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All Journal Asia-Pacific Management and Business Application Studi Akuntansi, Keuangan, dan Manajemen
Viverita, V.
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Moderasi EPU pada Pengaruh NII terhadap Risiko Kredit Bank Dharma, Aditya; Viverita, V.
Studi Akuntansi, Keuangan, dan Manajemen Vol. 5 No. 2 (2025): Oktober
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v5i2.5579

Abstract

Purpose: This study examines how non-interest income (NII) influences bank credit risk and how economic policy uncertainty (EPU) moderates that relationship Methodology/approach: Using panel data on ASEAN banks and a quantitative empirical approach, we include EPU as a moderating variable and control for the Capital Adequacy Ratio (CAR), loan growth, and bank size Results/findings: The results indicate that higher NII significantly reduces non-performing loans, yet its protective effect weakens when EPU is elevated, suggesting that policy uncertainty erodes the risk-buffering benefits of income diversification. EPU itself directly increases credit risk, exposing banks to greater vulnerability during uncertain policy climates. CAR, loan growth, and bank size also exert significant effects on credit risk. Practically, banks should be more selective in pursuing non-interest revenue streams and reinforce credit-risk mitigation when policy uncertainty rises Conclusions: This study highlights the dual role of NII and EPU in shaping credit risk dynamics in ASEAN banks. While income diversification contributes to reducing credit risk, its effectiveness is contingent on the broader policy environment. Elevated policy uncertainty undermines the stabilizing effect of NII, thereby heightening banks’ vulnerabilities. Strengthening capital adequacy, prudent loan growth management, and strategic scaling remain essential for maintaining resilience. Policymakers and regulators should also recognize the destabilizing potential of policy uncertainty and design frameworks that foster clarity and stability in financial markets. Limitations: Future research could incorporate additional internal bank factors, qualitative insights, regulatory changes, and digitalisation trends. Contribution: This study enriches the empirical literature on income diversification and macroeconomic uncertainty within the ASEAN banking sector.
Moderasi EPU pada Pengaruh NII terhadap Risiko Kredit Bank Dharma, Aditya; Viverita, V.
Studi Akuntansi, Keuangan, dan Manajemen Vol 5 No 2 (2025): Oktober
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v5i2.5579

Abstract

Purpose: This study examines how non-interest income (NII) influences bank credit risk and how economic policy uncertainty (EPU) moderates that relationship Methodology/approach: Using panel data on ASEAN banks and a quantitative empirical approach, we include EPU as a moderating variable and control for the Capital Adequacy Ratio (CAR), loan growth, and bank size Results/findings: The results indicate that higher NII significantly reduces non-performing loans, yet its protective effect weakens when EPU is elevated, suggesting that policy uncertainty erodes the risk-buffering benefits of income diversification. EPU itself directly increases credit risk, exposing banks to greater vulnerability during uncertain policy climates. CAR, loan growth, and bank size also exert significant effects on credit risk. Practically, banks should be more selective in pursuing non-interest revenue streams and reinforce credit-risk mitigation when policy uncertainty rises Conclusions: This study highlights the dual role of NII and EPU in shaping credit risk dynamics in ASEAN banks. While income diversification contributes to reducing credit risk, its effectiveness is contingent on the broader policy environment. Elevated policy uncertainty undermines the stabilizing effect of NII, thereby heightening banks’ vulnerabilities. Strengthening capital adequacy, prudent loan growth management, and strategic scaling remain essential for maintaining resilience. Policymakers and regulators should also recognize the destabilizing potential of policy uncertainty and design frameworks that foster clarity and stability in financial markets. Limitations: Future research could incorporate additional internal bank factors, qualitative insights, regulatory changes, and digitalisation trends. Contribution: This study enriches the empirical literature on income diversification and macroeconomic uncertainty within the ASEAN banking sector.
The Effect of COVID-19 Pandemic Information and Trusts towards Online Retailers on Online Consumers’ Risk Perception and Purchasing Behaviour Astuti, Rifelly Dewi; Balqiah, Tengku Ezni; Kusumastuti, Ratih Dyah; Viverita, V.
APMBA (Asia Pacific Management and Business Application) Vol. 14 No. 3 (2026)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

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

Abstract

Understanding how information influences consumer behavior during a public health crisis is crucial for both businesses and policymakers in managing risk communication and sustaining economic activity. Since the announcement of the first case of COVID-19 in early March 2020, the timeline across both mass and social media has been dominated by information about the virus. This information has increased public awareness of the risk of contracting COVID-19 when engaging in activities outside the home, including shopping. As a result, most shopping activities have shifted online. However, online shopping does not entirely eliminate the risk of virus transmission. This study aims to investigate the impact of COVID-19 information in mass and social media on trust in online retailers and online shopping behavior, with risk perception as a mediating variable. A survey was conducted with 1,212 respondents across Indonesia, and the data were analyzed using structural equation modeling. The results indicate that COVID-19-related information directly influences consumers’ online purchasing behavior, while trust in online retailers affects behavior indirectly through the mediation of risk perception.
Co-Authors Dharma, Aditya Ratih Dyah Kusumastuti Rifelly Dewi Astuti Tengku Ezni Balqiah