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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Pengabdian West Science
Fath Mala, Chajar Matari
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences

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The Role of Loan Loss Provisions in Competition Toward Bank Stability Fath Mala, Chajar Matari
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2661

Abstract

This study investigates how competition and loan loss provisions (LLP) affect stability by including the variable of LLP as a moderating factor introduced as a new variable in the research framework. This study used panel data from 2012 to 2021 from Indonesia's largest banks by assets. This study will analyze competitiveness, loan loss provision, and stability using moderated regression. This study determined long-term and short-term results using VAR/VECM. At the short-term level, competition did not significantly affect stability, while stability had a more significant effect on competition. However, increased competition seems to improve banking stability in the long run. The role of allowance of impairment losses varies depending on the period, with its negative impact on stability in the short-term. This study uses loan loss provision (LLP) as a moderating variable to examine the extent to which competition enhances stability. Internal banking policies must strengthen understanding of the impact of loan loss provisions and ensure effective risk management practices. In addition, banks must consider long-term strategies in managing competition by maintaining a balance between healthy competition and sound risk management to achieve long-term stability.
Pengenalan Konsep Kewirausahaan Sosial pada Komunitas Lokal Pegiat UMKM di Kabupaten Sukabumi Iskandar, Yusuf; Windarko, Windarko; Fath Mala, Chajar Matari; Lastro, Djano
Jurnal Pengabdian West Science Vol 3 No 01 (2024): Jurnal Pengabdian West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jpws.v3i01.902

Abstract

Penelitian ini memperkenalkan konsep kewirausahaan sosial kepada para pegiat Usaha Mikro, Kecil, dan Menengah (UMKM) di Kabupaten Sukabumi, Indonesia, melalui sebuah inisiatif pengabdian masyarakat yang ditargetkan. Penelitian ini menggunakan pendekatan metode kualitatif untuk mengeksplorasi persepsi peserta, tantangan yang dihadapi oleh UMKM, dan potensi manfaat dari pengintegrasian prinsip-prinsip kewirausahaan sosial. Temuan kualitatif mengungkapkan beragam pemahaman tentang kewirausahaan sosial, kendala sumber daya, dan manfaat yang dirasakan dari peningkatan reputasi merek dan akses ke peluang pendanaan.
Co-Authors Lastro, Djano Windarko Windarko Yusuf Iskandar