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All Journal EKSPANSI Journal of Trends Economics and Accounting Research
Dewi Sri Maulydia
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Economics, Econometrics & Finance

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ANALISIS DAMPAK KREDIT MACET DAN PENYALURAN KREDIT TERHADAP PROFITABILITAS BANK PERSERO Dewi Sri Maulydia; Setiawati, Ririt Iriani Sri
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol. 16 No. 2 (2024)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v16i2.6004

Abstract

Conventional banking including Persero Bank has its main income from interest on loans distributed to the public. The purpose of this study is to prove the impact between credit congestion and credit distribution with profitability at Persero Bank in the 2013-2023 period. The source of the data for this research are from Financial Service Authority and annual financial reports of each bank. This research uses multiple linear regression as an analysis method. The result of this research prove that partially credit congestion has a negative and significant impact on profitability of Persero Bank. Meanwhile credit distribution partially hasn’t impact on profitability of Persero Bank. Simultaneously, credit congestion and credit distribution have an impact on profitability of Persero Bank.
Pengaruh Pembayaran Digital terhadap Pertumbuhan Ekonomi Indonesia: Analisis Moderasi Tingkat Pengangguran dan Inflasi Arief Bachtiar; Dewi Sri Maulydia; Fajar Ramadhan; Rehan Isnan Purwandika
Journal of Trends Economics and Accounting Research Vol 5 No 2 (2024): Desember 2024
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v5i2.1779

Abstract

This research aims to analyze the effect of non-cash payments and money supply on economic growth in Indonesia, considering unemployment and inflation as moderating variables. The data used in this research is in the form of semesterly data for the period 2009-2023, sourced from data presented by Bank Indonesia and BPS. This research used a quantitative approach with Moderated Regression Analysis (MRA) method which was analyzed using Eviews software. The result of this research suggest that non-cash payment has a Prob. of 0.003 (<0.05) and with positive coefficient of 1.390, and money supply has a Prob. of 0.000 (<0.05) with positive coefficient of 0.160. However, unemployment rate has a Prob. of 0.588 (>0.05), and inflation has a Prob. of 0.521 (>0.05). Furthermore, the interaction result between non-cash payment and unemployment rate has a Prob. of 0.032 (<0.05) with a negative coefficient of -0.134, and the interaction result between money supply and inflation has a Prob. of 0.302 (>0.05). Thus, it is obtained that non-cash payments and money supply has a significant positive effect on economic growth. Meanwhile, the unemployment rate and inflation directly has no significant effect on economic growth. Moreover, in the moderation analysis, the unemployment rate can moderate the effect of non-cash payments on economic growth. Conversely, inflation cannot moderate the effect of money supply on economic growth.
Co-Authors Arief Bachtiar Fajar Ramadhan Rehan Isnan Purwandika Ririt Iriani Sri Setiawati