Article Per Year (5 Year)
p-Index From 2020 - 2025
0.751
P-Index
This Author published in this journals
All Journal JBMR: Journal of Business and Management Review International Journal of Economics, Accounting, and Management
Muizzuddin
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
The Effect of Business Cycle, Income Diversification, and Financial Ratios on Bank Risk in the ASEAN Region Ridho Sahputra, Muhammad; Adam , Mohamad; Muizzuddin; Isnurhadi
Journal of Business and Management Review Vol. 5 No. 6 (2024): (Issue-June)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr.v5i6.990

Abstract

Research Aims: This research aims to analyze the influence of the business cycle, income diversification, and financial ratios as proxied by profitability and liquidity on the level of banking risk adjustment in ASEAN in the 2020-2022 period. Design/methodology/approach: The research used a sample of 93 banks in the ASEAN region. Sample selection applied purposive sampling techniques based on certain criteria in the Philippines, Indonesia, Malaysia, Singapore, Thailand and Vietnam. The estimation technique used is the Ordinary Least Square method on panel data to analyze the model being built. Research Findings: Research shows that the relationship between the business cycle and bank risk is negative. This means that when the economy is in a contraction phase, bank risk will decrease and vice versa. Then, banks that diversify their income can reduce bank risk. On the other hand, the influence of profitability and liquidity has a negative effect, meaning that a high level of income accompanied by liquid bank assets has the potential to reduce the level of bank risk. Apart from that, there are several other aspects that banks need to pay attention to in anticipating emerging risks, including previous year's credit risk, business size, loan loss reserves, asset growth and financial freedom. Theoretical Contribution/Originality: The originality of the research lies in its comprehensive approach to analyzing the impact of business cycles, income diversification, and financial ratios on bank risk in the ASEAN region. The study's methodology, variables, and empirical evidence all contribute to its originality and relevance to the existing literature Keywords: Revenue Diversification, Liquidity, Profitability, Bank Risk, Business Cycle
The Influence of Sharia Corporate Governance on Financial Performance of Islamic Commercial Banks in Indonesia Melida Sari; Isni Andriana; Muizzuddin
International Journal of Economics Accounting and Management Vol. 2 No. 4 (2025): IJEAM - November 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v2i4.1638

Abstract

This study aims to analyze and test the influence of Sharia Corporate Governance (SCG) on the financial performance of Islamic commercial banks in Indonesia during the 2020-2024 period. The SCG principles in this study consist of transparency, accountability, responsibility, independence, fairness, and the role of the Sharia Supervisory Board (SSB). This study uses a quantitative method with a content analysis approach to the annual reports of Islamic commercial banks registered with the Financial Services Authority (OJK). The study population includes all Islamic commercial banks in Indonesia, with a purposive sampling technique, resulting in 13 Islamic banks as observation samples. Data were analyzed using multiple linear regression to test the influence of each SCG variable on financial performance, proxied by Return on Assets (ROA). The results showed that the SCG variables simultaneously had a significant effect on the financial performance of Islamic commercial banks. Partially, the SCG variables proxied by transparency, accountability, independence, and fairness had a significant effect on financial performance, while the SCG variables proxied by responsibility and SSB did not have a significant effect on financial performance. These results indicate that the effective implementation of SCG principles is able to increase legitimacy and public trust, which ultimately has an impact on improving the financial performance of Islamic commercial banks in Indonesia
The Influence of Financial Knowledge Management and Members' Investment Behavior on the Performance of the Cahaya Cooperative, UPT PLN (Persero) South Sumatra Inayah Mutiara Beffilia; Isni Andriana; Muizzuddin
International Journal of Economics Accounting and Management Vol. 2 No. 4 (2025): IJEAM - November 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v2i4.1656

Abstract

This study aims to analyze the role of Financial Knowledge Management (KMK) on Cooperative Performance (KK), with Member Investment Behavior (PIA) as a mediating variable, using a quantitative approach on 80 active members of Cahaya Cooperative UPT Palembang. The results of the instrument validity and reliability tests showed very good consistency (ɑ 0.82). Regression analysis proved that KMK had a significant positive effect on PIA (ꟓ=0.611; R^2=0.520), PIA had a significant positive effect on KK (ꟓ=0.580; R^2=0.490), and KMK also had a significant positive direct effect on KK (ꟓ=0.552). The key finding is that PIA is proven to partially mediate the effect of KMK on KK, which confirms that KMK not only improves performance directly, but also through increasing member investment participation. Theoretically, these results are consistent with Resource-Based Theory (RBT), which positions Financial Knowledge Management as a strategic resource that creates capabilities (member investment behavior) to produce sustainable cooperative performance excellence.
The Influence of Good Corporate Governance, Risk Management, and Company Size on Financial Performance in the Banking Sector Listed on the Indonesia Stock Exchange Siti Meirini Dwi Ningsih; Muizzuddin; Kemas Muhammad Husni Thamrin
International Journal of Economics Accounting and Management Vol. 2 No. 4 (2025): IJEAM - November 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v2i4.1693

Abstract

This study aims to analyze the partial and simultaneous influence of Good Corporate Governance (GCG), Risk Management, and Company Size on Financial Performance (Return on Assets/ROA) in 47 banking companies listed on the Indonesia Stock Exchange (IDX) for the 2022-2024 period. The main issue is the inconsistency of banks' financial performance amidst the challenges of digitalization and rampant governance cases, which reinforces the urgency of implementing effective GCG and risk management. The method used is Panel Data Regression analysis with a Random Effects model, which meets the classical assumptions (Normality, Multicollinearity, Autocorrelation, and Heteroscedasticity). The F-test results indicate that GCG, Risk Management, and Company Size simultaneously have a significant effect on Financial Performance with an R2 value of 33.26%. Partially, the variables Independent Commissioners, Audit Committee, Non-Performing Loans (NPL), BOPO, and Company Size were found to have a significant effect on ROA. Meanwhile, Institutional Ownership, Managerial Ownership, and Net Interest Margin (NIM) did not have a significant impact. The conclusion confirms that strengthening GCG mechanisms (Independent Commissioners and Audit Committees), credit risk control (NPL), operational efficiency (BOPO), and utilizing economies of scale (Company Size) are key factors in increasing bank profitability in Indonesia.
Co-Authors Adam , Mohamad Andriana, Isni Inayah Mutiara Beffilia Isnurhadi Kemas Muhammad Husni Thamrin Melida Sari Ridho Sahputra, Muhammad Siti Meirini Dwi Ningsih