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All Journal Jurnal Pendidikan Indonesia (Japendi) Eduvest - Journal of Universal Studies
Gustama, Abi
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Aerospace Engineering Computer Science & IT Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences

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The Impact of Income Diversification and Liquidity Risk on Stability of Conventional Banks In Indonesia Gustama, Abi; Danarsari, Dwi Nastiti
Eduvest - Journal of Universal Studies Vol. 5 No. 9 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i9.51344

Abstract

This study aims to analyze the effect of income diversification and liquidity risk on the stability of conventional banks in Indonesia, the research of banks listed on Indonesia Stock Exchange during the periode 2014 – 2023 and using panel data regression methods. The results indicate that income diversification has a significant negative effect on bank stability. However, the moderating factors of KBMI 3 and KBMI 4 are able to strengthen the relationship between income diversification and bank stability. Liquidity risk doest not affect bank stability, While KBMI 1 and KBMI 4 are found waken the impact of liquidity risk on stability. In Contrast KBMI 2 strengthen effect of liquidity risk on bank stability. Banks need to carefully consider banking activities in diversifying income an take into account tier capital 1 in mitigating liquidity risk. KBMI as a moderating both income diversification and liquidity risk. To the best of the author's knowledge, KBMI as a moderating variable in the relationship between income diversification and liquidity risk has not been previously examined. The implication of this study highlights the importance of regulatory oversight regarding risk exposure arising from income diversification and the optimization of liquidity within each KBMI category.
The Impact of Digital Transformation on Organizational Performance and Operational Risks in Banking Sector Haryanti, Rika Ayu; Anugrah, Bimo; Gustama, Abi; Farid Rahmadani, Dwi; Hanggraeni, Dewi
Jurnal Pendidikan Indonesia Vol. 6 No. 1 (2025): Jurnal Pendidikan Indonesia
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v6i1.6776

Abstract

This study examines the impact of digital transformation (DT) on organizational performance and operational risks in the banking sector. Internal factors analyzed include communication, comprehension of DT, operational technology readiness, process complexity, risk monitoring, and operational risk training, while external factors encompass regulatory compliance, digital experience, budget constraints, and cyber resilience. Using fuzzy-set qualitative comparative analysis (fsQCA) on survey data from 100 Indonesian banking professionals, the findings highlight the critical role of risk monitoring and operational technology readiness among internal factors, and cyber resilience and budget allocation among external factors. The interplay of these elements, such as combining risk monitoring with cyber resilience, is key to optimizing performance and mitigating risks. This study provides actionable insights for practitioners, policymakers, and scholars, emphasizing the alignment of internal capabilities with external demands. It highlights the importance of streamlined processes, cybersecurity frameworks, and supportive regulations for sustainable DT. While limited by sample size and subjective data, the research identifies opportunities for future studies, including cross-sectoral analyses and the use of objective performance metrics.
Co-Authors Anugrah, Bimo Dwi Nastiti Danarsari Farid Rahmadani, Dwi Hanggraeni, Dewi Haryanti, Rika Ayu