scholarly journals PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS DAN RISIKO SOLVABILITAS TERHADAP PROFITABILITAS BANK (STUDI PADA BANK PERSERO YANG BEROPERASI DI INDONESIA)

2018 ◽  
Author(s):  
Azwansyah Habibie
Keyword(s):  
Credit Risk ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Quantitative Approach ◽  
Bank Profitability ◽  
Financial Reports ◽  
Financial Report

This study aims to determine the effect. Against the level of bank profitability. Thisresearch is conducted with quantitative approach by using secondary data that isquarterly financial report of publication of state bank in question to Bank Indonesia.The population and sample are 64 quarterly financial reports of bank publicationsconsisting of 4 banks and study period from 2011 to 2014. The results of this studyindicate the existence of credit risk, liquidity risk and risk are partially insignificant tothe profitability of state banks but simultaneous credit risk, liquidity risk and solvabilityrisk significantly to the profitability of state-owned banks

scholarly journals Credit Risk Disclosure Compliance And Bank Performance In Nigeria: A Case Study Of Zenith Bank PLC.

2019 ◽  
Vol 7 (8) ◽  
pp. 109-113
Author(s):  
F. O. Olaoye ◽  
T. C. Ojuolape
Keyword(s):  
Credit Risk ◽  
Investment Decision ◽  
Linear Regression Analysis ◽  
Bank Performance ◽  
Risk Disclosure ◽  
Bank Profitability ◽  
Financial Reports ◽  
Financial Report ◽  
Specific Objective ◽  
Ifrs 7

The study examined the influence of credit risk disclosure compliance on bank performance in Nigeria. IFRS 7 state that entity should disclose credit risk in their financial report. Credit risk may affect going concern concept and audit report is silent about it. The specific objective of the study is to ascertain the influence of credit risk disclosure on bank profitability. Linear regression analysis was used to analyse the data collected from financial reports, with the help of SPSS 20.0 version. The study discovered that there is positive relationship between credit risk disclosure and bank profitability. The study therefore recommends that the financial institutions regulators should enforce credit risk disclosure in their financial reports as this will help the stakeholders to make informed investment decision.

scholarly journals Analisis Perbandingan Kinerja Keuangan Dan Ekonomi Sosial Bank Syariah Antara Sebelum Dan Sesudah Ditetapkannya Fatwa MUI Tentang Haramnya Bunga Bank

2017 ◽  
Vol 3 (12) ◽  
pp. 973
Author(s):  
Lia Auliah Rachmah ◽  
Nisful Laila
Keyword(s):  
Social Performance ◽  
Secondary Data ◽  
T Test ◽  
Quantitative Approach ◽  
Islamic Banks ◽  
Financial Reports ◽  
Significant Difference ◽  
Before And After

This study aims to find out the comparison between the performance of Islamic Banks including financial performances such as the ratio of ROA, ROE, FDR and CAR as wells economic and social performance such as MMR ratio before and after the determination of fatwa regarding the prohibition against bank interest. Quantitative approach and independent sample t-test has been used in this study. The data is a secondary data which was obtained by collecting the annual financial reports. The result of the independent sample t-test shows that there are significant differences between the performance of the Islamic banks before and after the fatwa on the ratio of ROE, FDR and MMR. Whereas on the ratio of ROA and CAR have no significant difference before and after the fatwa.

scholarly journals Pengaruh risiko usaha terhadap rasio kecukupan modal inti (TIER 1) pada bank-bank kelompok buku 3 dan buku 4

2019 ◽  
Vol 7 (1) ◽  
Author(s):  
Adi Isa Ansori ◽  
Herizon Herizon
Keyword(s):  
Credit Risk ◽  
Liquidity Risk ◽  
Secondary Data ◽  
Operational Risk ◽  
Sampling Technique ◽  
Financial Statements ◽  
Market Risk ◽  
Linear Analysis ◽  
Tier 1 ◽  
Bank Group

This study tried to determine the effect of liquidity risk measured by LDR and IPR, Credit risk measured by APB and NPL, market risk measured by IRR and PDN, operational risk measured by BOPO, and FBIR both simultaneously or partially. On Core CAR (TIER 1) in Bank group of book 3 and book 4. The sample was selected using purposive sampling technique, consisting of five banks such as PT Bank Negara Indonesia, PT Bank Maybank Indonesia, PT Bank Tabungan Negara, PT Pan Indonesia Bank, and PT Bank Permata. The secondary data were taken from published financial statements starting from first quarter 2010 until second quarter 2015. They were collected by documentation method and analyzed using linear analysis. The result shows that, partially, LDR, IPR, NPL, PDN, BOPO and FBIR have significant effect on Core CAR (TIER 1). Simultaneously, LDR, IPR, APB, NPL, IRR, PDN, BOPO, and FBIR, as represented by liquidity risk, credit risk, market risk, and operational risk partially have significant effect on Core CAR (TIER 1) in Bank group of book 3 and book 4.

