In this modern era, many entertainment media are easily accessible to children via Youtube. Along with the progress and evolution of educational knowledge and technology, the role of parents in early childhood education is very important. Parents need to understand and learn about every latest knowledge and technology in this era full of various challenges. Many parents do not realize that gadget addiction can be dangerous because it can damage children's mental and physical health. Some parents don't even realize when their children spend 3 hours or even the whole day watching YouTube without a break. Situations like this can indicate when the child has experienced addiction. Based on the results, researchers want to provide an understanding of parents related to children who are addicted to animated YouTube content using an interpersonal communication approach. With parental guidance, the selection of animated content on the elements of learning methods and watching together actively can reduce the potential for excessive addiction and the weakness of watching negative animated content. The selection of animations such as Nussa and Rara as children's shows is an educational selection. This animation includes good character education, so it is suitable for shaping children's character if introduced early.
{"title":"Children's Addictive Behavior in Watching Animation on Youtube, What is the Solution?","authors":"Indah Rohmiatun","doi":"10.59261/jbt.v6i1.254","DOIUrl":"https://doi.org/10.59261/jbt.v6i1.254","url":null,"abstract":"In this modern era, many entertainment media are easily accessible to children via Youtube. Along with the progress and evolution of educational knowledge and technology, the role of parents in early childhood education is very important. Parents need to understand and learn about every latest knowledge and technology in this era full of various challenges. Many parents do not realize that gadget addiction can be dangerous because it can damage children's mental and physical health. Some parents don't even realize when their children spend 3 hours or even the whole day watching YouTube without a break. Situations like this can indicate when the child has experienced addiction. Based on the results, researchers want to provide an understanding of parents related to children who are addicted to animated YouTube content using an interpersonal communication approach. With parental guidance, the selection of animated content on the elements of learning methods and watching together actively can reduce the potential for excessive addiction and the weakness of watching negative animated content. The selection of animations such as Nussa and Rara as children's shows is an educational selection. This animation includes good character education, so it is suitable for shaping children's character if introduced early.","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"2 8","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141797244","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to examine the effect of profitability, managerial ownership, and capital structure on firm value and to test whether the investment opportunity set strengthens Profitability, managerial Ownership, and capital structure on firm value. As part of the purposive sampling method used in this study, which leverages secondary data, 60 data points were collected from 15 firms between 2018 and 2021 that met the required requirements. Moderate Regression Analysis (MRA) is the method of data analysis used in this study. According to the findings of the study, profitability has not to effect on firm value, managerial ownership has a positive effect on firm value, capital structure has a positive effect on firm value, investment opportunity sets weaken the relationship between profitability on firm value, investment opportunity sets weaken the relationship between managerial ownership on firm value, and investment opportunity set strengthens the relationship between capital structure on firm value. This research's objective was to ascertain if the investment opportunity set enhances both the direct and indirect impacts of Profitability, managerial Ownership, and capital structure on firm value. Based on the conclusions and limitations that exist, there are several suggestions addressed to parties related to research regarding the role of investment opportunity sets in moderating Profitability, managerial Ownership, and capital structure on firm value.
