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All Journal Journal of Social Research Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi)
Azura, Amelinda Fairuz
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PENGARUH FINANCIAL RISK DAN FINANCIAL LEVERAGE YANG DIMODERASI OLEH FIRM SIZE TERHADAP KINERJA KEUANGAN PERBANKAN DI INDONESIA Azura, Amelinda Fairuz; Usman, Bachtiar; Hartini, Hartini
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 3 (2024): Edisi September - Desember 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i3.4477

Abstract

Riset ini memiliki tujuan guna menganalisis Pengaruh Financial Risk dan Financial Leverage yang dimoderasi oleh firm size terhadap kinerja keuangan perbankan di Indonesia. Pada riset ini menggunakan data sekunder yang berasal dari laporan tahunan perusahaan sektor perbankan yang tercatat di Bursa Efek Indonesia (BEI) periode 2018-2022. Pemilihan sampel penelitian memanfaatkan metode purposive sampling, sehingga didapat 44 perusahaan yang hendak periset jadikan sampel. Guna menguji hipotesis, menggunakan analisis regresi berganda melalui pemanfaatan perangkat lunak Eviews 9. Hasil riset memperlihatkan bahwasanya Credit Risk, Operational Risk, dan Liquidity risk berpengaruh signfikan terhadap kinerja keuangan perbankan yang dilakukan pengukuran melalui Return on Assets. Sementara Financial Leverage terbukti tidak memengaruhi kinerja keuangan perbankan. Variabel firm size terbukti mampu memoderasi dan berpengaruh antara variabel Credit Risk, Operational Risk, dan Liquidity risk terhadap kinerja keuangan perbankan. Akan tetapi financial leverage yang dimoderasi oleh firm size memperoleh bukti tidak memengaruhi kinerja keuangan perbankan. Variabel kontrol berupa Inflasi dan Gross Domestic product pun terbukti terbukti berpengaruh terhadap kinerja keuangan perbankan.
The Effect of Credit Risk Management on Financial Performance in the Banking Industry Listed on the Indonesia Stock Exchange Azura, Amelinda Fairuz; Dewi, Pramesti Baskoro; Yuannitha, Indri Ilma; Lestari, Henny Setyo; Margaretha, Farah
Journal of Social Research Vol. 3 No. 1 (2023): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v3i1.1884

Abstract

This study aims to empirically test credit risk management on financial performance measured by return on assets and return on equity at commercial banks listed on the Indonesian stock exchange in 2020-2022. The data was collected from 44 banks and examined by applying standard descriptive statistics and the random effect model for hypothesis testing. It is concluded from the regression outcomes that only loan to deposit ratio which has not a significant impact to return on asset but only loan to deposit ratio, risk asset ratio, and size are have a significant impact to return on equity. Based on these findings, it is suggested that bank companies must watch carefully the loans’ performance and analyze thoroughly the clients’ credit history an ability to pay back their debts prior to any approval of loan applications. The researchers recommend that future studies on credit risk management influence on banks’ financial performance should consider more independent variables and longer periods of study such as twenty or thirty years to have more accuracy and generalized results.
Co-Authors Dewi, Pramesti Baskoro Hartini Leon, Farah Margaretha Lestari, Henny Setyo Usman, Bachtiar Yuannitha, Indri Ilma