Corporate governance in relationship with bank risk management

2021 ◽  
pp. 2150034
Author(s):  
Ika Permatasari
Keyword(s):  
Risk Management ◽  
Corporate Governance ◽  
Credit Risk ◽  
Liquidity Risk ◽  
Market Risk ◽  
Data Sources ◽  
Annual Reports ◽  
Bank Risk ◽  
Financial Reports ◽  
The Relationship

The purpose of this research is to examine the relationship between corporate governance and risk management of Indonesian banks. Bank risk managements are measured by market risk, credit risk, and liquidity risk. The samples used in this study were all banks registered in Indonesia during the 2010–2016 period. The data sources were obtained from the annual reports and bank financial reports. The results show that corporate governance implementation in Indonesia was able to affect credit risk and liquidity risk. There were differences in credit risk and liquidity risk in banks with different governance ratings, but not at market risk.

scholarly journals PENGUNGKAPAN CORPORATE SOCIAL RESPONSIBILITY, EARNING MANAGEMENT DAN KINERJA PERUSAHAAN

2020 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Nofryanti Nofryanti
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Stock Exchange ◽  
Secondary Data ◽  
Earning Management ◽  
Company Performance ◽  
Financial Reports ◽  
Financial Report ◽  
Csr Disclosure ◽  
Corporate Social

The company's activities which were initially only measured by prioritizing profits have now begun to shift to calculating social and environmental problems in their financial statements. The company is asked to be responsible for the environment and social through a non-financial report that is the report of Corporate social responsibility (CSR). The purpose of this study was to analyze the effect of CSR disclosure on company performance and management earnings on company performance. This research is quantitative with secondary data and uses eviews to test the influence between variables. The research sample is 34 companies listed on the Indonesia Stock Exchange that present financial reports and sustainability reports. The results showed that CSR disclosure had no effect on company performance and earnings management had a positive effect on company performance. It can be concluded that CSR disclosed by the company has not been able to improve company performance. CSR disclosure disclosed by the company will not always benefit the company, the high cost of CSR will have an impact on increasing company spending. Companies tend to use earning management patterns to improve their performance Keywords: CSR disclosure; Earning Management; Company Performance

scholarly journals The internal determinants of bank profitability and stability

2019 ◽  
Vol 42 (1) ◽  
pp. 49-67 ◽  
Author(s):  
Muhammad Ali ◽  
Chin Hong Puah
Keyword(s):  
Credit Risk ◽  
High Performance ◽  
Banking Sector ◽  
Liquidity Risk ◽  
Separate Analysis ◽  
Bank Profitability ◽  
Content Type ◽  
Sustainable Performance ◽  
Study Results ◽  
Funding Risk

PurposeThe purpose of this study is to examine the internal determinants of bank profitability and stability in Pakistan banking sector. Because of specific research objectives, this study excludes the external factors of profitability and stability to find the role of bank internal determinants in achieving high performance.Design/methodology/approachA panel regression analysis is built on a balanced panel data using 24 commercial banks over the sample period of 2007-2015. The authors performed a separate analysis of bank profitability and stability. Both models used a comprehensive set of bank internal determinants.FindingsThe results that were obtained from profitability model indicated that bank size, credit risk, funding risk and stability have statistically significant impacts on profitability, while liquidity risk showed the statistically insignificant impact on profitability. Regression findings from stability model reveal that bank size, liquidity risk, funding risk and profitability have statistically significant impacts on stability, while credit risk had an insignificant effect on stability. However, the effect of the financial crisis is uniform and showed statistically insignificant impact in both models.Practical implicationsOverall, the authors’ findings bring some new but useful insights to the banking literature. Some recommendations may be functional for the sustainable performance of banks.Originality/valueIn view of study results, the authors provide interesting insights into the practices and characteristics of banks in Pakistan. This study also highlights significant bank internal determinants to improve understanding in the existing literature.

scholarly journals THE RELATIONSHIP OF RISK MANAGEMENT AND BANK PROFITABILITY PERFORMANCE BETWEEN DOMESTIC AND FOREIGN ISLAMIC BANKS IN MALAYSIA

2019 ◽  
Vol 7 (6) ◽  
pp. 411-415
Author(s):  
Venny S. W. Chong ◽  
Jason M. S. Lam ◽  
S. H.Tan
Keyword(s):  
Risk Management ◽  
Credit Risk ◽  
Financial Performance ◽  
Panel Data Analysis ◽  
Liquidity Risk ◽  
Islamic Banks ◽  
Bank Profitability ◽  
Significant Difference ◽  
Relationship Of ◽  
The Relationship

