Analysis of the Impact of Green Banking, Inflation Rates, and Bad Loans on the Profit Growth of Banking Companies Listed on the IDX
DOI:
https://doi.org/10.37385/ijedr.v5i1.2849Keywords:
Bad Loans, Green Banking, Inflation Rate, Profit GrowthAbstract
The purpose of this study was to determine the effect of the implementation of green banking, inflation, and non-performing loans on profit growth. This study uses secondary data and time series on banking sector companies listed on the Indonesia Stock Exchange from 2019 to 2021. This research uses a quantitative. The population in this study are banking companies listed on the Indonesia Stock Exchange, totalling 12 companies. The data analysis technique in this study was descriptive statistical analysis, classical assumption test, multiple linear regression analysis, and hypothesis testing using the SPSS program for Windows version 25.0. Based on the testing and results of data analysis and discussion of data results (prove the hypothesis), it is concluded that green banking does not affect profit growth. The inflation rate has a negative and significant effect on profit growth. And bad credit has a positive and significant effect on profit growth.
References
Adaramola, A. O., & Dada, O. (2020). Impact of inflation on economic growth: evidence from Nigeria. Investment Management & Financial Innovations, 17(2), 1.
Adem, M. (2023). The impact of macroprudential policy and political institutions on bank credit risk in Ethiopia: A dynamic ordinary least squares analysis. Cogent Business & Management, 10(3), 2257829.
Akbar, M. T., Djazuli, A., & Moeljadi. (2018). Pengaruh Kredit Macet terhadap Profitabilitas melalui Kecukupan Modal, Biaya Dan Pendapatan Operasional. Jurnal Bisnis Dan Manajemen, 5(1), 79–91.
Anggraini, D., Nita Aryani, D., & Budi Prasetyo, I. (2019). Analisis Implementasi Green Banking Dan Kinerja Keuangan Terhadap Profitabilitas Bank Di Indonesia (2016-2019). Jurnal Bisnis Manajemen dan Informatika, 141–161.
Asfahaliza, A. N. P., & Anggraeni, P. W. (2022). Pengaruh Penerapan Green Banking Terhadap Profitabilitas Perbankan Di Indonesia Periode 2016-2021. Contemporary Studies In Economic Finance And Banking, 1(2), 298–311. https://doi.org/10.21776/csefb.2022.01.2.10
Atthariq, N. M., & Suhayati, E. (2022). Perspektif Pertumbuhan Laba Ditinjau Dari Suku Bunga Kredit, Kualitas Aktiva Produktif Dan Rasio Kredit Bermasalah. Jurnal Ilmu Keuangan dan Perbankan (JIKA), 11(2), 168–177. https://ojs.unikom.ac.id/index.php/jika/article/view/6558/3138
Batayneh, K., Al Salamat, W., & Momani, M. Q. (2021). The impact of inflation on the financial sector development: Empirical evidence from Jordan. Cogent economics & finance, 9(1), 1970869.
Budianto, E. W. H., & Dewi, N. D. T. (2023). Net Profit Margin (NPM) Ratio in Islamic and Conventional Banking: Mapping Research Topics using VOSviewer Bibliometric Study and Library Research.
Barrett, A. M., Hogreve, J., & Brüggen, E. C. (2021). Coping with governmental restrictions: the relationship between stay-at-home orders, resilience, and functional, social, mental, physical, and financial well-being. Frontiers in Psychology, 11, 577972.
Chen, J., Siddik, A. B., Zheng, G. W., Masukujjaman, M., & Bekhzod, S. (2022). The effect of green banking practices on banks’ environmental performance and green financing: An empirical study. Energies, 15(4), 1292.
Eliza, R., Syahirah, N., & Putri, M. E. (2022). Analisa Pertumbuhan Laba Perbankan Berdasarkan Laporan Keuangan Tahunan Studi Kasus Bank BUMN. Jurnal Ekonomi & Ekonomi Syariah, 5(2), 2220–2225. https://doi.org/10.36778/jesya.v5i2.801
Hasanah, N., Hariyono, S., Sunan, U., & Yogyakarta, K. (2022). Analisis Implementasi Green Financing Dan Kinerja Keuangan Terhadap Profitabilitas Perbankan Umum Di Indonesia. Jurnal Ekobis , 12(1), 149–157. http://ejournal.stiemj.ac.id/index.php/ekobis
Hohedu, T. R., & Dewi, A. R. (2019). Penanganan Kredit Macet Pada BRI Cabang X. Jurnal Ilmiah Bisnis Dan Perpajakan, 1(1), 34–43. http://jurnal.unmer.ac.id/index.php/jb
Indarto, S. L., & Ghozali, I. (2016). Fraud diamond: Detection analysis on the fraudulent financial reporting. Risk governance & control: financial markets & institutions, 6(4), 116-123.
Jayawarsa, A. K., Wulandari, I. G. A. A., Saputra, K. A. K., & Saputri, N. M. M. D. (2021). Public financial deposits in state owned banks: from an inflation perspective and bank Indonesia interest rates. International Journal of Business, Economics and Law, 24(1), 105-112.
Jatana, R., & Jain, H. (2020). Green Banking and Profitability: An Empirical Study of Indian Commercial Banks. Sumedha Journal of Management, 9(2), 14-27. DOI:10.46454/sumedha/9.2.2020.2
Jun, W., Shiyong, Z., & Yi, T. (2022). Does ESG disclosure help improve intangible capital? Evidence from A-share listed companies. Frontiers in Environmental Science, 10, 858548.
