Main Effects and Interaction Effects of Bank Ownership Types and Bank Core Capital Category to the Bank NPL Performance

IF 0.5 Q4 BUSINESS

International Journal of Business Pub Date : 2021-02-16 DOI:10.32924/IJBS.V5I1.164

F. Budhijono

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引用次数: 0

Abstract

Credit management capability is seen as a crucial aspect for banks sustainability. The variable that is directly related to bank credit risk is a non-performing loan (NPL) which is commonly used to assess the asset quality of a bank. The purpose of this research is to analyze main effects and interaction effects of bank ownership types and bank core capital category (BUKU) to the bank NPL performance. The study was conducted using secondary data obtained from bank quarterly reports from the Financial Services Authority (OJK) through the website ojk.go.id, bank financial reports, and infobank magazine. Bank’s performance in the classification of bank ownership types and bank core capital category were evaluated with respect to bank’s NPL which in this case is used as indicator of the bank’s performance. Tests were performed using TWO WAY ANOVA and Post Hoc Test. The findings of this study found that the main effect type of bank ownership had a significant effect on the performance of NPL management, the main effect of banks’ BUKU had no significant effect on the performance of NPL management and the interaction effect of bank type and banks’ BUKU had a significant effect on the performance of NPL management.

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银行所有权类型和银行核心资本类别对银行不良贷款绩效的主效应及交互效应

信贷管理能力被视为银行可持续发展的一个关键方面。与银行信贷风险直接相关的变量是不良贷款（NPL），它通常用于评估银行的资产质量。本研究的目的是分析银行所有权类型和银行核心资本类别对银行不良贷款绩效的主要影响和交互作用。这项研究使用了金融服务管理局（OJK）通过网站OJK.gov.id、银行财务报告和信息银行杂志从银行季度报告中获得的二级数据。银行在银行所有权类型和银行核心资本类别分类中的表现是根据银行的不良贷款进行评估的，在这种情况下，不良贷款被用作银行表现的指标。使用双向方差分析和事后检验进行测试。本研究发现，银行所有权的主要效应类型对不良贷款管理绩效有显著影响，银行BUKU的主要效应对不良贷款治理绩效没有显著影响，而银行类型与银行BUKU的互动效应对不良资产管理绩效有显着影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

International Journal of Business BUSINESS-

CiteScore

0.70

自引率

0.00%

发文量

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