Purpose: This study is to determine the effects of risk management towards the domestic and foreign Islamic bank’s financial performance in Malaysia. The ten Islamic banks in Malaysia have been chosen as the sample bank in which domestic and foreign banks were equally divided. The credit risk, liquidity risk as well as solvency risk acted as the independent variables to determine the effects towards the bank’s profitability as measured by return on equity. Methodology: The panel data analysis has employed fixed effect and random effect regression models and the Hausman test in this study. Furthermore, the independent sample T-test was conducted to examine the significant difference between domestic and foreign Islamic banks. Result: The finding of this study showed that liquidity risk and insolvency risk would have a greater impact towards the Islamic bank’s profitability while the credit risk has no significant influence on Islamic bank’s financial performance in Malaysia. The study concludes that domestic Islamic banks had better financial performance as compared to foreign Islamic banks in Malaysia. Applications: This research can be used for universities, teachers, and students. Novelty/Originality: In this research, the model of The Relationship of Risk Management and Bank Profitability Performance between Domestic and Foreign Islamic Banks in Malaysia is presented in a comprehensive and complete manner.

scholarly journals Dampak Risiko Kredit, Suku Bunga dan Likuiditas terhadap Profitabilitas Bank

2021 ◽  
Vol 5 (1) ◽  
pp. 185
Author(s):  
Sinta Purnama Sari ◽  
Suhendro Suhendro ◽  
Riana Rachmawati Dewi
Keyword(s):  
Regression Analysis ◽  
Linear Regression ◽  
Credit Risk ◽  
Interest Rates ◽  
Sampling Method ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Bank Profitability ◽  
Data Source

This study aims to determine the effect of the variable Credit Risk, Interest Rates, Liquidity on Profitability simultaneously or partially to influence the banking subsector companies listed on the IDX for the 2016-2019 period. The data source is secondary data. The method used in this research is the classical assumption test and multiple linear regression analysis with the help of the SPSS version 21 program. There are 42 populations of banking subsector companies listed on the IDX for the 2016-2019 period. The sample was selected from a purposive sampling method of 13 companies from several criteria. The results of this study indicate that credit risk affects bank profitability. Meanwhile, interest rates and liquidity do not affect bank profitability.

scholarly journals The Effect of Liquidity Risk and Credit Risk on the Bank Performance: Empirical Evidence from Iraq

2021 ◽  
Vol 3 (1) ◽  
pp. 58-67
Author(s):  
Noor Hashim Mohammed Al-Husainy ◽  
Hamid Mohsin Jadah
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Fixed Effects ◽  
Stock Exchange ◽  
Liquidity Risk ◽  
Bank Performance ◽  
Bank Profitability ◽  
Dynamic Panel Model ◽  
Credit Risks ◽  
Generalized Methods Of Moments

The main objective of this paper is to study the effect of liquidity risk and credit risk on the profitability of commercial banks in Iraq. The sample is 18 private commercial banks listed in Iraqi Stock Exchange for six years for the period 2010 to 2020. This paper especially focuses on Iraqi commercial private Banks. The dependent variable is bank performance is measured by return on asset (ROA) and independent variables are, liquidity risks, credit risks. This paper employs a dynamic panel model, using Generalized Methods of Moments (GMM) panel data regression of Fixed-effects models. Furthermore, the findings illustrate that liquidity risk has a positive significant association with bank profitability. Meanwhile, credit risk has an adverse significant association with bank profitability. This paper contributes to the debate of risk management as well as determinants of bank performance from several dimensions. First, this study is the first to investigate the impacts of liquidity risks on bank performance in Iraq. Secondly, this is the first study that investigates the impacts of credit risks on bank performance in Iraq. It is hoped that the result of this paper can fill the gap of the literature on the association between liquidity risks, credit risks, and bank performance.

scholarly journals Pengaruh ROA, NPM, EPS Terhadap Return Saham Pada Emiten Jakarta Islamic Index Tahun 2010-2013

2015 ◽  
Vol 2 (4) ◽  
pp. 340
Author(s):  
Rianti Syahputri ◽  
Leo Herlambang
Keyword(s):  
Regression Analysis ◽  
Stock Return ◽  
Secondary Data ◽  
Exogenous Variable ◽  
Quantitative Approach ◽  
Profit Margin ◽  
Endogenous Variable ◽  
Financial Report ◽  
Net Profit ◽  
Annual Financial Report

The purpose of this research is to investigate the significant effect of the variables Return On Asset and Net Profit Margin as well as the Earning Per Share partially and simultaneously to the stock return of sharia stock that were listed on Jakarta Islamic Index period 2010-2013. The approach that is used is the quantitative approach using regression analysis the data panel with four variables return on asset, net profit margin and earning per share as exogenous variable and stock return as endogenous variable. The companies that are used for this research are Astra Agro Lestari Tbk, Astra Internasional Tbk, Alam Sutera Realty Tbk, Charoen Pokphand Indonesia Tbk, Indocement Tunggal Prakarsa Tbk, Indo Tambangraya Megah Tbk, Kalbe Farma Tbk, Lippo Karawaci Tbk, PP London Sumatra Indonesia Tbk, Tambang Batubara Bukit Asam (Persero) Tbk, Semen Indonesia (Persero) Tbk, Telekomunikasi Indonesia (Persero) Tbk, United Tractors Tbk, Unilever Indonesia Tbk. The data that is used is a secondary data. All data are gathered from the annual financial report of the period 2010-2013.

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