scholarly journals The Effect of Diversity of The Board of Commissioners on Bank Credit Risk in Indonesia

2021 ◽  
Vol 04 (09) ◽  
Author(s):  
Tri Kartika Pertiwi ◽  
Keyword(s):  
Credit Risk ◽  
Banking Sector ◽  
Gender Diversity ◽  
Sampling Technique ◽  
Bank Credit ◽  
Significant Negative Effect ◽  
Age Diversity ◽  
Negative Effect ◽  
Board Gender Diversity ◽  
Nationality Diversity

This study aims to determine: (1) the effect of board age diversity on bank credit risk, (2) the effect of board education diversity on bank credit risk, (3) the effect of board gender diversity on bank credit risk, and (4) the effect of board nationality diversity on bank credit risk. The population in this study are banking sector companies listed on the Indonesia Stock Exchange (IDX) in the 2014-2018 period. The sampling technique in this study used census sampling with a total sample of 37 banks. Data is collected from the bank's annual report. Fixed effect period regression analysis was used to test the hypothesis of this study. The results of this study indicate that: (1) board age diversity has a significant negative effect on bank credit risk, (2) board education diversity has a significant negative effect on bank buying credit risk, (3) board gender diversity has no significant effect on risk bank credit, (4) board nationality diversity has no significant effect on bank credit risk.

scholarly journals Board Gender Diversity Dan Board Education Diversity terhadap Bank-Risk Taking

2021 ◽  
Vol 18 (2) ◽  
pp. 1
Author(s):  
Fani Khoirotunnisa
Keyword(s):  
Risk Taking ◽  
Gender Diversity ◽  
Bank Risk ◽  
Board Members ◽  
Current Debate ◽  
Significant Negative Effect ◽  
Gender And Education ◽  
Negative Effect ◽  
Board Gender Diversity ◽  
Nationality Diversity

The benefit of gender and education diversity on the board of commissioners is a subject of the current debate. This research investigates board gender diversity and board education diversity on bank risk-taking in Indonesian listed banks. Using a sample of 40 Indonesian banks over a period from 2012 to 2018, we find that board gender diversity has a significant negative effect on bank risk-taking. In contrast, the nationality diversity between bank's board members does not directly impact bank risk-taking. This study concludes that the more significant the proportion of women on the bank's board, the less risk the bank has. Keywords                    : Board Gender Diversity; Board Education Diversity; Bank Risk-TakingCorrespondence to        : [email protected]  Manfaat keberagaman jenis kelamin dan latar belakang pendidikan dewan komisaris menjadi topik perdebatan akhir-akhir ini. Penelitian ini mengkaji dampak dari keberagaman jenis kelamin dan latar belakang pendidikan dewan komisaris terhadap pengambilan risiko bank di bank-bank yang terdaftar di Indonesia. Dengan menggunakan sampel dari 40 bank di Indonesia selama periode dari 2012 hingga 2018, peneliti menemukan bahwa keragaman jenis kelamin dewan memiliki pengaruh negatif yang signifikan terhadap pengambilan risiko bank. Sebaliknya, perbedaan latar belakang pendidikan tidak berdampak langsung pada pengambilan risiko bank. Kesimpulan dari penelitian ini adalah semakin besar proporsi wanita dalam dewan komisaris bank maka semakin kecil tingkat pengambilan risiko bank. Kata Kunci                  : Board Gender Diversity; Board Education Diversity; Bank Risk-Taking

scholarly journals Return On Equity Terhadap Kinerja Perbankan Dan Nilai Emas Sebagai Variabel Moderasi

2019 ◽  
Vol 26 (02) ◽  
pp. 190
Author(s):  
Edi Winarto ◽  
Suryadi .
Keyword(s):  
Banking Sector ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Company Performance ◽  
Tobin’S Q ◽  
Tobin's Q ◽  
Return On Equity ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Indirect Relationship

This study purposes to determine the effect of Return on Equity on banking performance assessed by Tobin's Q through the value of gold, whether direct or indirect influence. This type of research is an explanatory research with a quantitative approach. The population used in this study were 40 banking sector companies listed on the Indonesia Stock Exchange from 2013 to 2018. The sampling technique used purposive sampling so that the chosen sample was 29. This study used descriptive statistical data analysis and part analysis. The results show that ROE is not a significant negative effect while Gold on Q is a significant negative effect, the indirect coefficient is 0.02139 and the Total Effect is -0.02261, it means that the actual relationship is an indirect relationship better affecting Tobin's Q (Banking Performance ) which also means that indirectly the gold value variable can drive influence on Company Performance.

