Banking Companies Research Articles

Pengaruh Kredit Macet, Tingkat Efisiensi dan Likuiditas Terhadap Profitabilitas: Studi pada Perbankan Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2020-2022

The purpose of this study was to determine how the influence of Bad Debt, Efficiency Level and Liquidity on Profitability both partially and simultaneously. The data used in this study are secondary data in the form of financial statement data on conventional public banking companies listed on the Indonesia Stock Exchange for the period 2020-2022. The research methods used are descriptive and associative methods with a quantitative approach. The sampling technique used in this study used a non-probability sampling approach with purposive sampling method. The data analysis techniques used are multiple correlation coefficient test, coefficient of determination, multiple linear regression test, partial test (t test) and simultaneous test (f test). Based on the results of the study, it shows that from the partial test (t test) Bad Credit (NPL) shows a result of 0.294 where tcount 1.065 < t table 2.024 with a significance value of 0.294, then the Efficiency Level shows a result of 0.000 where tcount 22.440 < t table 2.024 with a significance value of 0. 000, then Liquidity shows a result of 0.002 where tcount 3.396 < ttable 2.024 with a significance value of 0.002. the conclusion is that Bad Debt partially has no effect on Profitability while the Efficiency Level, Liquidity partially has an effect on Profitability.

Analisis Penyaluran Kredit, dan Kredit Macet terhadap Profitabilitas: Studi Keuangan Pada Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2023

The aim of this research is to analyze credit distribution and bad credit on profitability in the banking sector listed on the Indonesia Stock Exchange (BEI). The method used in this research is descriptive and associative research methods with a quantitative approach. The population in this research is banking sector companies listed on the Indonesia Stock Exchange (BEI) for the 2023 period, with the number of samples used in this research being 39 banking companies listed on the Indonesia Stock Exchange for the 2023 period. The data collection technique used is by using data secondary obtained from documentation and literature study. By using the perposive sampling method. Using IBM SPSS Version 25 software, as a data analysis technique tool. The results of this research show that the credit distribution variable (X1) has a positive and significant effect on profitability, and the bad credit variable (X2) has a negative and significant effect on profitability. So all hypotheses are accepted

Future of knowledge management in investment banking: Role of personal intelligent assistants

Purpose: The study’s objective focuses on investigating the involvement of Personal Intelligent Assistants (PIAs) in the Knowledge Management Process (KMP) in Investment Banking Companies leading to Industrial Revolution 5.0 leading to effective Organizational Knowledge Management. Design/Methodology: A Self-administered Survey Questionnaire was circulated to 695 employees of Investment Banking Companies operating in Bangalore, Mumbai, Delhi, Hyderabad, Chennai, and Pune using the Cluster Sampling method. The Covariance-based Structural Equation Modelling (CB-SEM) and Gradient Boosting Regression technique of Machine Learning were used to validate the hypothesis through JASP V.18 Software. Knowledge Creation, Knowledge Sharing, Knowledge Retrieval, Knowledge Application, and Organizational Knowledge Management are the crucial constructs considered in the study. Findings: The results revealed that Knowledge Application is the most influencing factor in effective organizational Knowledge management among the Investment Banks followed by Knowledge Sharing. It also emphasizes that they have a weak Knowledge retrieval process and minimal efforts taken to create knowledge within these banks. Implications: The PIAs can facilitate effective Data Analysis and research in managing vast data eliminating the repeated tasks in portfolio reconciliation and offering personalized recommendations to manage portfolios. It enables in compliance, risk management, client relationship management, real-time monitoring and leveraged decision-making through predictive analysis.

Assessing the Impact of Leverage Ratio on Banking Efficiency in Indonesia

This study analyzes the significance of the leverage ratio on the efficiency of banking companies with the aim of assessing the readiness and suitability of banking companies in facing the implementation of Basel 4 or Basel 3.1. Data from 47 banking companies in Indonesia from the period 2008 to 2023 were used as material for this study. The data used in the research were analyzed using the Dynamic Stochastic Frontier (DSF) method. This method allows for more accurate efficiency analysis by avoiding assumptions of technology at different times. The researchers hypothesize that banking companies with a leverage ratio level higher than the minimum limit applied in BASEL have better efficiency, and the results of this study show corresponding results within the leverage ratio limit of 20%.

