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All Journal Accounting Profession Journal (APAJI) JURPIKAT (Jurnal Pengabdian Kepada Masyarakat)
Vina Ayu Nur Septyana
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Dentistry Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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THE ROLE OF LIQUIDITY RISK, INTEREST RATE RISK, AND CREDIT RISK IN INFLUENCING THE FINANCIAL PERFORMANCE OF INDONESIAN BANKS Vina Ayu Nur Septyana; Rani Lokonta Sari Sembiring; Farah Margaretha Leon
Accounting Profession Journal (APAJI) Vol. 7 No. 2 (2025): Accounting Profession Journal (APAJI)
Publisher : Program Studi Akuntansi Fakultas Ekonomi dan Bisnis Universitas Kristen Indonesia Paulus

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Abstract

This study aims to examine the effect of liquidity risk, credit risk, loan-to-deposit ratio (LDR), and bank size on the financial performance of banks in Indonesia listed on the Indonesia Stock Exchange (IDX) during the 2019-2023 period. The sample consists of 41 banks with a total of 205 annual observations. The analysis method used is panel data regression with the Random Effect Model approach using Eviews 9.0 software. The results showed that liquidity risk, LDR, and bank size had a significant positive effect on financial performance proxied by Return on Assets (ROA), while credit risk had a significant negative effect on ROA. These findings indicate that liquidity management, efficiency in lending, and the scale of bank assets are important factors in increasing bank profitability.
Wirausaha Baru Dalam Membangun Fondasi Bisnis Nico Lukito; Dita Oki Berliyanti; Rowlan Takaya; Vina Ayu Nur Septyana
JURPIKAT (Jurnal Pengabdian Kepada Masyarakat) Vol. 6 No. 4 (2025)
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/jurpikat.v6i4.2530

Abstract

Community Service activity was conducted at the Bina Amanah Cordova Entrepreneurship School (SKBAC) Jl. Japos Raya No. 09, Pondok Jati RT 05 RW 03, Jurang Mangu Barat, Pondok Aren, South Tangerang City, Banten Province. The purpose of the activity is to train new entrepreneurs from Micro, Small, and Medium Enterprises (MSMEs) in understanding a strong business foundation as a basis for building and developing sustainable businesses. The problems faced by entrepreneurs, such as a lack of knowledge and skills in designing business models, financial management, marketing strategies, and enhancing entrepreneurial mentality. The training and counseling participants numbered eleven people. The activities included direct mentoring, business simulations, group discussions, and interactive training. The results of the activities show that the participants have a better understanding of basic business concepts and how they can be applied in the businesses they are currently running or will run. This program is expected to help nurture new entrepreneurs who are innovative, resilient, and capable of adapting to market dynamics, as well as contributing to local economic growth.
Co-Authors Dita Oki Berliyanti Farah Margaretha Leon Nico Lukito Rani Lokonta Sari Sembiring Rowlan Takaya