scholarly journals PERAN KECUKUPAN MODAL (CAR) MEMEDIASI PENGARUH RESIKO KREDIT TERHADAP PROFITABILITAS

2021 ◽  
Vol 4 (1) ◽  
pp. 12-32
Author(s):  
I Dewa Nyoman Usadha
Keyword(s):  
Credit Risk ◽  
Direct Effect ◽  
Financial Institution ◽  
Capital Adequacy ◽  
Research Needs ◽  
Negative Results ◽  
Research Gap ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

The purpose of this study was to analyze the effect of credit risk on profitability. The relationship of the effect of credit risk on profitability (ROA) in a number of studies that have been developed found the effect of credit risk on profitability with negative results and there is also a significant positive effect. This research gap in current research needs to be mediated by new viables, so that credit risk does not affect the decline in the level of profitability. The mediating variable is Capital Adequacy (CAR).The results of the analysis of the Effect of Credit Risk on Profitability with Capital Adequacy as a Mediation Variable show that CAR is able to mediate the direct effect of NPL on ROA. Where the direct effect of NPL on ROA was originally valued at -0.562, but after the presence of CAR as a mediating variable, the effect of this relationship increased to 0.163. The more bad credit in a financial institution, the more it will cause losses. To cover this loss, the financial institution returns it from the capital it owns so that it will reduce the CAR value of the cooperative

Risiko Kredit, Likuiditas Dan Kecukupan Modal Terhadap Profitabilitas Berdampak Pada Return Saham

2017 ◽  
Vol 9 (2) ◽  
pp. 103-118
Author(s):  
Sesilya Kempa
Keyword(s):  
Credit Risk ◽  
Stock Returns ◽  
Liquidity Risk ◽  
Capital Adequacy ◽  
Bank Stock Returns ◽  
Negative Effect ◽  
Bank Stock ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

There are the problem of credit risk, liquidty risk and capital adequacy affecting the level of the bank performance. The study is aimed to find empirical evidence of the relationship of credit risk, liquidity risk and capital adequacy toward profitability and its impact to bank stock returns. This study uses causality approach with path analysis techniques to obtain results. The results showed that credit risk (NPL) has negative effect toward the profitability (ROA and ROE). While liquidity risk (LDR) has positive effect on ROA and capital adequacy (CAR) affects neghatively toward ROE. Furthermore, ROA negatively affects stock returns and ROE has positive effect on stock return.

scholarly journals The Effects Of Ownership Structure And Listed Status On Bank Risk In China

2013 ◽  
Vol 29 (3) ◽  
pp. 695 ◽  
Author(s):  
Maoyong Cheng ◽  
Hong Zhao ◽  
Junrui Zhang
Keyword(s):  
Regression Analysis ◽  
Credit Risk ◽  
Ownership Structure ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Bank Risk ◽  
Capital Adequacy Ratio ◽  
Asset Quality ◽  
Relationship Of ◽  
The Relationship

This paper investigates the relationship of ownership structure, listed status and risk by using regression analysis based on the relevant data of Chinas commercial banks. Three main results emerge. First, compared to the state-owned banks, foreign-owned commercial banks exhibit better asset quality, lower credit risk and higher capital adequacy ratio; city commercial banks have lower credit risk and joint-stock commercial banks have lower credit risk and capital adequacy ratio. Second, listed status improves the asset quality and capital adequacy ratio. Finally, we also find that the listed status significantly moderates the relationship between ownership structure and risk. In conclusion, this study provides a theoretical reference for the reform of Chinas commercial banks.

scholarly journals Credit Risk Oracle: The Bifocal Approach

2019 ◽  
Vol 1 (1) ◽  
pp. 29-42
Author(s):  
Areeba Khan ◽  
Zulaiha A. Zubair ◽  
Erum Fayyaz ◽  
Iffat Hussain
Keyword(s):  
Credit Risk ◽  
Industrial Sector ◽  
Capital Adequacy ◽  
Economic Variables ◽  
Return On Equity ◽  
Moderation Effect ◽  
Domestic Credit ◽  
Investment Capital ◽  
Relationship Of ◽  
The Relationship

This study aims to examine the macroeconomic and bank specific predictors of Credit Risk (NPL) and their relevant degree of impact on banks in Pakistan. For bank variables a sample of big 10 banks has been taken from 2009 to 2018. For macro-economic variables sample of 2009 to 2018 has been taken from the world bank. As financial institutions play their role to support industries and alleviate poverty in a country, this study checks the effect of banking variables as well as the economic variables on the credit risk of banks by taking industrial sector growth as a moderator. The study found that NPLs are negatively associated with Lending interest rate, Bank investment, Capital adequacy ratio, Domestic credit to private sector, Financial depth and GDP growth while positively associated with Lending capability, Return on equity, Interest spread and Liquidity Ratio. The moderation effect of Industrial sector growth on the relationship of Lending Capability and NPLs is found to be strengthening the relationship.