Analysis of the Effect of Good Corporate Governance Mechanisms and Financial Performance on the Disclosure of Sustainability Reports with Firm Size as a Moderating Variable in Banking Companies Listed on the Indonesia Stock Exchange 2017-2022

The purpose of this study was to test and analyze the effect of Good Corporate Governance (GCG) and others: managerial ownership, number of Board of Commissioners and Audit Committee, and Financial Performance, which included ROA and ROE on company sustainability in banking sub-sector companies listed on the Indonesia Stock Exchange. In addition, this study also aims to determine whether the firm size can be used as a moderation variable to strengthen or weaken the relationship between good corporate governance (GCG) and the financial performance of the company's sustainability. This research is a type of quantitative research with a descriptive approach. Purposive sampling techniques were used from 47 banking companies in the IDX, and 19 banks were included in the research sample within 6 years of the period. The data used are secondary data and data collection methods, accessed by accessing the IDX's 2017-2022 annual report. The results of this study show that good corporate governance (GCG) has no significant effect on sustainability. The audit committee has no significant effect on sustainability reports. Managerial ownership has a significant effect on sustainability reports, independent commissioners have no significant effect on sustainability reports, the Board of directors has no significant effect on sustainability reports, and financial performance has a significant effect on sustainability reports, where ROA and ROE have a significant effect on sustainability reports. Firm size can moderate the influence of GCG and financial performance with sustainability reports. Keywords: good corporate governance, audit committee, board of commissioners, managerial ownership, financial performance, ROA, ROE, sustainability report, and firm size

The Influence Of Intellectual Capital And Leverage On Financial Performance In Banking Companies Listed On The Indonesian Stock Exchange

This study aims to analyze the influence of intellectual capital, institutional ownership and leverage on financial performance in banking companies listed on the Indonesia Stock Exchange. The Financial Performance of Banking Companies is measured using Return on Equity (ROE) as the main indicator. The data used in this study are secondary data obtained from the annual reports of banking companies listed on the IDX during the 2019-2022 period through the website www.idx.co.id. The analysis method used in this study is multiple linear regression. The results of the study simultaneously show a significant, which means that intellectual capital, institutional ownership and leverage simultaneously affect the financial performance of banking companies listed on the Indonesian Stock Exchange. The results of the study partially show a significant, which means that intellectual capital and institutional ownership have a positive and significant effect on the financial performance of banking companies, while leverage has a negative and significant effect on the financial performance of banking companies listed on the Indonesian Stock Exchange. It is expected that further research can use other independent variables, such as liquidity and company size with different observation periods.

The Role of Corporate Governance in Banking Performance: Highlighted During the Covid Pandemic (Evidence in Indonesian Bank)

The study aims to analyze the impact of board size, number of non-executive Directors on Board, and Size of the Audit Committee on Return on Assets (ROA) and Tobin’s Q on banks listed on the Indonesian Stock Exchange between 2019 and 2022. The research method used is descriptive statistical analysis and regression test on a sample of 11 banking companies in Indonesia. The data used included relevant variables such as board size, non-executive director composition, audit committee size, ROA, and Tobin’s Q. The results of the analysis show that board size has a significant influence on ROA. However, board size had no significant influence on Tobin’s Q. Furthermore, the number of non-executive directors on board also proved to have a significant influence on ROA. However, the number of non-executive directors on board did not have a significant influence on Tobin’s Q. In addition, the size of the udit Committee also proved to have a significant influence on ROA and Tobin’s Q. The larger size of the Audit Committee provides more effective supervision, better risk management, and transparency in financial reporting, which has a positive impact on the company’s financial performance and market assessment. These findings have important implications that other factors, such as business strategies, risk management policies, or broader external factors, may also influence the company’s performance. Keywords: board size, number of non-executive directors on board, size of audit committee, return on assets, Tobin’s Q, Bank, Indonesia stock exchange

The Impact of Return on Asset (ROA), Capital Adequacy Ratio (CAR), Price-Earnings Ratio (PER), and Price-To-Book Value (PBV) on Stock Prices of Banking Companies Listed on the LQ45 Index during 2019- 2023

