Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Golden Ratio of Mapping Idea and Literature Format Khazanah Journal: Economics, Muamalah dan Entrepreneurship
Ar, Dhita Pratiwi
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Library & Information Science Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Non Performing Loan Resolution Strategies and Impact on Financial Performance Baharuddin, Ceskakusumadewi; Liutfi, Anugrah; Ar, Dhita Pratiwi; Rizal, Muhammad; Sasmita, Halida
Golden Ratio of Mapping Idea and Literature Format Vol. 5 No. 2 (2025): February - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v5i2.1494

Abstract

This study investigates the relationship between non-performing loan (NPL) resolution strategies and financial performance among commercial banks in Indonesia. As NPLs remain a persistent threat to banking sector stability, especially in post-pandemic recovery phases, the research aims to assess how various resolution mechanisms namely restructuring, write-offs, asset sales to asset management companies (AMCs), and digital early-warning systems impact key financial indicators such as return on assets (ROA), return on equity (ROE), net interest margin (NIM), and capital adequacy ratio (CAR). Employing a quantitative descriptive design, this study draws on secondary panel data from 35 Indonesian commercial banks over the 2020–2024 period, incorporating bank-level financial reports, regulatory disclosures, and macroeconomic indicators. Multiple regression analysis is used to evaluate the effect of each resolution strategy on financial performance metrics. The findings indicate that proactive loan restructuring has a significant positive effect on ROA and NIM, while asset sales to external AMCs are associated with notable improvements in CAR due to risk-weight reductions. Moreover, banks with aggressive provisioning policies experience enhanced ROE when combined with effective loss recognition. The implementation of AI-based early-warning systems significantly mediates the impact of restructuring on profitability by reducing re-default rates. These results suggest that an integrated resolution approach combining traditional financial tactics with digital risk-management innovations optimizes both short-term profitability and long-term solvency. The study contributes to strategic financial management literature and provides actionable insights for regulators aiming to strengthen bank resilience in emerging markets.
PENGARUH GAYA KEPEMIMPINAN DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN PADA PT. BANK SULSELBAR CABANG UTAMA MAKASSAR Megawaty, Megawaty; Nurdin, Maryam; Ar, Dhita Pratiwi; Hamdat, Aminuddin; K, Sriwanda
Khazanah Journal: Economics, Muamalah & Entrepreneurship Vol. 1 No. 1 (2023)
Publisher : LPPM STIE Tri Dharma Nusantara - Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/kh.v1i1.442

Abstract

Untuk mencapai tujuan organisasi, tentunya karyawan dituntut untuk memaksimalkan kinerja yang dia miliki. Kinerja karyawan merupakan hal yang paling penting untuk diperhatikan dalam sebuah perusahaan, karena dapat mempengaruhi tercapainya tujuan dan kemajuan perusahaan dalam suatu persaingan yang semain ketat. Oleh karena itu didalam sebuah organisasi atau perusahaan pemimpin harus memperhatikan serta menerepkan gaya kepemimpinan yang mereka miliki dan lebih meningkatkan lagi lingkungan kerja didalam perusahaan. Maka, penelitian ini bertujuan untuk mengetahui dan menganilisi pengaruh gaya kepemimpinan dan lingkungan kerja terhadap kinerja karyawan. Analisis data menggunakan alat analisis regresi linier berganda dengan pengelolahan kuesioner melalui SPSS 23. Hasil penelitian secara parsial menunjukkan bahwa gaya kepemimpinan berpengaruh positif dan signifikan terhadap kinerja karyawan, yang berarti bahwa jika gaya kepemimpinan baik maka kinerja karyawan akan baik pula, sedangkan hasil penelitian lingkungan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan, yang berarti bahwa jika lingkungan kerja baik maka kinerja karyawan akan baik pula. Adapun hasil penelitian secara simultan menunjukkan bahwa gaya kepemimpinan dan lingkungan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan, yang berarti bahwa jika gaya kepemimpinan dan lingkungan kerja baik maka kinerja karyawan akan baik pula.
Co-Authors Baharuddin, Megawaty Ceskakusumadewi Hamdat, Aminuddin K, Sriwanda Liutfi, Anugrah Maryam Nurdin, Maryam Megawaty, Megawaty MUHAMMAD RIZAL Sasmita, Halida