Kurniawan, E., Harahap, K., Lumbanraja, M. M. M., Kalsum, U., Budiman, Mustafa, M. S., Trisnawati, N. L. D. E., Priyono, S., Trianto, E., Rumapea, E. L. B., Safrin, F. A., Nazara, D. S., Muliadi, D., & Hawari, A. P. (2023). Manajemen Investasi. CV. Media Sains Indonesia.
Martiningtiyas, C. R., & Nitinegeri, D. T. (2020). The Effect of Non-Performing Loans on Profitability in Banking Sector in Indonesia. Advances in Economics, Business and Management Research, 151, 64-47.
Maryati, E., & Siswanti, T. (2022). Pengaruh Debt To Equity Ratiodan Ukuran Perusahaan Terhadap Pertumbuhan Laba (Perusahaan Sub Sektor Propertydan Real EstateYang Terdaftar di Bursa Efek Indonesia Tahun 2015-2019. Jurnal Ilmiah Mahasiswa Akuntansi, 2(1), 22–31.
Muhyiddin, M., & Nugroho, H. (2021). A year of Covid-19: A long road to recovery and acceleration of Indonesia's development. Jurnal Perencanaan Pembangunan: The Indonesian Journal of Development Planning, 5(1), 1-19.
Nopiyani, P. E., Budiasih, Y., Sintha, L., Ersyafdi, I. R., Trisnawati, N. L. D. E., Mudmainna, Muliyani, A., Sarra, H. D., Indriana, I., Kusumawati, R., Yusniar, M. W., & Fajarsari, I. M. (2022). Akuntansi Manajemen (Teori dan Aplikasi). Widina Bhakti Persada Bandung.
Nurmalia, G., Kurniawan, M., & Zuliansyah. (2021). Green Banking Dan Rasio Kecukupan Modal Mempengaruhi Pertumbuhan Laba Bank Umum Syariah Di Indonesia. Jurnal Ilmiah Keuangan Dan Perbankan, 4(2), 173–187.
Pramesti, A. A., & Idayati, F. (2019). Pengaruh Ukuran Perusahaan, Profitabilitas, Dan Leverage Terhadap Pengungkapan Corporate Social Responsibility. Jurnal Ilmu Dan Riset Akuntansi, 8(4), 1–19.
Putri, P. I., Rahayu, K. N., Rahmayani, D., & Siregar, M. E. S. (2022). The Effect of Green Banking and Financial Performance on Banking Profitability. Calitatea, 23(191), 38-44.
Putri, E. A. A., Nuraina, E., & Yusdita, E. E. (2020). Upaya Pencegahan dan Penanganan Kredit Macet Ditinjau dari Persepsi Nasabah. Jurnal Riset Akuntansi dan Perpajakan), 7(2), 185–196. https://journal.univpancasila.ac.id/index.php/jrap/article/view/1616/1092
Rachman, A. A., & Saudi, M. H. (2021). Green Banking And Profitability (Banks Registered On The Sri-Kehati Index In Indonesia Stock Exchange 2015 - 2019). Turkish Journal of Computer and Mathematics Education, 12(8),473-486.
Raberto, M., Ozel, B., Ponta, L., Teglio, A., & Cincotti, S. (2019). From financial instability to green finance: the role of banking and credit market regulation in the Eurace model. Journal of Evolutionary Economics, 29, 429-465.
Ridwan, R., Sugianto, S., & Setyawati, E. (2021). The Effect of TPF, NPF and Fee Based Income on the Profitability of Islamic Banks with Financing as an Intervening Variable. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(2), 1758-1771.
Rokhmat, N., Zulaihati, S., & Susanti, S. (2023). The Effect Of Deposits And Non-Performing Loans On Bank Profitability (Case Study on Conventional Commercial Banks listed on the Indonesia Stock Exchange for the period 2015 - 2021). Journal Of Management, Accounting, General Finance And International Economic Issues (Marginal), 2(2), 416-435.
Salam, R. (2022). The Effectiveness of Accounting Information Systems on Vehicle Sales Growth. AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis, 2(1), 10-18.
Sorongan, F. A. (2020). Pengaruh Rentabilitas, Non Performing Loan (NPL), Likuiditas Dan Inflasi Terhadap Rasio Kecukupan Modal (CAR). Jurnal Riset Manajemen Sains Indonesia, 11(2), 224–243
Thornton, J., & Di Tommaso, C. (2021). The effect of non?performing loans on credit expansion: Do capital and profitability matter? Evidence from European banks. International Journal of Finance & Economics, 26(3), 4822-4839.
Trisnadewi, N. K. A., Trisnawati , N. L. D. E., & Kartika, R. D. (2023). Analysis Of Profitability, Good Corporate Governance And Audit Quality On Audit Delay. INVEST : Jurnal Inovasi Bisnis Dan Akuntansi, 4(1), 26-41. https://doi.org/10.55583/invest.v4i1.430
Trisnawati, N. L. D. E. (2021). Kinerja Keuangan dan Risiko BUMDes (Studi Kasus Pada BUMDes Suka Pura). Artha Satya Dharma, 14(1), 58-64. https://doi.org/10.55822/asd.v14i1.68
Trisnawati, N. L. D. E., & Budiani, K. (2021). Peningkatan Kinerja Keuangan Bumdes Melalui Pengelolaan Risiko Likuiditas Dan Risiko Kredit Pada Bumdes Dwi Tunggal Di Desa Tegallinggah. Artha Satya Dharma, 14(2), 15-24. https://doi.org/10.55822/asd.v14i2.212
Wang, Y., Xiuping, S., & Zhang, Q. (2021). Can fintech improve the efficiency of commercial banks?—An analysis based on big data. Research in international business and finance, 55, 101338.