This study aims to analyze the influence of Return on Asset (ROA), Capital Adequacy Ratio (CAR), Price Earning Ratio (PER), and Price to Book Value (PBV) on the stock price of banking companies listed on the LQ45 index from 2019 to 2023. This research employed a quantitative method, utilizing secondary data collected from financial reports and stock prices of banking companies included in the LQ45 index, which were listed on the Indonesia Stock Exchange (IDX) and published during the 2019- 2023 period. The data was obtained from the official website of the Indonesia Stock Exchange. The population of this study consisted of 5 banking companies that met the specified criteria. Multiple linear regression analysis, using SPSS software, was employed to analyze the data. The findings revealed that Return on Asset (ROA) had a significant positive influence on the stock price, while Capital Adequacy Ratio (CAR) had a significant negative impact. Price Earnings Ratio (PER) was found to have no significant effect on the stock price, and Price to Book Value (PBV) had a significant positive influence. Furthermore, Return on Asset (ROA), Capital Adequacy Ratio (CAR), Price Earnings Ratio (PER), and Price to Book Value (PBV) jointly had a significant impact on the stock price.

Comparative Analysis Of Stock Prices, Stock Returns, And Stock Liquidity Before And After The Stock Split In Banking Companies Listed On The Idx In 2021-2023

This research seeks to compare stock prices, abnormal returns (as a proxy for stock returns), and trading volume activity (TVA) (as a proxy for liquidity levels) before and after a stock split. Utilizing an event study approach, observations were conducted on the average stock prices, abnormal returns, and TVA for five days before and five days after the stock split. Secondary data were employed with purposive sampling techniques. The data utilized in this study comprise the stock split announcement dates, which are treated as the event date (t+0), the daily closing stock prices of companies undergoing stock splits within the observation period, the daily traded share volume, the total shares outstanding, and the daily Composite Stock Price Index (IHSG). The sample consisted of three banking companies listed on the IDX that carried out stock splits between 2021 and 2023. The results reveal no significant differences in stock prices, abnormal returns, and TVA before and after the stock split.

The Effect of Inflation, Interest Rates and Non-Performing Loans On Stock Returns Through Profitability In Banking Companies Indonesia Period 2018-2022

Even if the Indonesian economy has grown and the stock market has improved after COVID-19, banking stock returns in Indonesia have remained stagnant. The returns on Indonesian banking stocks in 2022 were much lower than in prior years. Identifying the internal and external variables that contributed to the fall in these shares is an obvious challenge. The purpose of this study is to investigate how return on assets (ROA) acts as a mediator between inflation, interest rates, non-performing loans, and stock returns. Thirty businesses make up the sample for this study, which employs testing methodologies including multiple regression and route analysis. Additionally, in order to find the indirect impact, the Sobel test must be used. This study found that stock returns are positively affected by inflation and return on assets, but unaffected by interest rates and non-performing loans. Unlike inflation and interest rates, return on assets can moderate the impact of non-performing loans on stock returns. stock performance. Things that could affect future returns should be carefully considered by investors.

Effect of Asset Quality, Rentability, and Liquidity on the Book Value of Bank Companies Listed on the IDX in 2015-2020

<span lang="EN-US">The purpose of this study is to measure how strong the impact of asset quality, profitability, and liquidity is on a company's book value. This research study utilized secondary data sourced from the Bank's annual reports for 6 years (2015-2020) as a sample of 23 banks equivalent to 138 data which were then analyzed using statistical tests. The results of the data test show that NPL, ROE, ROA, OER, and LDR together have a positive significant impact on the Book Value of Shares, individually NPL has a significant positive impact, ROE has a significant positive impact, ROA has a positive and significant impact, OER has no impact and liquidity has a significant positive impact on the Book Value of Shares. Asset quality, profitability and liquidity scores are indicators of financial performance that can be used by fund owners to determine the condition of a bank's financial health when investing in banking stocks based on the right decisions.</span>

Measuring the impact of enterprise risk management on performance, value, and risk indicators of Borsa Istanbul XBANK companies with data mining prediction models

Risk management (RM) is viewed by organizations from a holistic perspective instead of a silo-based point of view and a change in basic assumptions has occurred in recent years. The comprehensive approach to RM that is developed based on a holistic perspective and is adopted by companies is called enterprise risk management (ERM). From the general point of view, it is expected that companies will have sustainable operations, improved performance and value, and controlled risks by using the ERM concept. In this article, the relations of ERM adaptation with firm performance, firm value, and risks were researched through ordinal variables such as the implementation level of ERM and the sophistication level of the organizational structure of ERM in regression models based on panel data (PD). Empirical evidence depending on a sample of ten banking companies listed on the Borsa Istanbul (BIST) Banks index (XBANK) for the period from 2019 to 2022 confirms the above basic argument for firm performance, firm value, and the insolvency risk of banks in general terms. In addition, the prediction accuracy of PD models is calculated for the performance, value, and risk indicators of banks, and the partial least squares regression model is proposed as the alternative prediction model of data mining.

