Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal IIJSE
Parasdya, Yoga
Unknown Affiliation
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Hubungan Antara Manajemen Risiko Kredit dan Faktor Spesifik Bank terhadap Kinerja Keuangan pada Bank di ASEAN-5 Parasdya, Yoga; Raharja, Surya
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.4938

Abstract

This study aims to identify and analyse the effects of credit risk management and bank-specific factors on bank financial performance. Credit risk management is explained by non-performing loan ratio (NPL) and capital adequacy ratio (CAR), while bank specific factors are explained by cost to income ratio (CIR), net interest margin (NIM) and loan to deposit ratio (LDR). Financial performance is explained by return on assets (ROA). The object of this research is banks listed on the stock exchange in Indonesia, Malaysia, Singapore, Thailand and Philippines or ASEAN-5. The sample of this study is 63 banks with an observation period during 2017-2022 which resulted in 378 data. The results of this study are NPL and CAR have a negative and significant effect on ROA. This means that weak credit risk management can affect the decline in ROA. CIR and LDR have a negative and significant effect on ROA, meanwhile NIM has a positive and significant effect. This means that weak intermediation activities between depositors and creditors can also affect the decline in ROA. This study is different from previous studies because it adds the age of the bank as a control variable and expands the observation subjects to ASEAN-5 countries and extends the observation period.
Co-Authors Surya Raharja