{"title":"Does The Investment Opportunity Set Strengthen The Effect of Profitability, Managerial Ownership and Capital Structure on Firm Value?","authors":"Garnis Mulya Ningrum, Khomsiyah Khomsiyah","doi":"10.59261/jbt.v4i1.130","DOIUrl":"https://doi.org/10.59261/jbt.v4i1.130","url":null,"abstract":"This study aims to examine the effect of profitability, managerial ownership, and capital structure on firm value and to test whether the investment opportunity set strengthens Profitability, managerial Ownership, and capital structure on firm value. As part of the purposive sampling method used in this study, which leverages secondary data, 60 data points were collected from 15 firms between 2018 and 2021 that met the required requirements. Moderate Regression Analysis (MRA) is the method of data analysis used in this study. According to the findings of the study, profitability has not to effect on firm value, managerial ownership has a positive effect on firm value, capital structure has a positive effect on firm value, investment opportunity sets weaken the relationship between profitability on firm value, investment opportunity sets weaken the relationship between managerial ownership on firm value, and investment opportunity set strengthens the relationship between capital structure on firm value. This research's objective was to ascertain if the investment opportunity set enhances both the direct and indirect impacts of Profitability, managerial Ownership, and capital structure on firm value. Based on the conclusions and limitations that exist, there are several suggestions addressed to parties related to research regarding the role of investment opportunity sets in moderating Profitability, managerial Ownership, and capital structure on firm value.","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129844764","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
One of the instruments to measure the level of success of a country in carrying out development is the human development index calculation approach. In essence, development is a change towards better conditions so that as a result of development activities it will have implications for the emergence of a budget and ultimately money is needed to realize development activities. During the twenty-four years of implementing fiscal decentralization in Indonesia, the number of transfers to the regions has increased significantly. However, efforts to increase regional revenues are often neglected, so that the goal of fiscal decentralization towards self-sufficient regional government funding has not been achieved to date. This study examines quantitatively how the influence of money arising from development activities, namely Central Government Transfer Funds and Regional Original Revenues, can generate benefits or whether the realization of the budget spent by local governments, namely Capital Expenditures, can generate a certain value or benefit for the community, so that in this study can be described through the human development index instrument. The sampling technique used in this study was purposive sampling. The data used in this study is secondary data obtained from the Central Bureau of Statistics and the Directorate General of State Financial Balance. The research method used is panel data regression with the Fixed Effect Model (FEM), where the data collected is cross-sectional data, namely 414 districts/cities in Indonesia for the period 2012 to 2020 which are time series data. The results obtained show that: (1) DTPP has a positive and significant effect on HDI; (2) PAD has a positive and significant effect on HDI; (3) Through capital expenditure mediation, DTPP has a negative and significant effect on HDI; and (4) Through the mediation of capital expenditure, PAD has a positive and significant effect on HDI..
{"title":"Effect of Fund Transfer, Revenue on Development Index as Moderation Variables","authors":"Sabda Alam, B. H. Simanjuntak","doi":"10.59261/jbt.v4i1.138","DOIUrl":"https://doi.org/10.59261/jbt.v4i1.138","url":null,"abstract":"One of the instruments to measure the level of success of a country in carrying out development is the human development index calculation approach. In essence, development is a change towards better conditions so that as a result of development activities it will have implications for the emergence of a budget and ultimately money is needed to realize development activities. During the twenty-four years of implementing fiscal decentralization in Indonesia, the number of transfers to the regions has increased significantly. However, efforts to increase regional revenues are often neglected, so that the goal of fiscal decentralization towards self-sufficient regional government funding has not been achieved to date. This study examines quantitatively how the influence of money arising from development activities, namely Central Government Transfer Funds and Regional Original Revenues, can generate benefits or whether the realization of the budget spent by local governments, namely Capital Expenditures, can generate a certain value or benefit for the community, so that in this study can be described through the human development index instrument. The sampling technique used in this study was purposive sampling. The data used in this study is secondary data obtained from the Central Bureau of Statistics and the Directorate General of State Financial Balance. The research method used is panel data regression with the Fixed Effect Model (FEM), where the data collected is cross-sectional data, namely 414 districts/cities in Indonesia for the period 2012 to 2020 which are time series data. The results obtained show that: (1) DTPP has a positive and significant effect on HDI; (2) PAD has a positive and significant effect on HDI; (3) Through capital expenditure mediation, DTPP has a negative and significant effect on HDI; and (4) Through the mediation of capital expenditure, PAD has a positive and significant effect on HDI..","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"44 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123082203","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Politeknik Siber, Cerdika Internasional, P. B. Hadiprajitno