Pengaruh Intellectual Capital dan Hedging Terhadap Nilai Perusahaan dengan Profitabilitas Sebagai Variabel Intervening

In a modern economy full of knowledge and technological developments, intellectual capital is seen as a source of value creation and sustainable competitive advantage. This research aims to analyze the influence of human capital, capital employed, structural capital and hedging on the value of banking companies in Indonesia with profitability as an intervening variable. This research uses secondary data obtained from company financial reports for 2014- 2021. The analysis technique used is multiple linear regression, path analysis and Sobel test with the help of the Eviews 12 program. The research results show that human capital, capital employed, structural capital have a positive effect on profitability but have no effect on company value. Other results show that hedging has no effect on profitability and company value. Research also shows that profitability is able to mediate the relationship between capital employed and structural capital on company value. However, profitability is not able to mediate the relationship between human capital and hedging on company value. A limitation in this research is that some companies do not include the notional value of derivatives as a hedging measurement in their financial reports.

Impact of Work-Life Balance, Job Satisfaction, and Stress Levels on Employee Retention in Banking Sector Companies

This study examines the impact of work-life balance, job satisfaction, and stress levels on employee retention in the banking sector. Utilizing a sample of 300 banking employees, data were collected through structured questionnaires and analyzed using multiple regression analysis. The findings indicate that work-life balance and job satisfaction have significant positive effects on employee retention, while stress levels negatively affect retention. Work-life balance emerged as the strongest predictor of retention, followed by job satisfaction. The results highlight the importance of creating a supportive work environment to improve retention rates in the banking industry. Practical implications suggest that banking companies should focus on fostering employee well-being and reducing workplace stress to retain talent. This study contributes to the existing literature on employee retention by providing insights into the banking sector, offering managerial strategies to reduce turnover, and enhancing overall employee satisfaction.

VALUE OF THE COMPANY : THE MEDIATING RETURN ON EQUITY

The grand theory in this research was built by combining Signal Theory, Stakeholder Theory, and Agency Theory as a conceptual basis for hypothesis development. Signal Theory highlights how information companies convey, such as implementing Good Corporate Governance (GCG), can influence investor confidence and investment decisions. This study aims to analyze the impact of CSR and GCG on company value (Tobin's Q), mediated by financial performance, with a focus on Islamic Social Responsibility (ISR), Independent Board of Commissioners (IBC), and Institutional Ownership (IO). They are using a quantitative method. The data is derived from the annual financial reports of 39 banking companies listed on the Indonesia Stock Exchange (IDX) from 2017 to 2021. The purposive sampling technique was chosen to ensure that the sample used was relevant and could provide valid data to test the relationship between the variables studied and answer the research hypothesis comprehensively. Secondary data was collected from www.idx.co.id, and path analysis was employed as the analytical method. The findings reveal that CSR, ISR, IBC, and IO positively and directly influence company value (Tobin's Q). These results underscore the critical role of CSR and GCG in shaping a company's financial performance and market value.

Pengaruh Independensi Dan Gender Komite Audit Terhadap Audit Delay

The influence of audit committee independence and gender on audit delay is the subject of this research. This research was conducted using a quantitative approach combined with a descriptive approach. For this research, the data used was secondary data and the sampling technique used was purposive sampling. This research examines 33 banking companies over a period of 4 (four) years. The results of this research are that independence has a negative effect on audit delay and audit committee gender has a negative effect on audit delay. Therefore, it can be concluded that if the company has an audit committee that is independent then this can reduce the occurrence of audit delays and if the company has more female audit committees then this can reduce the occurrence of audit delays.This research aims to determine the influence of audit committee independence and gender on audit delay.

