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All Journal Gema Wiralodra IIJSE
Febria Nalurita
Universitas Trisakti, Jakarta, Indonesia
Economics, Econometrics & Finance Other

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Digital Transformation and Green Credit: Strategic Implications for Bank Profitability Grecia Alvionita Simanjorang; Febria Nalurita; Farah Margaretha Leon
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study seeks to examine the impact of non-performing loans, the loan-to-deposit ratio, green credit, and digitalisation on the profitability of Indonesia's banking system, while considering bank size and bank age as control factors. This research is distinctive due to its incorporation of green credit and digitalisation in response to the increasing significance of sustainability and technical advancement in the financial sector. This study utilises secondary data obtained from the annual reports of banking firms listed on the Indonesia Stock Exchange (IDX) for the years 2019 to 2024. The sample was chosen by a purposive sampling technique. The investigation utilised imbalanced panel data regression with a fixed effects model, leveraging EViews 9 software. The findings demonstrate that non-performing loans adversely and significantly impact profitability, while the loan-to-deposit ratio positively and significantly influences profitability. Additionally, green credit exerts a positive and significant effect on profitability, and both bank size and bank age as control variables significantly affect profitability. In contrast, digitalisation exerts no substantial influence on profitability. The findings underscore the necessity for banks to adeptly manage credit risk and optimise digital transformation to improve financial performance, alongside the vital role of government in fostering and developing green credit programs.
The Effect of Corporate Sustainability Performance Moderated by Liquidity, Stock Price Volatility, Institutional Ownership, And Concentrated Ownership On Profitability Reny Eryda; Febria Nalurita
Gema Wiralodra Vol. 15 No. 2 (2024): Gema Wiralodra
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/gw.v15i2.708

Abstract

This research needs to be done to develop previous studies by adding other variables, especially non-economic variables. This study aims to analyze corporate sustainability performance (CSP) controlled by company size and leverage variables on profitability moderated by liquidity, concentrated ownership, stock price volatility, institutional ownership in consumer goods companies listed on the IDX from 2018 to 2022. This study adds institutional ownership and concentrated ownership as moderating variables as well as company size and the use of debt (leverage) or loans as control variables. The sample withdrawal method in this study used a purposive sampling method of 37 companies with a total sample size of 185 with the regression results of the fixed effect model equation, and random effect. The results of this study indicate that there is no significant effect of CSP on profitability, liquidity moderates the effect of CSP on profitability, stock price volatility does not moderate the effect of CSP on profitability, concentrated ownership does not moderate the effect of CSP on profitability, institutional ownership moderates the effect of CSP on profitability and there is a significant effect of company size and debt use on profitability. Managerial implications to increase CSP and probability, the company's efforts include increasing the liquidity ratio, being more careful in taking debt and must ensure the company's ability to cover the debt. In addition, it seeks to improve performance, innovate and be responsive and sensitive to reading market opportunities
Co-Authors Farah Margaretha Leon Grecia Alvionita Simanjorang Reny Eryda