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All Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Economie : Jurnal Ilmu Ekonomi
Sandy, Audia
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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DIVERSIFIKASI PENDAPATAN DAN KORUPSI TERHADAP PROFITABILITAS PERBANKAN DI NEGARA ASEAN TAHUN 2010-2021 Sandy, Audia; Wasiaturrahma, Wasiaturrahma
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 2 (2024): Edisi Mei - Agustus 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i2.4228

Abstract

The ASIAN financial crisis that occurred had an impact on the banking sector in ASEAN countries, thus encouraging the banking sector to create innovations, modify strategies and follow technological developments in order to have a competitive advantage and be able to compete with other banks. Banks diversify their income to avoid risks and increase revenue. However, diversification can be affected by high corruption in a country. The purpose of this study is to determine the impact of revenue diversification and corruption on the acquisition of profitability levels in banks. This research is a quantitative study using dynamic panel data estimated with the Sys-GMM One-Step. The results of this study indicate that revenue diversification, gross domestic product and inflation have a positive and significant effect on banking profitability in ASEAN 6. Whereas the corruption variable has a negative and significant effect on banking profitability on the ROA side and does not effect on the ROE side. Meanwhile, the corruption control variable does not significantly effect on banking profitability in ASEAN 6. Keywords: revenue diversification, corruption, banking profitability
Determinasi Non-Performing Loans Pada Perbankan ASEAN-10: Analisis Pengaruh Variabel Makroekonomi sandy, audia
Economie: Jurnal Ilmu Ekonomi Vol. 8 No. 1 (2026): January
Publisher : Faculty of Economic an Business Wijaya Kusuma Surabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30742/economie.v8i1.5432

Abstract

Banking sector stability plays an important role in maintaining the resilience of a country’s financial system. One of the key indicators reflecting bank asset quality is the Non-Performing Loans (NPL) ratio. A high level of NPL may increase credit risk and potentially threaten financial stability. This study aims to examine the effect of macroeconomic factors, namely Gross Domestic Product (GDP), inflation, and unemployment, on Non-Performing Loans in the banking sector across ASEAN countries. The study employs a quantitative approach using secondary data obtained from the World Bank covering the period 2014–2023. The analysis method applied is dynamic panel data estiomation using the Generalized Method of Moments to address potential endogeneity and capture dynamic effects in the model. The results indicate that Gross Domestic Product has a negative and significant effect on Non-Performing Loans, suggesting that higher economic growth can reduce the level of non-performing loans in the banking sector. Meanwhile, inflation and unemployment do not have a significant impact on Non-Performing Loans. These findings highlight the importance of maintaining economic stability and sustainable growth to support banking sector performance and minimize credit risk.
Co-Authors Wasiaturrahma