Pengaruh Religiusitas terhadap Minat Menjadi Nasabah pada Bank Indonesia Provinsi Kalimantan Selatan dengan Syariah Financial Literacy Dan Financial Behavior Sebagai Variabel Mediasi (Studi Kasus pada Bank Syariah Indonesia KCP Tapin)

Religiosity can be a factor that influences a person's interest in becoming a customer in a sharia banking company, including Bank Syariah Indonesia (BSI). South Kalimantan Province is one of the regions that has the highest religiosity with a Muslim population of 96.7%. Likewise, sharia financial literacy will be one of the determining factors for this interest. Data also shows that the level of sharia financial literacy in South Kalimantan Province always increases every year. Then the financial behavior factor or financial behavior will also increase this interest. The aim of this research is to determine the influence of religiosity on interest in becoming a customer at Bank Syariah Indonesia (BSI) South Kalimantan Province with sharia financial literacy and financial behavior as mediating variables. This research is quantitative in type. The population is BSI KCP Tapin (South Kalimantan) customers with a sample of 190 people. The sampling technique uses non-probability sampling with a purposive sampling method, the data collection technique uses a questionnaire and is processed using SmartPLS and analyzed using partial least squares (PLS) analysis. The results of this research found that partially, religiosity, sharia financial literacy and financial behavior had a direct influence on interest in becoming a BSI KCP Tapin customer with a positive and significant value. Religiosity has a direct effect on sharia financial literacy and religiosity has an indirect effect on interest through sharia financial literacy as a positive and significant mediating variable. Sharia financial literacy has a direct effect on financial behavior and sharia financial literacy has an indirect effect on interest through financial behavior as a mediating variable.

Company Size, Managerial Ownership, Sustainability Report on Financial Performance with Operational Efficiency as an Intervening

The aim of this research is to examine the influence of company size, managerial ownership, and Sustainability Report on the financial performance of banking companies in Indonesia, with operational efficiency as an intervening variable. The population for this study comprises banking companies listed on the Indonesia Stock Exchange (IDX) from 2018 to 2022. Data collection was conducted using purposive sampling, resulting in a sample of 13 companies and a total of 65 observations. The analysis technique employed is panel data regression. Microsoft Excel and E-views 13 were used for data processing. The research findings indicate that, partially, company size and managerial ownership have a positive effect on operational efficiency. However, the Sustainability Report does not significantly affect operational efficiency. Furthermore, company size and operational efficiency are empirically proven to have a positive impact on financial performance. Meanwhile, managerial ownership and Sustainability Report do not significantly influence financial performance. Company size and managerial ownership, mediated by operational efficiency, positively impact financial performance, while Sustainability Report which mediated by operational efficiency, does not significantly affect financial performance.

KEMAMPUAN RASIO KEUANGAN DALAM MEMPREDIKSI PERTUMBUHAN LABA PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2012-2017

The research aims to: (1) test and prove the ability of the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), capability Operations on operating income (BOPO), Net Interest Margin (NIM), Return On Asset (ROA) and Return On Equity (ROE) in predicting profit growth Registered Banking Company in IDX. A research sample is a banking company listed on the Indonesia Stock Exchange. Data analysis methods use multiple linear regression analyses. From the research results are known that: (1) Capital Adequacy Ratio (CAR) is not able to predict the profit growth of registered banking companies in IDX: (2) Loan to Deposit Ratio (LDR) is not able to predict the profit growth of the banking company Registered in the IDX: (3) Non-Performing Loan (NPL) is not able to predict the profit growth of registered banking companies in IDX: (4) operating expenses on operating income (BOPO) is not able to predict the profit growth of the banking company Registered in IDX: (5) Net Interest Margin (NIM) is not able to predict the profit growth of registered banking companies in IDX: (7) Return On Equity (ROE) is able to predict the profit growth of the IDX-registered banking company

The Effect of Company Size on Profitability with Capital Structure as a Moderating Variable in Islamic Banks

The study aims to analyze the impact of corporate size on profitability with capital structure as a moderation variable on sharia banks in Indonesia. The secondary data used came from the annual financial reports of Bank Syariah Indonesia (BSI) and Bank Muamalat Syariah (BMS) for the period 2020-2023. This research method uses simple linear regression analysis and Moderated Regression Analysis (MRA). The results show that the size of a company measured by the natural logarithm (LN) of the total assets has a significant influence on profitability measureed by the return on assets (ROA). These findings indicate that larger companies tend to have better financial performance and are able to attract more investment. The research has made important contributions in formulating strategies to improve financial performance and attract investment in Sharia banking companies.