scholarly journals Determinan Profitabilitas Bank Umum Syariah Di Indonesia Dengan Tingkat Likuiditas Sebagai Variabel Intervening

2021 ◽  
Vol 2 (2) ◽  
pp. 131-149
Author(s):  
Sasabila Tisat Anisa ◽  
Saiful Anwar
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Capital Adequacy Ratio ◽  
Net Profit ◽  
Financing Risk ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

This research aims to analyze the effect of capital adequacy ratio (CAR), financing risk (NPF), and operational efficiency (BOPO) on profitability (ROA) with liquidity level (FDR) as an intervening variable in Islamic commercial banks (ICB) in Indonesia in 2015 to 2019. The data used is secondary data in panel data, taken from the annual reports published by each ICB official website. Data analysis used multiple linear regression and path analysis. The results of this study found that CAR has a negative effect on ROA, NPF has a negative effect on ROA, BOPO has a negative effect on ROA, FDR has a positive effect on ROA, CAR has a negative effect on FDR, NPF has a negative effect on FDR, BOPO has a positive effect on FDR liquidity. At the same time, FDR cannot be an intervening variable in the relationship of CAR, NPF, BOPO to ROA. This research provides insight for ICB in maintaining the value of NPF and BOPO to increase the company's net profit.

scholarly journals Capital structure and profitability: An empirical study of South African banks

2016 ◽  
Vol 14 (1) ◽  
pp. 8-19 ◽  
Author(s):  
Kudzai Raymond Marandu ◽  
Athenia Bongani Sibindi
Keyword(s):  
Capital Structure ◽  
Credit Risk ◽  
South African ◽  
Time Series Data ◽  
Emerging Market ◽  
Strong Relationship ◽  
Capital Adequacy ◽  
Series Data ◽  
Bank Capital ◽  
The Relationship

The bank capital structure debacle in the aftermath of the 2007-2009 financial crises continues to preoccupy the minds of regulators and scholars alike. In this paper we investigate the relationship between capital structure and profitability within the context of an emerging market of South Africa. We conduct multiple linear regressions on time series data of big South African banks for the period 2002 to 2013. We establish a strong relationship between the ROA (profitability measure) and the bank specific determinants of capital structure, namely capital adequacy, size, deposits and credit risk. The relationship exhibits sensitivity to macro-economic shocks (such as recessions), in the case of credit risk and capital but is persistent for the other determinants of capital structure.

scholarly journals Who can enjoy the unavoidable emotional labor

2014 ◽  
Vol 27 (4) ◽  
pp. 719-742
Author(s):  
SeungGeun Baeck ◽  
KangHyun Shin ◽  
JongHyun Lee ◽  
ChangGoo Heo
Keyword(s):  
Work Engagement ◽  
Emotional Labor ◽  
Negative Emotion ◽  
Job Burnout ◽  
Self Monitoring ◽  
Main Effect ◽  
Relationship Of ◽  
Main Effects ◽  
The Relationship ◽  
Positive Effect

The purpose of this study was to examine the positive effect of self-monitoring among emotional display rules (fostering positive emotion(FPE) & suppressing negative emotion(SNE)) and consequential work attitude (job burnout & work engagement). A sample of 191 hotel employees were participated in this study and data were analyzed by SPSS. The results are as follows. First, the main effect of FPE on work engagement was supported, but the main effect of SNE on job burnout was not. Second, the main effects of self-monitoring on engagement and burnout were supported. Third, the moderation effects of self-monitoring which buffer the relationship of SNE on burnout and which facilitate the relationship FPE on engagement were significant. Finally, the implications and limitations were discussed.

scholarly journals The Moderating Role of Intellectual Capital between Relationship of Bank Specific Factors and Credit Risk of Islamic Banks

2019 ◽  
Vol 2 (4) ◽  
pp. 79-87
Author(s):  
Muhammad Nawaz ◽  
Alias Mat Nor ◽  
Habibah Tolos
Keyword(s):  
Credit Risk ◽  
Intellectual Capital ◽  
Management Policy ◽  
Annual Reports ◽  
Future Research ◽  
Islamic Banks ◽  
Relationship Of ◽  
The Relationship ◽  
Moderating Role

Purpose-The Objective of this study is to investigate the moderating role of Intellectual Capital between the relationship of Bank internal factor and Credit Risk in Islamic banks of Pakistan. Design/Methodology-Panel data are obtained from annual reports of 4 Islamic banks of Pakistan from the period 2006 to 2017. These are analyzed using hierarchical regression techniques, via Eviews 9 software. Findings-The results showed that intellectual capital significantly moderates the relationship of bank internal variable and credit risk in Islamic banks in Pakistan. Practical Implications-The study found that Intellectual Capital is a very important driver for credit risk. The investment in Intellectual Capital may lower the credit risk which will further help in the growth and sustainability of the bank and hence the growth in the economy. The results of the study will be useful for bank management, policy maker, and regulator and academia for future research.

