Update Artikelilmiah: 51313

NADA FADILA SHAFA

NIM

Judul Artikel

Abstrak (Bhs. Indonesia)

Penelitian ini bertujuan untuk menganalisis pengaruh likuiditas, kecukupan modal, profitabilitas, efisiensi, risiko kredit, dan ESG terhadap stabilitas bank, serta menguji peran kompetisi dalam memoderasi pengaruh kecukupan modal, profitabilitas, dan ESG terhadap stabilitas bank. Metode yang digunakan adalah analisis regresi data panel dengan pendekatan Common Effect Model (CEM) dan Moderated Regression Analysis (MRA). Sampel penelitian terdiri dari 15 bank umum konvensional yang terdaftar di Bursa Efek Indonesia selama periode 2020-2025. Hasil penelitian menunjukkan bahwa: (1) Likuiditas berpengaruh positif dan signifikan terhadap stabilitas bank, (2) Kecukupan modal berpengaruh positif dan signifikan terhadap stabilitas bank, (3) Profitabilitas tidak berpengaruh terhadap stabilitas bank, (4) Efisiensi berpengaruh negatif dan signifikan terhadap stabilitas bank, (5) Risiko kredit berpengaruh negatif dan signifikan terhadap stabilitas bank, (6) ESG tidak berpengaruh terhadap stabilitas bank, (7) Kompetisi memperlemah pengaruh kecukupan modal terhadap stabilitas bank, (8) Kompetisi memperkuat pengaruh profitabilitas terhadap stabilitas bank, dan (9) Kompetisi tidak memoderasi pengaruh ESG terhadap stabilitas bank. Temuan ini menegaskan bahwa ketahanan perbankan lebih dipengaruhi oleh fundamental keuangan dibandingkan faktor keberlanjutan, serta dinamika kompetisi memiliki peran penting dalam memoderasi hubungan antara kinerja keuangan dan stabilitas bank. Secara keseluruhan, penelitian ini memberikan kontribusi bagi manajer bank dan regulator dalam merumuskan strategi untuk memperkuat stabilitas perbankan di era persaingan industri yang semakin ketat.

Abtrak (Bhs. Inggris)

This study aims to analyze the effect of liquidity, capital adequacy, profitability, efficiency, credit risk, and ESG on bank stability, and examine the role of competition in moderating the effect of capital adequacy, profitability, and ESG on bank stability. The method used is panel data regression analysis with the Common Effect Model (CEM) approach and Moderated Regression Analysis (MRA). The research sample consists of 15 conventional commercial banks listed on the Indonesia Stock Exchange during the 2020-2025 period. The results of the study indicate that: (1) Liquidity has a positive and significant effect on bank stability, (2) Capital adequacy has a positive and significant effect on bank stability, (3) Profitability has no effect on bank stability, (4) Efficiency has a negative and significant effect on bank stability, (5) Credit risk has a negative and significant effect on bank stability, (6) ESG has no effect on bank stability, (7) Competition weakens the effect of capital adequacy on bank stability, (8) Competition strengthens the effect of profitability on bank stability, and (9) Competition does not moderate the effect of ESG on bank stability. These findings confirm that banking resilience is more influenced by financial fundamentals than sustainability factors, and that competitive dynamics play a significant role in moderating the relationship between financial performance and bank stability. Overall, this research contributes to bank managers and regulators in formulating strategies to strengthen banking stability in an era of increasingly fierce industry competition.

Kata kunci

Pembimbing 1

Pembimbing 2

Pembimbing 3

Tahun

Jumlah Halaman