This study examines the influence of asset procurement planning, regulations, asset inventory, information systems and human resource competence on the optimization of fixed assets (studies on asset administration at the Financial Services Authority). The research population is the employees of the Financial Services Authority. Determining the number of samples can be done by means of statistical calculations, namely by using the Slovin formula. This formula is used to determine the sample size of a known population, namely 3,134 Financial Services Authority employees. Furthermore, to perform data analysis, multiple linear regression through the use of SPSS software as a tool is used in this study. The results showed that (H1) was accepted with a significance value of 0.000 which is less than 0.050, needs planning and asset valuation had a positive and significant effect on asset optimization. (H2) is accepted with a significance value of 0.024 which is less than 0.050. An important aspect of asset optimization is the regulatory aspect. (H3) is accepted with a significance value of 0.000, which is less than 0.050. Asset inventory and legal audit have a positive and significant impact on the optimization of fixed assets. (H4) is accepted with a significance value of 0.000 which is less than 0.050, the management information system assists the process of managing finances and assets and reduces the risk of fraud from certain individuals. (H5) is accepted with a significance value of 0.003 which is less than 0.050, fixed asset management is weak human resource competence and lack of responsibility from related parties in managing fixed assets. So that competent human resources are needed in asset management
{"title":"The Effect of Asset Procurement Planning, Regulation, Asset Inventory, Information Systems and Human Resources Competence on Fixed Assets Optimization","authors":"Politeknik Siber, Cerdika Internasional, P. B. Hadiprajitno","doi":"10.59261/jbt.v4i2.153","DOIUrl":"https://doi.org/10.59261/jbt.v4i2.153","url":null,"abstract":"This study examines the influence of asset procurement planning, regulations, asset inventory, information systems and human resource competence on the optimization of fixed assets (studies on asset administration at the Financial Services Authority). The research population is the employees of the Financial Services Authority. Determining the number of samples can be done by means of statistical calculations, namely by using the Slovin formula. This formula is used to determine the sample size of a known population, namely 3,134 Financial Services Authority employees. Furthermore, to perform data analysis, multiple linear regression through the use of SPSS software as a tool is used in this study. The results showed that (H1) was accepted with a significance value of 0.000 which is less than 0.050, needs planning and asset valuation had a positive and significant effect on asset optimization. (H2) is accepted with a significance value of 0.024 which is less than 0.050. An important aspect of asset optimization is the regulatory aspect. (H3) is accepted with a significance value of 0.000, which is less than 0.050. Asset inventory and legal audit have a positive and significant impact on the optimization of fixed assets. (H4) is accepted with a significance value of 0.000 which is less than 0.050, the management information system assists the process of managing finances and assets and reduces the risk of fraud from certain individuals. (H5) is accepted with a significance value of 0.003 which is less than 0.050, fixed asset management is weak human resource competence and lack of responsibility from related parties in managing fixed assets. So that competent human resources are needed in asset management","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"67 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131763526","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Creativity is unlimited. Creativity is not only visible in real terms that can be touched by human hands, but now it is widespread in cyberspace. This creativity can be in the form of music, inventions, logos, and others that can be protected by intellectual property. The protection of intellectual property can be combined with a Non-Fungible Token. The purpose of this research is to examine the use of Non-Fungible Tokens as an intellectual property registration and the use of Non-Fungible Token as a marketing strategy for digital assets. The research method is normative juridical which will multiply from some secondary literature, books, journals, and other sources related to intellectual property, Non-Fungible Tokens, and marketing strategies. The use of Non-Fungible Tokens as a condition for intellectual property registration can have a positive impact, especially in terms of determining novelty requirements. Businesses can use Non-Fungible Tokens as a marketing strategy to market their works or digital assets.