Tongues, a Sign for Unbelievers?: A Structural and Exegetical Study of I Corinthians XIV. 20–25

1979 ◽  
Vol 25 (2) ◽  
pp. 180-203 ◽  
Author(s):  
B. C. Johanson
Keyword(s):  
The Other ◽  
Logical Relation ◽  
Other Hand ◽  
Positive Sense ◽  
Negative Effect ◽  
Relationship Of ◽  
The Relationship ◽  
Negative Sense ◽  
Positive Effect

I Corinthians xiv. 20–25 has long posed severalcruces interpretationisfor commentators. The basic problems concern the relationship of the assertions made about tongues and prophecy in υ. 22 to the quotation of Isa. xxviii. 11–12 in υ. 21 and to the illustrations concerning tongues and prophecy in υυ. 23–5. As to the quotation, J. Ruef remarks that most commentators admit to the difficulty of seeing how it substantiates Paul's conclusion that tongues are meant as a sign for the unbeliever. Concerning the illustrations, both J. Héring and J. P. M. Sweet note that in the light of the assertions we would expect them to be the reverse of what they are. While tongues are asserted to be meant as a sign for unbelievers and prophecy for believers, the illustrations depict the negative effect of tongues upon unbelievers and the positive effect of prophecy not on believers but upon unbelievers. The second assertion (υ. 22b) in particular contradicts the second illustration (υυ. 24–5) in that it clearly states that ‘prophecy is meant as a signnot for unbelieversbut for believers’. This is so if σημεĩον is taken in a positive sense. If, on the other hand, it is taken in a negative sense, the logical relation of this second illustration to the second assertion becomes ambiguous.

scholarly journals Pengaruh Kecukupan Modal, Penyaluran Kredit dan Ukuran Perusahaan Pada Profitabilitas Dengan Risiko Kredit Sebagai Pemoderasi

2019 ◽  
pp. 791
Author(s):  
A. A. Trisha Dewi Parasthiwi ◽  
I Gusti Ayu Nyoman Budiasih
Keyword(s):  
Regression Analysis ◽  
Credit Risk ◽  
Sampling Method ◽  
Stock Exchange ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Company Size ◽  
Analysis Technique ◽  
Distribution Company ◽  
Positive Effect

This research was conducted at banking companies listed on the Indonesia Stock Exchange in the period 2013-2017, which were 42 companies. The sampling technique in this study was taken based on non probability sampling method with purposive sampling technique so as to produce a sample of 32 companies. The data analysis technique used in this study was moderated regression analysis. Based on the results of the analysis it was found that capital adequacy has a positive effect on profitability, credit distribution has a positive effect on profitability and firm size has a positive effect on profitability. The results of this study also show that credit risk is not able to weaken the influence of capital adequacy and lending to profitability and credit risk is able to weaken the influence of company size on profitability. Keywords: capital adequacy, credit distribution, company size, credit risk, profitability

Human factor and information security in higher education

2014 ◽  
Vol 16 (3) ◽  
pp. 210-221 ◽  
Author(s):  
Efthymia Metalidou ◽  
Catherine Marinagi ◽  
Panagiotis Trivellas ◽  
Niclas Eberhagen ◽  
Georgios Giannakopoulos ◽  
...  
Keyword(s):  
Higher Education ◽  
Information Security ◽  
Computer Security ◽  
Human Factors ◽  
Pearson Correlation ◽  
Field Research ◽  
Content Type ◽  
Relationship Of ◽  
The Relationship ◽  
Positive Effect

Purpose – The purpose of this paper is to investigate the association of lack of awareness and human factors and the association of lack of awareness and significant attacks that threat computer security in higher education. Design/methodology/approach – Five human factors and nine attacks are considered to investigate their relationship. A field research is conducted on Greek employees in higher education to identify the human factors that affect information security. The sample is consisted of 103 employees that use computers at work. Pearson correlation analysis between lack of awareness and nine (9) computer security risks is performed. Findings – Examining the association of lack of awareness with these attacks that threat the security of computers, all nine factors of important attacks exert significant and positive effect, apart from phishing. Considering the relationship of lack of awareness to human factors, all five human factors used are significantly and positively correlated with lack of awareness. Moreover, all nine important attacks, apart from one, exert a significant and positive effect. Research limitations/implications – The paper extends understanding of the relationship of the human factors, the lack of awareness and information security. The study has focused on employees of the Technological Educational Institute (TEI) of Athens, namely, teachers, administrators and working post-graduate students. Originality/value – The paper has used weighted factors based on data collection in higher education to calculate a global index for lack of awareness, as the result of the weighted aggregation of nine (9) risks, and extends the analysis performed in the literature to evaluate the effectiveness of security awareness in computer risk management.

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