The Effect of Corporate Governance Medied by Capital Adequacy and Credit Risk on Financial Performance (Study on Commercial Banks Listed on the Indonesia Stock Exchange)

This study discusses the causal relationship between bank corporate governance, capital adequacy and the probability of bank failure due to credit risk from the creditor's perspective on the bank's financial performance. The probability of failure of commercial banks in measuring risk-taking behavior. The special characteristics of commercial banks with smaller board sizes, shareholder equity, and long-term loans are associated with significantly lower levels of credit risk. Larger supervisory boards and short-term debt are associated with lower levels of credit risk.This study aims to examine and prove the effect of corporate governance on capital adequacy, and corporate governance directly and mediated by capital adequacy and credit risk impact on financial performance. Test and prove that corporate governance affects credit risk. Test and prove the effect capital adequacy to credit risk, as well as capital adequacy directly and mediated by credit risk have an impact on financial performance. Test and prove the effect of credit risk on financial performance. The analysis technique uses Generalized Structured Component Analysis (GSCA). The unit of analysis is 30 conventional commercial banks listed on the Indonesia Stock Exchange for the period 2016-2020, using panel data, namely time series and cross sectional data, with a number of observations of 30 x 5 years = 150 financial statements.The findings of this study are expected to contribute to the development of science in the study of financial management, especially the theory of corporate governance and credit risk management, namely: corporate governance as a source of value creation, ensuring capital adequacy as a buffer for the risk of losing credit portfolios and managing credit risk at a minimum level. to maintain financial stability and increase Profit which ensures financial performance remains in good or healthy condition. This study concludes that corporate governance has a significant influence on capital adequacy and financial performance, because good corporate governance will manage an optimal capital structure and the availability of capital adequacy that makes the company more able to operate and invest optimally, so as to generate maximum profit to improve financial performance. The influence of corporate governance on bank financial performance is also mediated by capital adequacy. Corporate governance has no significant effect on credit risk. Corporate governance cannot determine credit risk, because credit risk is the responsibility of company management in order to control risk in banking operations. Capital adequacy has a significant influence on credit risk and financial performance, because capital adequacy for the company's operations and investments will improve the bank's financial performance. Capital adequacy has a direct and mediated effect of credit risk on financial performance. Sufficient capital is able to reduce credit risk and improve financial performance, because credit risk which has a negative impact on financial performance has been successfully reduced. Keywords: Corporate Governance, Capital Adequacy, Credit Risk, Financial Performance. DOI: 10.7176/RJFA/12-20-06 Publication date:October 31st 202

The Impact of Monetary Policy on Capital Structure, Credit Risk and Bank Profitability in Indonesia

This research discusses the impact of monetary policy on bank capital structure, credit risk and bank profitability in Indonesia. It is hoped that the findings of this research can contribute to the development of financial science, especially monetary policy theory and economic policy theory, after going through the process of understanding the variables of monetary policy and macroeconomic policy that influence decisions regarding bank funding patterns, and bank profitability and company financial performance. which maximizes the welfare of its owners and stakeholders.The bank's capital structure can be determined or explained by monetary policy, where if there is an increase in the minimum statutory reserve, central bank interest rates and the Capital Adequacy Ratio (CAR) it will cause a decrease in the level of debt in the bank's capital structure. Bank credit risk cannot be determined or explained by monetary policy. Bank profitability cannot be determined or explained by monetary policy. If there is a change in the debt to asset ratio and debt to equity ratio it will cause a change in bank profitability as measured by Earning Per Share (EPS), Return On Assets (ROA), Return On Equity and Net Internet Margin (NIM), where if there is an increase Debt in the bank's capital structure also contributes to high interest costs reducing which causes a decrease in the bank's income level. If there is a change in Loan Loss Provision (LLP), Non-Performing Loan Gross (NPLG) and Non-Performing Loan Net (NPLN) it will cause changes in bank profitability as measured by Earning Per Share (EPS), Return On Assets (ROA), Return On Equity and Net Internet Margin (NIM), where if there is an increase in bank credit risk, namely problem and bad loans, also contribute to high costs, causing a decrease in the bank's income level, even loss of income.Provides empirical evidence of the research concept (Mendoza & Rivera, 2017) which states that credit risk has a significantly negative effect on profitability. Providing empirical evidence of the research concept (Dang, 2022) states that monetary policy drives bank profitability asymmetrically. Concretely, interest rates (i.e., loan interest rates and policy interest rates) have a positive effect on net interest income, but a negative impact on non-interest income. Banks with more diversified funding patterns will be associated with weaker bank sensitivity financially in facing monetary shocks to limited alternative funding. Keywords: Monetary Policy, Capital Structure, Credit Risk, Bank Profitability. DOI: 10.7176/RJFA/14-18-01 Publication date:October 31st 202

