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All Journal Buletin Ekonomi Moneter dan Perbankan Dinasti International Journal of Digital Business Management
Aviliani Aviliani
Perbanas Institute, Jakarta, Indonesia
Decision Sciences, Operations Research & Management

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The Impact of Macroeconomic Condition on The Banks Performance in Indonesia Aviliani Aviliani; Hermanto Siregar; Tubagus Nur Ahmad Maulana; Heni Hasanah
Buletin Ekonomi Moneter dan Perbankan Vol 17 No 4 (2015)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (374.111 KB) | DOI: 10.21098/bemp.v17i4.503

Abstract

This paper analyzes the impact of macroeconomic indicator (including the production index, inflation, Bank Indonesia rate, Jakarta stock index, exchange rate and the crude oil price) on the state owned banks’ performance. We apply the Vector Error Correction Model (VECM) on the banking data ranging from 2006-2013, and provide us several findings. First, the impulse response function shows the largest response of the bank overhead cost (BOPO) due to the macroeconomic shock; we argue the volatility of this bank efficiency indicator, reflects the inefficiency of the banks in Indonesian. Second, the amount of loan and the lending to deposit ratio (LDR) provide the weakest response due to the macroeconomic shock. This is in line with the result of variance decomposition, where the macroeconomic variable explains the least of the NPL variation. Third, from all macroeconomic variables we observe, the shock of Bank Indonesia’s rate generally provides the largest response of most of the bank performance indicators; which supports the use of the Bank Indonesia’s rate as effective monetary instrument.
INDONESIAN BANKING STRATEGY IN IMPROVING CREDIT DISTRIBUTION Aviliani Aviliani
Dinasti International Journal of Digital Business Management Vol 3 No 2 (2022): Dinasti International Journal of Digital Business Management (February - March 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijdbm.v3i3.1159

Abstract

This research is performed in order to test the influence of the variable Third-party Funds, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operational Efficiency Ratio toward Credit Distribution at Banking in Indonesia. The data used in this research was obtained from the annual financial report data period 2015-2019. The sample used in this research is 10 General Bank of 43 General Bank at Indonesian Stock Exchange. The results show that the Third-party Funds, CAR, NPL, LDR, and Operational Efficiency Ratio against credit distribution. The results show that the partial of five variables that influence are variable Third-party Funds significantly, Capital Adequacy Ratio significantly, and Operational Efficiency Ratio significantly, While variable Non Performing Loan did not influence significantly, and Loan to Deposit Ratio did not influence significantly to credit distribution.
Co-Authors Heni Hasanah Hermanto Siregar Tubagus Nur Ahmad Maulana