{"title":"Non-Fungible Token as a Condition for Intellectual Property Registration and Digital Asset Marketing Strategy Using Digital Tokens","authors":"Shelly Kurniawan, Demson Tiopan","doi":"10.59261/jbt.v4i2.170","DOIUrl":"https://doi.org/10.59261/jbt.v4i2.170","url":null,"abstract":"Creativity is unlimited. Creativity is not only visible in real terms that can be touched by human hands, but now it is widespread in cyberspace. This creativity can be in the form of music, inventions, logos, and others that can be protected by intellectual property. The protection of intellectual property can be combined with a Non-Fungible Token. The purpose of this research is to examine the use of Non-Fungible Tokens as an intellectual property registration and the use of Non-Fungible Token as a marketing strategy for digital assets. The research method is normative juridical which will multiply from some secondary literature, books, journals, and other sources related to intellectual property, Non-Fungible Tokens, and marketing strategies. The use of Non-Fungible Tokens as a condition for intellectual property registration can have a positive impact, especially in terms of determining novelty requirements. Businesses can use Non-Fungible Tokens as a marketing strategy to market their works or digital assets.","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"48 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-07-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139355039","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This research takes the object of study on Tiktok Shop, which is an e-commerce platform that has advantages compared to its rivals, namely being able to combine social media activities with e-commerce. This study aims to analyze and test the effect of e-service quality and brand image on customer satisfaction and customer loyalty among TiktokShop users. In this study, the researchers used a purposive sampling method using a manual questionnaire and also a Google form, and obtained 110 respondents who live in Semarang City and have also used the Tiktok Shop feature for shopping. The data analysis method used in this study is structural equation modeling using AMOS software. The results of direct testing between E-Service Quality and E-Customer Satisfaction show that there is a significant and positive effect. The results of direct testing between Brand Image and E-Customer Satisfaction show that there is a significant and positive effect. The results of direct testing between E-Service Quality and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between Brand Image and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between E-Customer Satisfaction and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between Brand Image and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between E-Customer Satisfaction and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between Brand Image and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between E-Customer Satisfaction and E-Customer Loyalty show that there is a significant and positive effect
{"title":"The Effect of E-Service Quality and Brand Image on Customer Loyalty with Customer Satisfaction as a Mediation Variable","authors":"Ilham Firmansyah, M. Mahfudz","doi":"10.59261/jbt.v4i2.151","DOIUrl":"https://doi.org/10.59261/jbt.v4i2.151","url":null,"abstract":"This research takes the object of study on Tiktok Shop, which is an e-commerce platform that has advantages compared to its rivals, namely being able to combine social media activities with e-commerce. This study aims to analyze and test the effect of e-service quality and brand image on customer satisfaction and customer loyalty among TiktokShop users. In this study, the researchers used a purposive sampling method using a manual questionnaire and also a Google form, and obtained 110 respondents who live in Semarang City and have also used the Tiktok Shop feature for shopping. The data analysis method used in this study is structural equation modeling using AMOS software. The results of direct testing between E-Service Quality and E-Customer Satisfaction show that there is a significant and positive effect. The results of direct testing between Brand Image and E-Customer Satisfaction show that there is a significant and positive effect. The results of direct testing between E-Service Quality and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between Brand Image and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between E-Customer Satisfaction and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between Brand Image and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between E-Customer Satisfaction and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between Brand Image and E-Customer Loyalty show that there is a significant and positive effect. The results of direct testing between E-Customer Satisfaction and E-Customer Loyalty show that there is a significant and positive effect","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"319 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115835121","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The COVID-19 pandemic has posed significant challenges to the financial stability of banking institutions around the world. This research seeks to conduct an empirical study to determine the effect of credit risk and market risk on capital security. This study aims to examine (1) the effect of Credit Restructuring,Non-Performing Loans (NPL), Net Interest (NIM) on Capital Adequacy Ratio (CAR) (2) the effect of NPL, NIM on Return On Assets (ROA) (3) the effect of ROA on CAR and (4) the effect of NIM, NPL to CAR with ROA as the intervening variable. The sample for this research is commercial banks registered with OJK in 2020 that meet the research criteria. The method of analysis in this study is path analysis which is the development of multiple and bivariate regression analysis. The research results show thatCredit restructuring has a negative and insignificant effect, NPL has a negative and insignificant effect on CAR, NIM has a positive and not significant effect on CAR, NPL has a negative and significant effect on ROA, NIM has a positive and significant effect on ROA, ROA has a negative and significant effect on CAR, NPL has a direct influence on CAR through ROA, NIM has no effect on CAR through ROA.
