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All Journal Business Management Analysis Journal (BMAJ) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA)
Elgi, Afrizal
Unknown Affiliation
Economics, Econometrics & Finance

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Analysis The Determinants Affecting Banking Performance Karnasi, Reniati; Elgi, Afrizal
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 6 (2025): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i6.3691

Abstract

The research aims to test the effect of bank-specific and macroeconomic factors on bank performance in Indonesia. The research uses hypothetical testing to examine the determinants affecting bank performance. This study uses panel data regression to analyze the data. The samples are determined by purposive sampling method used 34 commercial banks listed on Bursa Efek Indonesia (BEI) with 238 unit-observed during the period 2017 to 2023. The results show bank size, bank capital, liquidity, and inflation rate have a positive effect on net interest margin. Furthermore, this study can be used as a reference for investors and banking management.
FACTORS AFFECT FINANCIAL DISTRESS IN CONVENTIONAL BANKING LISTED ON THE INDONESIAN STOCK EXCHANGE Muchtar, Susy; Sari, Wahyuni Rusliyana; Elgi, Afrizal; Martinistiyas, Catur Rahayu; Elgammal, Mohammed
Business Management Analysis Journal (BMAJ) Vol 8, No 2 (2025): Business Managament Analysis Journal (BMAJ)
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/bmaj.v8i2.15199

Abstract

COVID-19 and the Russian-Ukrainian conflict caused global inflationary pressure. This condition enables banks worldwide to implement a policy of increasing interest rates, which can lead to high inflation. High inflation can cause financial distress in various sectors, including banking, which is a crucial sector in the economy. This research aims to identify the factors that contribute to financial distress. The sample used in the study consisted of 35 conventional banks listed on the Indonesia Stock Exchange from 2018 to 2022, and a logistic regression analysis was employed. The results of discriminant analysis in this study indicate that banks with a high solvency ratio may face a higher probability of financial distress. In contrast, higher profitability ratios decrease the risk of financial distress. Our results can encourage regulators and policymakers to adopt policies that maintain capital adequacy and increase banking profits, thereby avoiding financial distress, especially during economic downturns. It is hoped that the results of this research will serve as a reference for conventional banks to prevent financial distress by optimizing capital management and enhancing bank profitability.
Determinants of Banking Performance for Commercial Banks on Indonesia Stock Exchange Elgi, Afrizal; Karnasi, Reniati
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2531

Abstract

This study examines the determinants of Indonesian banking performance caused by global uncertainty such as geopolitical conflicts and post-pandemic conditions. The study adopted quantitative approach and used samples by 34 commercial banks listed on Indonesia Exchange Stock period 2017 to 2023. Panel data regression used as analytical method. This study used bank size, bank capital, liquidity, credit risk, and inflation rate as independent variables. Furthermore, bank performance was measured by return on asset. The findings of this study were bank size and inflation rate positively impact on return on asset while the other variables have no relationship on bank performance. This study could be used as reference for future research and for banking management decision-making.
Co-Authors Catur Rahayu Martiningtiyas Elgammal, Mohammed Karnasi, Reniati Reniati Karnasi Susy Muchtar, Susy