencari bukti empiris apakah risiko kredit, risiko likuiditas dan modal dapat mempengaruhi profitabilitas bank di Indonesia secara signifikan. Penelitian ini juga menggunakan tiga benchmark profitabilitas (ROA, ROE, dan NIM) bank sebagai dependen variabel untuk mengetahui apakah menunjukan hasil yang sama dengan menggunakan tiga benchmark profitabilitas yang berbeda. Sample penelitian ini menggunakan 23 commercial banks di Indonesia pada periode 2011-2021. Hasil dari peneltian ini menunjukan bahwa risiko kredit berpengaruh signifikan negative terhadap profitibalitas Bank.
Banking Competition On Investment Efficiency of Non Financial Companies in Indonesia Ferris Hosema Putra; Vina Nugroho
Proceedings of the International Conference on Entrepreneurship (IConEnt) Vol. 5 (2025): Proceedings of the 5th International Conference on Entrepreneurship (IConEnt)
Publisher : Universitas Pelita Harapan

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The structure of the banking market influences corporate investment efficiency through credit allocation, where the level of banking competition determines the quality of credit screening and capital allocation. This study aims to examine the impact of banking competition on the investment efficiency of non-financial firms listed on the Indonesia Stock Exchange during the 2013–2023 period. The banking market structure is measured using three key indicators: Top 3 Bank Assets (TOP), the Herfindahl-Hirschman Index (HHI), and the Lerner Index. Data is processed using the Generalized Method of Moments (GMM) with a two-step system estimation and robust standard errors. Additionally, diagnostic tests (AR(1), AR(2), Sargan-Hansen) and robustness checks were conducted by removing dummy control variables. The results show that the TOP and HHI indicators have significantly negative coefficients on investment efficiency, indicating that a more concentrated banking market leads to more efficient corporate investment allocation. Although the Lerner Index also shows a negative coefficient, its influence is relatively weak in supporting the alternative hypothesis. These findings suggest that a more centralized banking structure can enhance credit monitoring mechanisms and improve investment efficiency in Indonesia.
Co-Authors Affifa Annabila Ferris Hosema Putra