Open AccessBank Risk Profile and Credit Growth in Indonesia
Author(s) -
Etty Gurendrawati,
Hera Khairunnisa,
I Gusti Ketut Agung Ulupui,
Trisni Suryarini,
Adam Zakaria
Publication year - 2021
Publication title -
jurnal ilmiah akuntansi dan bisnis/jurnal ilmiah akuntansi dan bisnis
Language(s) - English
Resource type - Journals
eISSN - 2303-1018
pISSN - 2302-514X
DOI - 10.24843/jiab.2021.v16.i01.p06
Subject(s) - credit risk , market liquidity , liquidity risk , business , market risk , financial risk management , panel data , financial system , credit history , risk management , actuarial science , finance , economics , econometrics
Banks are one of the important industries in a country, whose importance is evidenced by the management of bank risks. The purpose of this research is to investigate the effect or impact of the risk profile disclosure on banking credit growth in Indonesia for the years 2016, 2017, and 2018. Commercial banks in Indonesia, which provide information related to a complete risk profile in the annual report from 2016 to 2018, were selected as the sample. The risk profile variable is an independent variable consisting of credit risk, market risk, and liquidity risk. Panel data regression with E-Views 8 was used for data processing. The results of the study prove that disclosure of credit risk, market risk, and liquidity have significant influences to the banking credit growth in Indonesia.
Keywords: risk profile, credit growth, credit risk, market risk, liquidity risk