JURNAL MANAJEMEN MOTIVASI
Vol 22 No 2 (2026): Jurnal Manajemen Motivasi

The Influence of Asset Management Risk on Bank’s Financial Performance in Indonesia

Berlian Zervi Pratiwi, Enggar (Unknown)
Syakila Salsabila Nasution (Unknown)
Farah Margaretha Leon (Unknown)

Article Info

Publish Date
31 Aug 2026

Abstract

By taking into account the capital adequacy ratio, bank size, and financial leverage, this study seeks to examine the impact of asset management risk on the financial performance of Indonesian banks. Purposive sampling was used to choose 32 banks that were listed on the Indonesia Stock Exchange between 2020 and 2024. Panel data regression was used to analyse the data. The findings indicate that while financial leverage has a large negative impact on financial performance, interest rate risk, credit risk, and the capital adequacy ratio have a considerable beneficial impact. The financial performance of banks is not significantly impacted by liquidity risk or bank size. Keywords: Capital Adequacy Ratio; Credit Risk; Financial Performance; Interest Rate Risk; Liquidity Risk

Copyrights © 2026




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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...