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All Journal Journal The Winners JAM : Jurnal Aplikasi Manajemen
Tanjung, Miranda
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Decision Sciences, Operations Research & Management Social Sciences

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The Comparative Performance of Sharia and Conventional Banks during the Pandemic: Analysis of Indonesian Banks Tanjung, Miranda; Varianto, Gustino
Jurnal Aplikasi Manajemen Vol. 22 No. 1 (2024)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2024.022.01.11

Abstract

The banking industry serves a crucial role in the economy. Unpredictable conditions, such as the COVID-19 outbreak, have had a widespread effect on global health and banking. The study examines the performance differences between conventional and Sharia banks in the pre-pandemic and during the pandemic. In addition, the study also assesses whether conventional banks are more resilient during times of crisis compared to Sharia banks or vice versa. This quantitative study uses a paired sample T-test as the research method. Secondary data from Indonesian Banking Statistics were used in this study. Data was collected two years before the COVID-19 pandemic (2018-2019) and during the COVID-19 pandemic (2020-2021). Regarding ROA and NPL, the results show that Sharia banks did better than conventional banks during the crisis. Conventional banks suffered a deteriorating CAR and NIM during 2020-2021. Even though this study shows that the financial performance ratios of both types of banks go up and down in different ways, the overall financial performance ratios are still within the limits set by Bank Indonesia. This study supports the central bank and financial service authority's strategy and measures in sustaining the financial service industry during a troubled time like the pandemic in 2020-2021 based on these notions. In conclusion, we emphasize the importance of bank management exercising greater caution in allocating funds to corporations and effectively monitoring their debtors to mitigate the risk of a rising non-performing loan ratio.
The Psychology of BNPL Repayment Procrastination: Behavioral Insights on Present Bias and Financial Motivation Lie, Marisa; Sahda Putra, Bani; Sammuel Sulu, Jimmy; Tanjung, Miranda
Journal The Winners 2025: Article in Press
Publisher : Bina Nusantara University

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Abstract

This study aims to examine BNPL repayment procrastination through the lens of Temporal Motivation Theory (TMT), particularly focusing on three key components, namely present bias, value, and delay (installment period). To achieve the study aim, survey data were collected from 134 active BNPL users in Indonesia and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The obtained results showed that present bias significantly increased BNPL repayment procrastination, while perceived value (reward) did not directly reduce it. Furthermore, delay (installment period) was found to positively contribute to procrastination but did not moderate the relationship between present bias and procrastination. The insignificant moderating effects of value and delay suggest that long-term BNPL users may not prioritize rewards when postponing repayments. The results also show that financially stable users with fixed incomes and short-term installment preferences have less tendency to procrastinate, while those with high outstanding balances or longer installment plans face greater risks. This study extends the application of TMT in a fintech context and provides practical insights for improving BNPL risk assessments, designing repayment schemes, and promoting financial literacy. As a recommendation, future investigation should explore factors such as self-control, financial literacy, and perceived financial stress to gain deeper insights into BNPL repayment behavior across diverse consumer segments.
Co-Authors Lie, Marisa Sahda Putra, Bani Sammuel Sulu, Jimmy Varianto, Gustino