{"title":"Analysis of the Effect of Credit Risk and Market Risk on Banking Capital Satisfaction during the Covid-19 Pandemic (Case Study on Commercial Banks In Indonesia)","authors":"Saezar Alamaint, Wisnu Mawardi","doi":"10.59261/jbt.v4i2.149","DOIUrl":"https://doi.org/10.59261/jbt.v4i2.149","url":null,"abstract":"The COVID-19 pandemic has posed significant challenges to the financial stability of banking institutions around the world. This research seeks to conduct an empirical study to determine the effect of credit risk and market risk on capital security. This study aims to examine (1) the effect of Credit Restructuring,Non-Performing Loans (NPL), Net Interest (NIM) on Capital Adequacy Ratio (CAR) (2) the effect of NPL, NIM on Return On Assets (ROA) (3) the effect of ROA on CAR and (4) the effect of NIM, NPL to CAR with ROA as the intervening variable. The sample for this research is commercial banks registered with OJK in 2020 that meet the research criteria. The method of analysis in this study is path analysis which is the development of multiple and bivariate regression analysis. The research results show thatCredit restructuring has a negative and insignificant effect, NPL has a negative and insignificant effect on CAR, NIM has a positive and not significant effect on CAR, NPL has a negative and significant effect on ROA, NIM has a positive and significant effect on ROA, ROA has a negative and significant effect on CAR, NPL has a direct influence on CAR through ROA, NIM has no effect on CAR through ROA.","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130057696","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The purpose of this research is to test the influence of competence on career management perception, career adaptability to impact career success. Using these variables, the use of these variables is able to solve the problems arising withinJunior Engineerand Junior Process Engineeroil and gas company in Indonesia Statement of this problem is how to increase career success?. The sample size of this research is 189Junior Engineerand Junior Process Engineeroil and gas company in Indonesia. Using the Smart PLS. The results show that competence in career management perception, career adaptability to impact career success.The effect ofcompetenceon e career success is significant;the effect ofcompetenceon career management perception are significant;the effect ofcompetenceon career adaptability are significant;the effect ofcareer management perception on career success is significant;the effect ofcareer adaptabilityon career success are significant.
{"title":"The Influence of Career Adaptability and Career Management Perception in Improving Career Success","authors":"Endriawan Hadi, Edy Raharja","doi":"10.59261/jbt.v4i2.150","DOIUrl":"https://doi.org/10.59261/jbt.v4i2.150","url":null,"abstract":"The purpose of this research is to test the influence of competence on career management perception, career adaptability to impact career success. Using these variables, the use of these variables is able to solve the problems arising withinJunior Engineerand Junior Process Engineeroil and gas company in Indonesia Statement of this problem is how to increase career success?. \u0000The sample size of this research is 189Junior Engineerand Junior Process Engineeroil and gas company in Indonesia. Using the Smart PLS. The results show that competence in career management perception, career adaptability to impact career success.The effect ofcompetenceon e career success is significant;the effect ofcompetenceon career management perception are significant;the effect ofcompetenceon career adaptability are significant;the effect ofcareer management perception on career success is significant;the effect ofcareer adaptabilityon career success are significant. \u0000 ","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114398498","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
In order to achieve the Notionally Determined Contribution (NDC) target through reducing greenhouse gas emissions, the Government of Indonesia is trying to develop sustainable finance. Commercial Banks as a financial service institution are required to implement sustainable finance, among others by reporting loans that meet the criteria for Environmentally Friendly Business Activities (KUBL). Credit risk is one of the main risks for banks. Research on the effect of lending that meets KUBL or green loan criteria on bank credit risk as reflected in NPLs has never been carried out. In this study, we analyze the effect of green loans, and the influence of other variables, namely bank performance variables (LDR, CAR, ROA, NIM) and bank size on credit risk of commercial banks in Indonesia. This study uses annual available data from 107 commercial banks in Indonesia for the period from 2019 to 2021. Based on the results of this study, the effect of green loans on NPL is not significant because the percentage of green loans is relatively low compared to the total bank credit portfolio in Indonesia. For this reason, various incentives are needed from both the Authority and the Government to encourage commercial banks to increase green loans.Meanwhilebank performance variables, namely LDR, CAR, NIM and bank size have a significant influence on the credit risk of commercial banks in Indonesia. Bank performance variables namely LDR, CAR have a positive effect on bank NPLs, the NIM ratio and bank size have a negative effect on bank NPLs.
