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All Journal AFRE Accounting Financial Review MANAJEMEN DEWANTARA
Irwan Trinugroho
Department of Management, Faculty of Economics and Business, Universitas Sebelas Maret
Economics, Econometrics & Finance

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FINTECH LENDING DEVELOPMENT, RURAL BANK PERFORMANCE, AND COLLABORATION POTENTIAL: RURAL BANKS PERSPECTIVE Nofa Hermawati; Irwan Trinugroho
MANAJEMEN DEWANTARA Vol 8 No 1 (2024): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v8i1.15984

Abstract

The rapid development of information technology has brought the presence of fintech to the financial industry, which in turn has had a disruptive effect on banks that still run the business in traditional way, especially the rural banks that have a similar market share and relatively smaller resources. This study aims to examine the impact of fintech lending development on the rural bank performance and the potential for collaboration between fintech companies and rural banks in the Greater Solo Region based on rural banks’ perspective. The research uses primary data obtained from questionnaire survey that are analyzed by using an in-depth descriptive statistics and multiple linear regression analysis. The study discovers that the development of fintech lending in the Greater Solo area is considerably not really significant according to the rural banks’ perceptions. Furthermore, this research finds that the development of fintech lending has a negative effect on rural bank performance and a positive effect on the potential for collaboration between fintech companies and rural banks. This research contributes to providing recommendations for fintech companies and rural banks in building partnerships and for regulators in overseeing such collaborations to increase financial inclusion in Indonesia as a whole.
Diversity, inclusion, and bank performance: Evidence from ASEAN 5 and Vietnam Fadli Septianto; Irwan Trinugroho; Putra Pamungkas
AFRE (Accounting and Financial Review) Vol. 9 No. 1 (2026): March 2026
Publisher : Postgraduate Program Merdeka University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/afr.v9i1.16806

Abstract

This study aims to examine how diversity and inclusion (D&I) affect bank performance in the ASEAN-5 countries and Vietnam. It uses an unbalanced panel dataset of 50 banks across six ASEAN countries from 2012 to 2023. Diversity and inclusion serve as the main independent variable, while return on assets (ROA) and return on equity (ROE) are used as dependent variables. The data are analyzed using a fixed-effects model, with robustness checks conducted using the generalized method of moments (GMM). The findings indicate that inclusion initiatives, as reflected in the inclusion score, are negatively associated with both ROA and ROE. Similarly, the composite measure of diversity and inclusion also shows a negative relationship with bank performance. This study makes three main contributions. First, it provides sector-specific empirical evidence on the relationship between diversity, inclusion, and performance in the banking industry, an area that has received limited attention in prior research. Second, it distinguishes between the effects of diversity and inclusion as separate dimensions. Third, it offers context-specific insights from ASEAN, highlighting how cultural and institutional factors may influence the effectiveness of diversity and inclusion practices.
Co-Authors Fadli Septianto Nofa Hermawati Putra Pamungkas