Diversity and the Performance of Selected Financial Institutions of Asia

2018 ◽  
Vol 2 (1) ◽  
pp. 1
Author(s):  
Shafaque Fatima ◽  
Saqib Sharif
Keyword(s):  
Financial Institutions ◽  
Positive Impact ◽  
Financial Institution ◽  
Gender Diversity ◽  
Business Case ◽  
Ordinary Least Squares ◽  
Cross Sectional ◽  
Age Diversity ◽  
The Impact ◽  
Nationality Diversity

Linking with the business case for diversity, this study examines whether the top management team (TMT) and the board of directors (BODs) diversity has a positive impact on financial institution (FI) performance in select countries of Asia least researched domain. We use data from 119 financial institutions across Asia for the year 2015, initially 1,447 institutions; however, incomplete data was excluded from final analysis. We use three proxies for diversity, that is, nationality diversity, gender diversity, and age diversity of TMT and BODs. To investigate the impact of TMT and BODs diversity, cross-sectional ordinary least-squares estimation is applied, using Return on Average Assets (ROAA%) as a measure of performance.  We find that nationality diversity and age diversity is positively and significantly related to FIs performance. Our evidence indicates that executives and board members with diverse exposure and younger age improve FIs profitability. However, there is no significant relationship between gender and FIs performance.

scholarly journals ANALISIS LIQUIDITY CREATION PADA PERBANKAN DI INDONESIA TAHUN 2007-2013 (STUDI KASUS PADA 10 BANK BESAR DI INDONESIA TAHUN 2013)

2016 ◽  
Vol 12 (1) ◽  
pp. 76
Author(s):  
Muhammad Mirajudin ◽  
Prasetiono Prasetiono
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Banking Industry ◽  
Third Party ◽  
Bank Credit ◽  
Bank Capital ◽  
Banking Supervision ◽  
Earnings Volatility ◽  
Negative Effect ◽  
Income Instability

Problems related to banking in Indonesia today is the problem of liquidity. It is shownfrom a commercial bank credit grew 23.03% but not matched by growth in depositswhich only reached 16.56% in 2012 (Report of Banking Supervision, 2012). Therefore,this study aims to determine the liquidity creation in Indonesia as well as to analyze theinfluence of bank capital, credit risk and income instability towards liquidity creation.The samples includes 10 major banks in Indonesia with total assets of more thanRp120billion in 2013. The reason for choosing this sample because of the 10 largestbanks reflects the state of the banks in Indonesia which accounted for 65.2% of totalassets, 65.6% of total loans, and 66% of total deposits or deposits in the banking industry(PEFINDO, 2014). The results of this research note that the bank's capital and earningsvolatility is significant negative effect on liquidity creation. While the credit risk of anegative but insignificant effect on liquidity creation. In the determination coefficient testshowed that 43.6% dependent variable is the liquidity creation can be explained by theindependent variable is the capital of banks, credit risk and earnings volatility. While56.4% is explained by other variables outside the model of this study.Keywords: liquidity creation, capital of banks, credit risk, third-party funds, banks inIndonesia.

scholarly journals Dampak Bank Specific Variables Pada Rasio Non Performing Loan Dalam Sistem Perbankan Indonesia

2016 ◽  
Vol 8 (3) ◽  
Author(s):  
Anita Carolina ◽  
Muhammad Madyan
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Credit Rating ◽  
Multiple Linear Regression Model ◽  
Sampling Technique ◽  
Total Sample ◽  
Partial Regression Coefficient ◽  
Significance Level ◽  
Significant Negative Effect ◽  
Negative Effect

