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All Journal International Journal of Humanities Education and Social Sciences Jurnal Ilmiah Multidisiplin (JUKIM) Media Ekonomi
Dendy Mohammad Prabowo
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Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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The Impact Of Credit Risk On The Financial Performance Of Banks In Indonesia Listed On The Indonesian Stock Exchange For The Period 2018 - 2022 Dendy Mohammad Prabowo; Richy Wijaya
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 3 No 6 (2024): IJHESS JUNE 2024
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55227/ijhess.v3i6.1110

Abstract

Banking activities collect funds from customers and distribute credit to customers in the form of loans that are added with interest for the bank's opinion. Lending activities provided by banks have risks that must be mitigated to avoid large losses and adversely affect the bank's financial performance. This study used panel data regression method with sample of 35 Indonesian Banks listed on the Indonesia Stock Exchange with the period 2018 - 2022. Referring to the main research, bank financial performance is measured by return on assets and net interest margin, while bank risk is measured by the variables non-performing loans, capital adequacy ratio, loan loss provision ratio, and cost per loan ratio, this study also added new control variables, such as bank size and leverage. The results of this study found that there is an impact between NPL with ROA, LLPR with ROA, CAR with NIM, and CPLR with NIM. While there is no impact of CAR with ROA, CPLR with ROA, NPL with NIM, and LLPR with NIM.
THE IMPACT OF SPECIFIC BANK ON THE FINANCIAL PERFORMANCE OF BANKING COMPANIES IN INDONESIA Wijaya, Richy; Mohammad Prabowo, Dendy
Jurnal Ilmiah Multidisiplin Vol. 3 No. 03 (2024): Mei: Jurnal Ilmiah Multidisiplin
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jukim.v3i03.1276

Abstract

Kegiatan perbankan melibatkan pengumpulan dana dari pelanggan dan mendistribusikannya kembali dalam bentuk pinjaman dengan bunga tambahan sebagai pendapatan bank. Segala bentuk kegiatan perbankan membawa risiko yang harus dimitigasi untuk menghindari kerugian dan dampak yang signifikan terhadap kinerja keuangan bank. Dalam penelitian ini, salah satu risiko bank yang diteliti adalah risiko kredit, yang mempengaruhi kinerja keuangan bank. Penelitian ini merupakan penelitian kuantitatif yang menerapkan analisis regresi data panel untuk melihat pengaruh manajemen risiko kredit terhadap kinerja keuangan Hasil penelitian ini menunjukkan bahwa tidak ada pengaruh terkait kedua variabel Independen (NPL dan LDR) terhadap variabel Dependen. Namun, hasilnya berbeda dengan variabel CAR, yang berdampak negatif pada ROA. Berdasarkan analisis yang dilakukan, penelitian terhadap 30 perusahaan perbankan konvensional yang terdaftar di Bursa Efek Indonesia selama periode 5 tahun (2018-2022) menyimpulkan bahwa variabel independen yang terdiri dari Non Performing Loan, Capital Adequacy Ratio, dan Loan Deposit Ratio tidak mempengaruhi variabel dependen, yaitu Return on Asset.
KARAKTERISTIK BANK DAN KONDISI MAKROEKONOMI TERHADAP PROFITABILITAS PERBANKAN INDONESIA Dendy Mohammad Prabowo; Wijaya, Richy; Efi Riana Sari
Media Ekonomi Vol. 32 No. 2 (2024): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v32i2.23914

Abstract

This research investigate bank-specific factors and macroeconomic indicators affect the profitability of Indonesian banks listed on the Indonesia Stock Exchange during 2019–2023. Specifically, it evaluates the effects of Capital Adequacy Ratio (CAR), Asset Management, Bank Branches, Deposits, Non-Performing Loan (NPL), and Inflation on Return on Assets (ROA), identifying which variables significantly enhance or diminish bank profitability. A quantitative, causal-comparative research design is employed using panel data regression. The sample consists of 33 banks observed over five years (2019–2023), forming a balanced panel dataset. Bank-specific factors include CAR, Asset Management, Bank Branches, Deposits, and NPL, while Inflation represents the macroeconomic factor. The results reveal that CAR, Asset Management, Bank Branches, and NPL significantly affect bank profitability. Conversely, Deposits and Inflation have an insignificant relationship with ROA. Theoretically, these findings reinforce the relevance of resource-based and efficiency theories in explaining bank performance. Practically, they suggest that banks should prioritize capital strength, optimize asset utilization, and control credit risk, rather than relying solely on deposit growth, to sustain profitability. Regulators can also apply these insights to design supervisory policies that strengthen resilience and operational efficiency.
Co-Authors Efi Riana Sari Richy Wijaya