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All Journal PROGRESIF Journal Integration of Management Studies
Ardelia, Rahmadina
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Credit Risk And Internal Factors Affecting Profitability: Evidence From Indonesian Banks Ardelia, Rahmadina; Rahadi, Raden Aswin
Journal Integration of Management Studies Vol. 3 No. 1 (2025)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v3i1.326

Abstract

This study aims to analyse the effect of credit risk and internal bank factors on profitability in the Indonesian banking sector, focusing on institutions categorised under KBMI (Kelompok Bank berdasarkan Modal Inti) Groups 3 and 4, which are considered systemically important due to their large core capital. The research covers 2019–2023 and utilises a panel dataset comprising 13 banks, yielding 65 firm-year observations. Profitability is measured using Return on Assets (ROA) and Return on Equity (ROE) as dependent variables. The independent variables include Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Liquidity, and Bank Size. Panel data regression was conducted using EViews 12. In the ROA model, Liquidity (β = 0.026, p = 0.0198) and Bank Size (β = 0.058, p = 0.0354) significantly influence profitability, whereas NPL and CAR do not. In the ROE model, only Bank Size (β = 0.464, p < 0.001) has a statistically significant positive impact. Other variables remain insignificant. The findings underscore the importance of scale in driving profitability for major banks. Bank managers should focus on strategic growth and liquidity management, while regulators may reassess the weight of NPL and CAR in evaluating bank performance within this group. This study enriches the literature by providing updated empirical evidence on the determinants of profitability in large Indonesian banks and highlights the relative influence of internal bank attributes in a post-pandemic financial landscape.
Pelaporan Keuangan Sederhana bagi UMKM KSBI Lestari, Henny Setyo; Martiningtiyas, Catur Rahayu; Ekasari, Ayu; Laksono, Wafi Suryo; Ardelia, Rahmadina
PROGRESIF: Jurnal Pengabdian Komunitas Pendidikan Vol. 5 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36406/progresif.v5i2.311

Abstract

The implementation of this PkM activity aims to provide training to help MSMEs improve their skills in simple digital-based financial recording in order to face competition in the industrial era 4.0. The implementation of this PkM activity was held on November 30, 2024 at the Indonesian Community Success Community (KSBI) MSME. Participants in this PkM activity were 19 active MSME actors engaged in the culinary, service and trade sectors. The initial activity was to conduct financial literacy in the form of a basic financial education workshop tailored to the needs of MSMEs. The material presented included an introduction to basic financial elements such as transaction recording, cash flow management, and the preparation of simple reports. Increasing efforts in understanding and using digital technology for financial recording was carried out through training activities focused on the introduction and guidance for using Android and Cloud-based accounting applications that were user-friendly and easy to learn. Participants who were previously unfamiliar with recording simple transactions, but after the training were able to prepare financial reports and record transactions more systematically. The results of the practice showed that approximately 75% of participants successfully prepared simple financial reports. Participant satisfaction was also high, with 85% stating that the material was highly relevant to their business needs.
Co-Authors Ayu Ekasari Laksono, Wafi Suryo Lestari, Henny Setyo Martiningtiyas, Catur Rahayu Rahadi, Raden Aswin