Conventional banks are vulnerable to non-performing loans, because the credit is the main source income of a bank. Credit risk may still occur, even though the bank's management has made efforts based credit rating 5C. The purpose of this study was to determine how much influence the variable CAR, LAR, NIM, and ROE against Non-Performing Loans (NPL) in the banking companies listed on BEI. The sampling technique used is purposive sampling with criteria: (1) a conventional commercial bank listed on the BEI 2009-2013 period, (2) the bank that issued the annual financial statements in a row in the period from 2009 to 2013, and (3) bank which has a data completeness NPL, CAR, LAR, NIM, and ROE in the period 2009-2013. Data obtained from the annual report of each bank in 2009-2013. There are a total sample of 29 banks. The analysis technique used is multiple linear regression and hypothesis testing using t-statistic to test the partial regression coefficient and F-statistic to test the effect simultaneously with a significance level of 0.05. Before being tested by multiple linear regression, first performed classical assumption of normality test data. The results showed that there were no deviations from the classical assumption test. This indicates that the available data is normal or eligible to be used as a multiple linear regression model. From the analysis, CAR and ROE have significant negative effect on the NPL and LAR have not significant negative effect on the NPL, while variable NIM have significant positive effect on the NPL.

scholarly journals Profitabilitas menjadi pemediasi untuk variabel yang mempengaruhi struktur modal (Studi pada Bank Umum Syariah di Indonesia periode 2016-2020)

2021 ◽  
pp. 160-187
Author(s):  
Indah Lestari
Keyword(s):  
Capital Structure ◽  
Commercial Banks ◽  
Sampling Technique ◽  
Significant Positive Effect ◽  
Tax Shield ◽  
Significant Negative Effect ◽  
Growth Opportunity ◽  
Negative Effect ◽  
Debt Tax Shield ◽  
Positive Effect

The purpose of this study is to find out and analyze whether there is an Influence of Liquidity, Growth Opportunity, Asset Structure, and Non Debt Tax Shield on Capital Structure with Profitability as an Intervening Variable in Islamic Commercial Banks Registered at OJK 2016-2020 ". This research is a quantitative research using data sources derived from secondary data, namely the annual report. The sampling technique used in this research is purposive sampling technique. Of the 14 Islamic commercial banks registered with the OJK, only 11 are in accordance with the sample criteria in this study. This study uses the Eviews 9 application as a tool for data processing. The analytical methods used in this research are stationarity test, panel data regression model test, classical assumption test, regression test, and path analysis test. The results obtained in this study are liquidity has a significant negative effect on capital structure. Growth opportunity and asset structure have a significant positive effect on capital structure. Meanwhile, the non-debt tax shield and profitability variables have no significant positive effect on capital structure. Liquidity has no significant negative effect on profitability, growth opportunity has no significant positive effect on profitability. Asset structure has a significant positive effect on profitability, while non-debt tax shield has a significant negative effect on capital structure. From the results of the path analysis conducted in this study, profitability was not able to mediate the variables of liquidity, growth opportunity, and non-debt tax shield on capital structure, but for the asset structure variable profitability was able to mediate the influence of asset structure on capital structure.

scholarly journals The Effect of Risks on Banking Safety: Applied Study on Jordanian Traditional Banks (2005-2016)

2017 ◽  
Vol 9 (9) ◽  
pp. 102
Author(s):  
Mohammad Abdel Mohsen Al-Afeef ◽  
Atallah Hassan Al-Ta'ani
Keyword(s):  
Interest Rate ◽  
Credit Risk ◽  
Commercial Banks ◽  
Banking Sector ◽  
Liquidity Risk ◽  
Interest Rate Risk ◽  
Bank Credit ◽  
Applied Study ◽  
Rate Risk ◽  
The Impact

Banking sector is one of the most important sectors that support the sustainable economic development in Jordan, therefore this study aimed to test the impact of risks; (Liquidity risk, bank credit risk and interest rate risk) on the safety in the banking sector in the Jordanian commercial banks during the period 2005-2016.The results of the study showed that there is a statistically significant impact for each of liquidity risk and interest rate risk on the safety in the banking sector, and there isn't statistically significant impact for credit risk on the safety in the banking sector during the period of this study, and also find that the explanatory of model was 60.5%, which means that 39.5% due to other factors.

scholarly journals The Effect of Work Stress and Workload on Employee Performance

2020 ◽  
Author(s):  
Sulas Sulastri
Keyword(s):  
Job Stress ◽  
Work Stress ◽  
Employee Performance ◽  
Sampling Technique ◽  
Analysis Techniques ◽  
Significant Negative Effect ◽  
Negative Effect ◽  
Saturated Sample ◽  
Multiple Analysis

