Agus Kusmana
Fakultas Ekonomi dan Bisnis, Universitas Pembangunan Nasional Veteran Jakarta, Depok

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Analisis Bank Specific Factor terhadap Penyaluran Kredit Perbankan Konvensional Aulya Sukma; Marlina Marlina; Agus Kusmana
Jurnal Akuntansi, Keuangan, dan Manajemen Vol. 2 No. 4 (2021): September
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jakman.v2i4.463

Abstract

Purpose: This research aimed to discover the influence between capital, credit risk, liquidity, and efficiency towards credit lending. Research methodology: This research includes quantitative research. The objects in this research were commercial banks listed on the Indonesia Stock Exchange (IDX), with 36 commercial banks chosen as the samples within the 2017 – 2019 period. Research hypotheses were tested with a significance level of 5% by using a panel data regression model and assisted by E-Views 11 program. Results: The result obtained within this research are (1) there is an influence between capital and credit lending, (2) credit risk does not influence credit lending, (3) liquidity has influence credit lending, and (4) efficiency does not have any influence with credit lending. Limitations: The limitations of this research were the least amount of former research both nationally and internationally containing a detailed explanation about a similar topic. Contribution: The result obtained can be used for the next researcher's references, also used as a bank’s consideration on operating their main operational activity, which is credit lending, and for investor's consideration while intended to invest in the banking sector.
Analisis Kinerja Keuangan Sektor Perbankan Sebelum dan Sesudah Adanya Perusahaan Teknologi Finansial Raysa Azahra Ade Putri; Dewi Cahyani Pangestuti; Agus Kusmana
Reviu Akuntansi, Manajemen, dan Bisnis Vol. 1 No. 2 (2021): Desember
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (429.627 KB) | DOI: 10.35912/rambis.v1i2.805

Abstract

Purpose: The intention of the research was to examine if there were any discrepancies in banks ’ financial performance before and after the introduction of financial tech firms. Research Methodology: The study's subject was registered banking on the Indonesia Stock Exchange (IDX), with 38 banks chosen as a sample over a two-year period before the introduction of financial tech firms (2013-2014) and two years after the existence of financial tech firms (2016-2017). With a 5% significance rate, the tests utilized in this paper were Paired Sample T-test (normal data) and Wilcoxon Sign Rank Test (abnormal data) with SPSS 25 software assistance. Results: The outcomes of this research, after the arrival of financial technology enterprises, there is a discrepancy in profitability, liquidity, and capital. Limitations: This research's limitations are that certain banks did not leak consecutive financial statements during the research period, and earlier studies had no specific explanation on the same topic. Contribution: The insights can be used by academics as a reference, by the Bank as a foundation for financial management innovation, and by investors as a source of knowledge and consideration when making investment decisions.