Performance of Conventional Banking, Impact of Indonesia's National Economic Recovery Program Due to the Covid 19 Pandemic

IF 2.6 Q1 ECONOMICS

Entrepreneurial Business and Economics Review Pub Date : 2022-06-24 DOI:10.25105/ber.v22i1.13700

Ela Elliyana

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引用次数: 1

Abstract

The goal of this study is to look at how traditional banking has performed over the previous three years, specifically the impact of LDR(X1), CAR(X2), BOPO(X3), and NIM(X4) on ROA(Y), where stimulus measures have been used to keep the economy moving forward after the COVID-19 epidemic. Research methodology: Financial services authorities provide time-series analysis of traditional banking performance reports from 2018 to 2021, processing with Stata 16 and the multiple linear regression techniques. Results: The average ROA is 2.23 percent, with a standard deviation of 0.32 percent, and swings in all independent variables may explain 80 percent of changes in bank profitability. The LDR Loan to Deposits Ratio significantly impacts bank profitability in terms of return on assets. The greater the CAR ratio, the higher the bank's profitability concerning its ROA. Assume that the BOPO grows while all other variables remain constant. In such an instance, a rise of 0.013 NIM will occur, positively impacting bank profitability on ROA. Limitations: The limitation of this research is the post-pandemic banking relaxation data. Contribution: To policymakers, to see the impact of final actions, whether they were correct or not.

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传统银行业的表现，2019冠状病毒病大流行对印尼国家经济复苏计划的影响

本研究的目的是研究传统银行业在过去三年的表现，特别是LDR(X1)、CAR(X2)、BOPO(X3)和NIM(X4)对ROA(Y)的影响，在新冠肺炎疫情后，刺激措施已被用于保持经济向前发展。研究方法:金融服务当局提供了2018年至2021年传统银行业绩报告的时间序列分析，使用Stata 16和多元线性回归技术进行处理。结果:平均ROA为2.23%，标准差为0.32%，所有自变量的波动可以解释80%的银行盈利能力变化。存贷比显著影响银行的资产收益率。资本充足率越大，银行的ROA盈利能力越高。假设BOPO增长，而所有其他变量保持不变。在这种情况下，NIM将上升0.013，对银行盈利能力对ROA产生积极影响。局限性:本研究的局限性在于大流行后的银行放松数据。贡献:对政策制定者来说，看到最终行动的影响，无论他们是否正确。

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

Entrepreneurial Business and Economics Review ECONOMICS-

CiteScore

7.20

自引率

7.90%

发文量

期刊介绍： Entrepreneurial Business and Economics Review (EBER), as multi-disciplinary and multi-contextual journal, is dedicated to serve as a broad and unified platform for revealing and spreading economics and management research focused on entrepreneurship, individual entrepreneurs as well as particular entrepreneurial aspects of business. It attempts to link theory and practice in different sections of economics and management by publishing various types of articles, including research papers, conceptual papers and literature reviews. Our geographical scope of interests include Central and Eastern Europe and emerging markets, however we also welcome articles beyond this scope. The Journal accept the articles from the following fields: -Entrepreneurship and Business Studies (in particular entrepreneurship and innovation, strategic entrepreneurship, corporate entrepreneurship, entrepreneurship methodology, new trends in HRM and HRD as well as organizational behaviour, entrepreneurial management, entrepreneurial business, management methodology, modern trends in business studies and organization theory, policies promoting entrepreneurship, innovation, R&D and SMEs, education for entrepreneurship), -International Business and Global Entrepreneurship (especially international entrepreneurship, European business, and new trends in international business, IB methodology), -International Economics and Applied Economics (in particular the role of entrepreneurship and the entrepreneur in economics, international economics including the economics of the European Union and emerging markets, as well as Europeanization, new trends in economics, economics methodology).