Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Research Horizon
Fariabi, Muhammad Rofi
Unknown Affiliation
Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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

Found 1 Documents
Search

 1 
The Influence of Macroeconomics on Credit Risk with Bank Size as a Moderating Variable Fariabi, Muhammad Rofi; Riharjo, Ikhsan Budi
Research Horizon Vol. 6 No. 1 (2026): Research Horizon - February 2026
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.6.1.2026.1028

Abstract

This study is motivated by the vulnerability of regional development banks to credit risk amid macroeconomic fluctuations and the inconsistency of previous research findings. The aims of this study is to analyze the effects of inflation, gross domestic product, exchange rates, and the policy interest rate on credit risk, as well as the moderating role of bank size in 27 regional development banks in Indonesia during the 2020–2024 period. The study employs a causal quantitative approach using a saturated sampling technique (524 observations) and Moderated Regression Analysis. The results show that inflation, gross domestic product, and the policy interest rate have a positive and significant effect on credit risk, while the exchange rate has a negative and significant effect. Bank size is proven to moderate all macroeconomic variables by weakening the effects of inflation, gross domestic product, and the policy interest rate, while strengthening the effect of exchange rates on credit risk. These findings imply that strengthening bank assets and size is a crucial factor in enhancing the resilience of regional development banks in facing economic pressures to maintain credit quality stability.
Co-Authors Ikhsan Budi Riharjo