{"title":"The Effect of Green Credit and Other Determinants of Credit Risk Commercial Bank in Indonesia","authors":"Ressita Nugrahaeni, Harjum Muharam","doi":"10.59261/jbt.v4i2.148","DOIUrl":"https://doi.org/10.59261/jbt.v4i2.148","url":null,"abstract":"In order to achieve the Notionally Determined Contribution (NDC) target through reducing greenhouse gas emissions, the Government of Indonesia is trying to develop sustainable finance. Commercial Banks as a financial service institution are required to implement sustainable finance, among others by reporting loans that meet the criteria for Environmentally Friendly Business Activities (KUBL). Credit risk is one of the main risks for banks. Research on the effect of lending that meets KUBL or green loan criteria on bank credit risk as reflected in NPLs has never been carried out. In this study, we analyze the effect of green loans, and the influence of other variables, namely bank performance variables (LDR, CAR, ROA, NIM) and bank size on credit risk of commercial banks in Indonesia. This study uses annual available data from 107 commercial banks in Indonesia for the period from 2019 to 2021. Based on the results of this study, the effect of green loans on NPL is not significant because the percentage of green loans is relatively low compared to the total bank credit portfolio in Indonesia. For this reason, various incentives are needed from both the Authority and the Government to encourage commercial banks to increase green loans.Meanwhilebank performance variables, namely LDR, CAR, NIM and bank size have a significant influence on the credit risk of commercial banks in Indonesia. Bank performance variables namely LDR, CAR have a positive effect on bank NPLs, the NIM ratio and bank size have a negative effect on bank NPLs.","PeriodicalId":117079,"journal":{"name":"Journal of Business Social and Technology","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115360448","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Politeknik Siber, Cerdika Internasional, A. Iskandar, P. B. Hadiprajitno
This study examines the effect of foreign insurance affiliation, market share, own retention ratio, claims ratio and expense ratio on the performance of general insurance companies in Indonesia. The performance of insurance companies in this study uses a measure of return on equity (ROE). The research population is all general insurance companies in Indonesia operating in 2018-2021. The research sample is 177 insurance companies in that period. Data collection uses financial reports submitted by insurance companies to the Financial Services Authority. Furthermore, to perform data analysis, multiple linear regression through the use of SPSS software as a tool is used in this study. The results show that foreign affiliation and own retention ratio have a positive impact on insurance company ROE. Meanwhile, market share, claims ratio, and expense ratio have a negative effect on ROE. Taken together, foreign affiliate, market share, own retention ratio, claims ratio and expense ratio affect ROE. The results of this study can provide an overview to regulators in regulating foreign ownership in the insurance industry in Indonesia as well as regulations regarding self-retention. For shareholders and management of insurance companies, this research can provide an overview of foreign cooperation policies and reinsurance policies associated with the risk profile of insurance business lines in Indonesia, fee policies, underwriting and claim handling.
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