PENGARUH KARAKTER, KEMAMPUAN, MODAL, JAMINAN DAN KONDISI EKONOMI TERHADAP KEMAMPUAN PENGEMBALIAN PIUTANG PADA KOPERASI SIMPAN PINJAM (KSP) KREDIT UNION SERVIAM CABANG OEBUFU

operasi Simpan Pinjam (KSP) Kredit Union Serviam mempunyai kegiatan utama yaitu membentuk dana dari anggota sehingga membentuk modal dan kemudian dipinjamkan kembali kepada anggota yang membutuhkan untuk tujuan yang produktif dan kesejahteraan anggota. Populasi dalam penelitian ini adalah seluruh anggota koperasi kredit yang menerima kredit pada tahun 2018, 2019 dan 2020 yang berjumlah 1133 orang, sedangkan sampel dalam penelitian ini lebih besar dari 100 orang. Teknik Pengumpulan Data, Teknik wawancara, Studi Dokumentasi, Kuesioner. Teknik Analisis Data, Analisis regresi berganda dan Analisis Regresi Linear sederhana. Berdasarkan hasil uji t menunjukan bahwa faktor karakter, kemampuan/kesanggupan, modal, jaminan, dan kondisi ekonomi berpengaruh terhadap kemampuan pengembalian piutang. Berdasarkan hasil uji F, diperoleh nilai Fhitung 8,131 > nilai Ftabel = 2,92. Artinya semua variabel bebas dilakukan secara bersama-sama berpengaruh terhadap kemampuan pengembalian piutang. Oleh karena itu maka keputusannya menolak Ho dan menerima Ha, artinya ada pengaruh yang signifikan dari variabel (karakter, kemampuan, modal,jaminan dan kondisi ekonomi) terhadap kemampuan pengembalian piutang

Pelatihan Kewirausahaan dalam Menangkap Peluang Usaha bagi Mahasiswa Program Studi Pendidikan Ekonomi FKIP Undana Kupang

Masalah peluang kerja yang tersedia bagi lulusan perguruan tinggi tidak sebanding dengan jumlah lulusan yang dihasilkan. Selain itu lulusan perguruan tinggi termasuk lulusan Program Studi Pendidikan Ekonomi (PS. Ekonomi) hanya tertarik menjadi pencari kerja dan bukan pencipta kerja bagi dirinya sendiri maupun orang lain. Pekerjaan yang diincar adalah menjadi Aparat Sipil Negara (ASN), karyawan Badan Usaha Milik Negara (BUMN) dan jika tidak mendapatkannya akan mencari pekerjaan di sektor swasta. Hal ini disebabkan karena para sarjana kurang kreatif dan inovatif. Pelatihan kewirausahaan dan menangkap usaha merupakan suatu usaha untuk membangun jiwa wirausaha mahasiswa agar kreatif dan inovatif untuk menangkap peluang usaha yang ada guna menciptakan pekerjaan untuk dirinya sendiri dan juga untuk orang lain. Hasil pelatihan menunjukkan bahwa peserta tetap menjadikan pekerjaan sebagai  ASN  sebagai pilihan utama oleh karena merasa lebih terpandang dibandingkan dengan berwirusaha dan mahasiswa takut risiko kegagalan dalam berwirausaha