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All Journal Jurnal Ecoment Global: Kajian Bisnis dan Manajemen TECHNOBIZ : International Journal of Business
Rahma Febrianti
Universitas Sriwijaya
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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INTEGRATING STRATEGIC RISK MANAGEMENT AND SUSTAINABLE STRATEGIC PLANNING TO ENHANCE INDONESIAN LISTED BANKS’ FINANCIAL HEALTH WIRDA MARDYANINGSIH; Rahma Febrianti; Akhmad Ghozali
TECHNOBIZ : International Journal of Business Vol. 8 No. 2 (2025): Oktober 2025
Publisher : TECHNOBIZ : International Journal of Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33365/technobiz.v8i2.811

Abstract

The banking sector plays a vital role in sustaining national economic stability but has faced major challenges in the past five years, including the Covid-19 pandemic and the growing pressure to adopt sustainability principles. The financial health of publicly listed banks, as key players in the financial system, depends on their ability to manage strategic risks and implement sustainable planning. This study investigates the effect of Strategic Risk Management (SRM) on Financial Health, with Sustainable Strategic Planning (SSP) as a mediating variable. A quantitative approach was applied using secondary data from 33 publicly listed banks in Indonesia during 2020–2024. SRM was measured through strategic risk disclosure and the integration of risk into business strategies. SSP was proxied by sustainability roadmaps, ESG policies, and the implementation of green strategies. Financial Health was assessed using CAR, NPL, ROA, LDR, and CIR ratios. The results indicate that SRM significantly improves SSP, SSP significantly enhances Financial Health, and SRM also directly affects Financial Health. Furthermore, SSP fully mediates the relationship between SRM and Financial Health. These findings highlight the importance of embedding strategic risk management into sustainable planning to strengthen the financial resilience of Indonesian banks
How Do Credit Risk and Liquidity Shape Bank Profitability? Evidence From Indonesia: Do Credit Risk and Liquidity Shape Bank Profitability? Evidence From Indonesia Rahma Febrianti; Akhmad Ghozali
Jurnal Ecoment Global Vol. 11 No. 1 (2026): Volume 11 No. 1 edisi April 2026
Publisher : Universitas Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jeg.v11i1.6891

Abstract

Objective: This study empirically examines the effects of credit risk, liquidity, and interest rates on banking profitability in Indonesia. Using Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and interest rates as independent variables, and Return on Equity (ROE) as the profitability measure, the research employs panel data regression to enhance empirical understanding of profitability determinants and contribute to banking literature in developing countries Design/Methods/Approach: A quantitative explanatory approach is applied to analyze publicly listed commercial banks in Indonesia from 2019 to 2024. Secondary data from annual financial reports are used. Credit risk is measured by NPL, liquidity by LDR, and interest rates serve as independent variables, while ROE indicates profitability. Panel data regression captures variations across banks and over time to produce consistent empirical results. Findings: Results show that NPL has a significant negative impact on ROE. LDR negatively affects ROE but is statistically insignificant, indicating liquidity is not a primary profitability determinant. Interest rates positively and significantly influence ROE, highlighting the crucial role of interest-based income in banking performance in Indonesia. Originality/Value: This research offers novelty by simultaneously testing credit risk, liquidity, and interest rates on banking profitability using panel data regression. It provides recent empirical evidence useful for risk management and policy formulation in the Indonesian banking sector. Practical/Policy implication: Findings suggest bank management should prioritize credit risk control to sustain profitability. The significant role of interest rates underscores the need for strategic responses to monetary policy changes. Policy implications call for regulatory support to ensure banking stability and sustainable risk management. Keywords: banking profitability; credit risk; interest rates
Co-Authors Akhmad Ghozali WIRDA MARDYANINGSIH