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All Journal JAD: Jurnal Riset Akuntansi & Keuangan Dewantara JMD: Jurnal Riset Manajemen & Bisnis Dewantara
Beni Sucipto
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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GOOD CORPORATE GOVERNANCE DAN PERMODALAN PERBANKAN: PERAN MANAJEMEN RISIKO DI ERA PRA-COVID Nurianah; Beni Sucipto; Irea Arahima
JAD : Jurnal Riset Akuntansi & Keuangan Dewantara Vol. 8 No. 2 (2025): Juli (2025) - Desember (2025)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jad.v8i2.1537

Abstract

This study investigates the effect of Good Corporate Governance (GCG) on bank capital, with risk management serving as an intervening variable. The research focuses on Indonesian banks during the period 2015–2019, representing the pre-Covid era when economic conditions were relatively stable and had not yet experienced major shocks from the pandemic. GCG is considered a mechanism that strengthens public trust and enhances the quality of bank management, while risk management functions as a mediating process that translates sound governance into effective risk mitigation strategies. A quantitative approach was employed, using the Capital Adequacy Ratio (CAR) to measure capital adequacy and Non-Performing Loans (NPL) to assess risk management. The sample comprised all banks listed on the Indonesia Stock Exchange (IDX) during 2015–2019, resulting in 1,150 annual reports from 46 banks. Hypothesis testing was conducted using path analysis. The findings indicate that GCG has a direct effect on NPL, while NPL does not exert a direct effect on CAR. In contrast, without the intervening variable, GCG demonstrates an indirect effect on CAR. The results provide insights into the extent to which GCG contributes to strengthening bank capital through risk management and offer practical implications for regulators and banking practitioners in maintaining financial sector stability.
ANALISIS PERILAKU HERDING DAN OVERCONFIDENCE DALAM PENGAMBILAN KEPUTUSAN INVESTASI GENERASI Z KABUPATEN JOMBANG DI PASAR SAHAM SYARIAH INDONESIA Beni Sucipto; Saiful Aminudin Al Kusuma Putra; Nurianah; Irea Arrahima
JMD : Jurnal Riset Manajemen & Bisnis Dewantara Vol. 9 No. 1 (2026): Januari (2026) - Juni (2026)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/jmd.v9i1.1547

Abstract

This study examines the effects of herding behavior and overconfidence on investment decision-making among Generation Z in Jombang Regency in the Islamic (Sharia-compliant) stock market. The study is motivated by the growing interest in investing among young people, supported by financial technology, yet accompanied by vulnerability to behavioral biases that may affect the rationality of decisions. This research adopts a quantitative approach using a survey of 150 Generation Z investors in Jombang who actively invest in Sharia-compliant stocks. The data were analyzed using multiple linear regression. The data analysis technique employed was PLS-SEM, and the analytical tool used was SmartPLS version 4. The results show that herding has no significant effect on investment decision-making, whereas overconfidence has a significant effect and is the most dominant factor. This indicates that Generation Z in Jombang does not tend to directly follow others’ behavior or external recommendations when making investment decisions. Instead, they are more influenced by a high level of self-confidence in their own ability to analyze market information. These findings suggest that Generation Z’s investment decisions in Jombang are highly rational. This study recommends strengthening Islamic financial literacy education to develop smarter and more mature investors.
Co-Authors Irea Arahima Irea Arrahima Nurianah Saiful Aminudin Al Kusuma Putra