The title of this research is the Effect of Job Stress, and Workload, on EmployeePerformance at the Honda Astra Motor Dealer in Bengkulu City. This research is basedon the importance of the company to minimize work stress and workload faced byemployees, so that later employee performance will improve. This study aims todetermine the effect of work stress and workload on employee performance.The population of this study is all employees of the Honda Astra Motor Dealer BengkuluCity, amounting to 30 people. The sampling technique used is Cencus sampling (censussample, saturated sample). Cencus sampling (census sample, saturated sample). Is asampling technique using all members of the population as a sample.By using multiple analysis techniques, the results of the study can be concluded that workstress has a significant negative effect on employee performance, workload has asignificant negative effect on employee performance, work stress and workload have asignificant effect simultaneously on employee performance.Keywords: Job Stress, Workload, and Employee Performance.

scholarly journals Pengaruh Biaya Produksi, Biaya Administrasi Umum, dan Biaya Pemasaran Terhadap Laba Pada Perusahaan Food and Beverages Yang Terdaftar Di Bursa Efek Indonesia

2019 ◽  
Vol 7 (2) ◽  
pp. 83-88
Author(s):  
Andri Hasmoro Kusumo Broto
Keyword(s):  
Stock Exchange ◽  
Hypothesis Test ◽  
Sampling Technique ◽  
Financial Statements ◽  
Production Costs ◽  
Administrative Costs ◽  
Significant Negative Effect ◽  
Food And Beverages ◽  
Negative Effect ◽  
Marketing Costs

AbstractThis study aims to: (a) determine the partial effect of production costs on profits in food and beverages company listed on the Indonesia Stock Exchange. (b) To determine the effect of partial general administrative costs on profits in listed food and beverages company On the Indonesia Stock Exchange. (c) To determine the effect of partial marketing costs on profits in food and beverages company listed on the Indonesia Stock Exchange. (d) To determine the simultaneous effect of production costs, general administrative costs, and costs income to the food and beverages company listed in the Indonesia Stock Exchange. The population in this study is a food and beverages company listed on the Indonesia Stock Exchange in 2017. Data collection techniques use quarterly financial statements. Sampling purposive sampling technique. Data analysis techniques use multiple linear regression and hypothesis test (t test and F test). The results show: (a) there is a partial significant negative effect on production costs on profits in the food and beverages company listed on the Indonesia Stock Exchange. (b) There is a partial significant negative effect on general administration costs on profits in the food and beverages company listed on the Indonesia Stock Exchange. (c) There is a partial significant negative effect on marketing costs on profits in the food and beverages company listed on the Indonesia Stock Exchange. (d) There is a significant negative effect simultaneously production costs, general administrative costs, and marketing costs to earnings at food and beverages company listed in Indonesia Stock Exchange. Keywords: Production Costs, General Administrative Costs, Marketing Costs, Profit

scholarly journals Analysis of the Relationship between Credit Risk and Bank Performance of Some Commercial Banks in Ghana

2020 ◽  
Vol 8 (2) ◽  
pp. 34-51
Author(s):  
Joseph Acquah ◽  
Yusif Arthur ◽  
Damianus Kofi Owusu
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Banking Sector ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Research Approach ◽  
Independent Entity ◽  
The Relationship

This study analysed the relationship between credit risk and bank financial performance of selected commercial banks in Ghana for the period 2010 - 2014, using the banks respective financial statements. The study employed the quantitative research approach. The sample was Ghana Commercial Bank Limited, Zenith Bank Limited, UT Bank and Ecobank Plc. These four banks were selected using stratified random sampling technique. The data were primarily secondary and quantitative in nature. Both descriptive and inferential statistics were used to analyse the data. When the banks were compared, Ghana Commercial Bank Limited was found to be more liquid than Zenith Bank Limited. That of Zenith bank was also higher than UT bank and Ecobank Plc .However, profitability indicators showed that Zenith Bank Limited and Ecobank Plc utilised its assets better than Ghana Commercial Bank Limited and UT bank resulting in the two banks higher scores over the period. The findings show further that Ghana Commercial Bank Limited showed higher ratios for investment in the future while Zenith Bank Limited showed higher ratios of higher dividend immediately. However, Zenith Bank Limited capital adequacy level was far higher than the legal requirement of Banking sector while its counterparts fell slightly below it in terms of average. Based on the main findings and conclusions, it is recommended that Ghana Commercial Bank Limited should find a means of reducing its expenditure, introducing prudent assets management, should be cautious when assisting government in time of economic difficulty, and operate as an independent entity.

Sign in / Sign up

Export Citation Format

Share Document