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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Manajemen Kesatuan
Chajar Matari Fath Mala
Universitas Pembangunan Jaya, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Social Sciences Other

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The Causality Of Liquidity And Profitability In Indonesian Banking Chajar Matari Fath Mala; Sapto Jumono; Windarko Windarko; Yusuf Iskandar
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 3 (2024): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i3.5871

Abstract

This research examines the causality between liquidity levels and profitability in Indonesia's banking sector. The study will examine bank profitability and external liquidity from 2012 to 2022, using Net Interest Margin (NIM) and Loan-to-Deposit Ratio (LDR). The econometric analysis of panel data will involve using VAR/VECM techniques. The study discovered that an increase in LDR positively impacts NIM, indicating the bank's ability to maintain liquidity flexibility in the short and long term. However, short-term LDR has a negative impact on NIM. The relationship between NIM and LDR is reciprocal, as the Variance Decomposition Model reveals that NIM has a greater impact on its fluctuations than LDR. On the other hand, LDR has a significantly greater impact compared to NIM. Monetary policymakers should consider NIM and LDR because they impact the bank's long-term strategic planning. Furthermore, there is a need for additional training on NIM and LDR analysis among workers.
Credit Risk Management via Capital Adequacy: Insights on Stability from Indonesia Regional Banks Chajar Matari Fath Mala; Sapto Jumono
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 4 (2025): JIMKES Edisi Juli 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i4.3175

Abstract

This study investigates the moderating role of Capital Adequacy Ratio on the relationship between Non-Performing Loans and core banking indicators Lerner Index, market share of loans, market share of deposits, technical efficiency, scale efficiency, and interest rate spread across two categories of Indonesian Regional Development Banks: undercapitalized (Category-1) and well-capitalized (Category-2). Using quarterly panel data from 24 Indonesian Regional Development Banks for the period 2012–2022 and estimated with Generalized Least Squares, the results show that Capital Adequacy Ratio significantly moderates the effect of Lerner Index, market share of deposits, and interest rate spread on Non-Performing Loans, strengthening risk absorption capacity in Category-2 banks. However, Capital Adequacy Ratio does not effectively mitigate risks arising from aggressive loan growth, particularly in Category-1 banks. Additionally, technical efficiency and scale efficiency reduce Non-Performing Loans only when capital buffers are adequate. These findings suggest that Capital Adequacy Ratio affects the risk–return trade-off differently across bank types, highlighting the importance of tailored regulatory frameworks and reinforcing the notion that capital adequacy must be supported by strong governance and operational efficiency to effectively manage credit risk.
Co-Authors Sapto Jumono Windarko Windarko Yusuf Iskandar