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Peran Strategi Manajemen Risiko dalam Meningkatkan Likuiditas dan Mengurangi Risiko Kredit di Sektor Perbankan Indonesia Salwatul Muslimah; Rini Puji Astuti; Puput Dwi Wulandari; Salsabilah Aurani Faradilah
Pajak dan Manajemen Keuangan Vol. 1 No. 6 (2024): Desember : Pajak dan Manajemen Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/pajamkeu.v1i5.708

Abstract

The purpose of this study is to examine how risk management techniques can reduce credit risk and increase liquidity in the Indonesian banking industry. It used quantitative methods and collected information from 130 banking professionals through a survey created on a Likert scale ranging from 1 to 5. The Structural Equation Modeling Partial Least Squares (SEM-PLS 3) approach was used to test the hypothesis. According to research, practicing efficient risk management techniques significantly lowers credit risk while increasing liquidity. The findings of this study emphasize the crucial importance of having a strong risk management framework due to its role in ensuring financial stability and enhancing the performance of the Indonesian banking sector. The conclusion of this study offers strategic benefits to banking institutions and policymakers in maximizing risk management procedures in the face of shifting economic conditions.
Pengaruh Literasi Keuangan dan Kontrol Diri terhadap Pengelolaan Keuangan UMKM Salsabilah Aurani Faradilah; Rini Puji Astuti; Thoriqh Afrizal Permana; Muhammad Robby Hermawan
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 4 No. 2 (2025): Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v4i2.4039

Abstract

This investigate looks at the affect of monetary proficiency and self-control on the money related administration of miniaturized scale, little, and medium ventures (MSMEs). With MSMEs playing a significant part in financial improvement, understanding their budgetary administration hones is basic. The objective of this consider is to analyze how money related proficiency and self-control impact monetary decision-making among MSME proprietors. A quantitative inquire about approach was utilized, including a overview of MSME proprietors over different segments. Factual investigation was utilized to survey the connections between monetary proficiency, self-control, and viable money related administration. The discoveries demonstrate that upgraded budgetary proficiency and solid self-control emphatically influence the budgetary hones of MSMEs, driving to superior budgeting, sparing, and venture methodologies. These comes about recommend that executing focused on budgetary education programs and self-control preparing can essentially move forward the budgetary results of MSMEs, cultivating their development and supportability in a competitive environment  Monetary Proficiency, Self-Control, MSME Monetary Administration.