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All Journal The International Journal of Accounting and Business Society Jurnal Cahaya Mandalika Jurnal Magister Ekonomi Syariah
Rachmadi, Erfan
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Social Sciences

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Do ESG Performance Improve Bank Stability: Comparative Analysis Islamic vs Conventional Bank Irsyad, Muhammad; Chairiyati, Fauziah; Rachmadi, Erfan
Jurnal Magister Ekonomi Syariah Vol. 3 No. 2 Desember (2024): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2024.032-06

Abstract

This research examines the impact of ESG on the stability of conventional banks and Islamic banks in Indonesia and Malaysia. Using panel data from 140 conventional banks and 27 Islamic banks from 2014-2023, we found that ESG performance has a significantly positive impact on bank stability. The research results indicate that ESG significantly affects the stability of both Islamic and conventional banks. Furthermore, the research results also indicate that the environmental pillar has a more significant impact on the stability of conventional banks and the social pillar has a more significant impact on the stability of Islamic banks. The results of this research can be utilized by stakeholders to pay more attention to ESG performance as an effort to maintain the long-term stability of both conventional and Islamic banks.
Evaluasi Kinerja Keuangan: Pengaruh Profitabilitas terhadap Likuiditas pada PT. Bank Syariah Indonesia Rachmadi, Erfan
Jurnal Cahaya Mandalika ISSN 2721-4796 (online) Vol. 3 No. 3 (2022)
Publisher : Institut Penelitian Dan Pengambangan Mandalika Indonesia (IP2MI)

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Abstract

Penelitian ini bertujuan untuk mengevaluasi kinerja keuangan PT. Bank Syariah Indonesia (BSI) dengan fokus pada pengaruh profitabilitas terhadap likuiditas. Data yang digunakan dalam penelitian ini adalah ROA dan ROE sebagai proksi profitabilitas, serta FDR sebagai proksi likuiditas. Data diperoleh dari laporan keuangan BSI. Metode penelitian yang digunakan adalah penelitian kuantitatif. Hasil penelitian menunjukkan adanya pengaruh signifikan antara ROA terhadap FDR dengan arah yang negatif. Hal ini menunjukkan bahwa peningkatan profitabilitas yang diukur dengan ROA akan berdampak pada penurunan likuiditas yang diukur dengan FDR pada PT. Bank Syariah Indonesia. Selain itu, penelitian ini juga menemukan pengaruh signifikan positif antara ROE dan FDR. Artinya, peningkatan profitabilitas yang diukur dengan ROE akan berdampak positif terhadap likuiditas pada PT. Bank Syariah Indonesia. Temuan ini memiliki implikasi penting bagi manajemen PT. Bank Syariah Indonesia dalam mengelola kinerja keuangan mereka. Dalam upaya meningkatkan likuiditas, manajemen perlu memperhatikan faktor-faktor yang mempengaruhi ROA dan ROE, serta mengambil tindakan yang tepat untuk memperbaiki kinerja keuangan mereka.
The Green Paradox of Corporate Lending Risk in ASEAN-5 Banks Muizzuddin; Rachmadi, Erfan; Putri, Nyayu Khalilah; Febrianti, Devi
The International Journal of Accounting and Business Society Vol. 34 No. 1 (2026): IJABS
Publisher : Accounting Department,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ijabs.2026.34.1.967

Abstract

Purpose - This paper examines whether ESG engagement affects corporate lending risk in ASEAN-5 banks and whether state ownership and bank capital levels moderate this relationship. Design/methodology/approach - Using an unbalanced panel of 34 banks in ASEAN-5 from 2014 to 2023, this study applies random effects regression, interaction models, capital-based heterogeneity analysis, and two-step System GMM. Findings - The findings reveal a selective role of state ownership. While ESG engagement increases corporate lending risk, particularly through the Environmental and Governance pillars, SOE banks reduce the risk effect of Governance-related ESG engagement. This indicates that state control can act as a governance-based stabilizing mechanism, especially when banks face capital constraints. Practical implications - ESG implementation should be integrated into credit risk assessment and prudential supervision, especially for low-capital banks exposed to transition risks. Originality/value - This study departs from the view that ESG engagement and state ownership necessarily reinforce one another. Instead, it shows that the relationship between the two is conditional. State control appears to reduce credit risk only through the Governance pillar, particularly when banks face limited capital. In the ASEAN-5 context, where state ownership continues to hold considerable institutional influence, this pillar-level analysis offers a more nuanced understanding of when state ownership can act as a safeguard for good governance, rather than assuming that such a role is always present. Paper type - Research paper
Co-Authors Chairiyati, Fauziah Febrianti, Devi Muhammad Irsyad Muizzuddin Muizzuddin Putri, Nyayu Khalilah