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All Journal e-Jurnal Apresiasi Ekonomi
Mochammad Chabachib
Universitas Diponegoro
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALYSIS OF INCREASING CREDIT ACCOUNTS, DPK AND BANKING FRAUD ON E-KYC PROVIDER BUSINESS GROWTH: OJK REGULATORY SANDBOX AS MODERATION Achmad Irfan Kamaluddin; Mochammad Chabachib
Jurnal Apresiasi Ekonomi Vol 13, No 2 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i2.832

Abstract

Following the issuance of OJK Regulation (POJK) Number 13 of 2018 concerning Digital Financial Innovation in the Financial Services Sector, Digital Financial Innovation (IKD) has continued to increase since 2018. To strengthen IKD, OJK issued SEOJK No. 21/SEOJK.02/2019 concerning Implementation of the Regulatory Sandbox for Digital Financial Innovation Organizers.This research aims to analyze the influence of the development of the banking industry, which is proxied through an increase in the number of credit accounts and third party funds (DPK), as well as an increase in fraud cases, on the business growth of E -KYC (electronic-know-your-customer) providers in the 2019-2023. Through a causality approach and multiple linear regression analysis, this study produces empirical findings about the factors that influence E-KYC business growth. Furthermore, this research also explores the role of the OJK regulatory sandbox as a moderating variable in this relationship.The research results found that the growth of credit accounts, the growth of Third Party Fund (DPK) accounts had a positive effect on the business growth of E-KYC providers and the regulatory sandbox as a moderating variable strengthened the positive effect.Keywords: Electronic Know Your Customer, Credit Accounts, Third-Party Funds, Banking Fraud, Regulatory Sandbox
ANALYSIS OF FINANCIAL RATIO (CAR, NPL, NIM, LDR) AND INDEPENDENT COMMISSIONERS ON PROFITABILITY IN BANKING ON THE INDONESIAN STOCK EXCHANGE Togi Hendrik Siagian; Mochammad Chabachib
Jurnal Apresiasi Ekonomi Vol 13, No 2 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i2.833

Abstract

This study aims to analyze the effect of Capital Adequate Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Independent Commissioner on Return on Assets (ROA) in banks listed on the Indonesia Stock Exchange (IDX) during the 2019-2023 period.The research method used is a quantitative approach with testing using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The data source comes from annual reports that have been audited and submitted to the Financial Services Authority. The type of data used is secondary data based on bank financial statements.The results show that CAR and LDR have no significant effect on ROA, while NPL has a negative and significant effect on ROA, but NIM and Independent Commissioner have a positive and significant effect on ROA. This study suggests that adopting a better strategy in managing credit risk management through capital optimization, strengthening governance and can add other ratios as part of the tool to measure bank profitability performance. Keywords: Capital Adequate Ratio, Non Performing Loan, Net Interest Margin, Loan to Deposit Ratio and Independent Commissioner
Co-Authors Achmad Irfan Kamaluddin Togi Hendrik Siagian