Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Jurnal Ecoment Global: Kajian Bisnis dan Manajemen Surplus: Jurnal Riset Mahasiswa Ekonomi, Manajemen, dan Akuntansi
Rahma Febrianti
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
STRATEGIC MACROECONOMIC DETERMINANTS OF BANKING PROFITABILITY: A TWO-COUNTRY ASEAN STUDY Rahma Febrianti; Wirda Mardyaningsih
Surplus: Jurnal Riset Mahasiswa Ekonomi, Manajemen, dan Akuntansi Vol 5 No 2 (2025): Surplus: Jurnal Riset Mahasiswa Ekonomi, Manajemen dan Akuntansi
Publisher : Fakultas Ekonomi Universitas IBA Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35449/surplus.v5i2.1125

Abstract

This study examines the influence of Foreign Direct Investment (FDI) and Gross Domestic Product (GDP) on the Return on Assets (ROA) of publicly listed banks in Indonesia and Malaysia using a panel data approach with Bank Focus as the data source. The analysis aims to provide a deeper understanding of how macroeconomic indicators shape banking profitability in two countries with differing economic structures. The findings indicate that in Malaysia, FDI has no significant effect on ROA, while GDP exerts a positive and significant influence on banking profitability. In contrast, for Indonesian banks, FDI demonstrates a significant negative effect on ROA, whereas GDP shows no significant impact. These results highlight that the sensitivity of banking profitability to macroeconomic conditions varies across countries, suggesting that financial strategies and banking policies must be adapted to the specific economic context of each nation.
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
Jurnal Ecoment Global Vol. 11 No. 1 (2026): Volume 11 No. 1 edisi April 2026 (on progress)
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 Wirda Mardyaningsih