Bank-specific attributes may enhance profitability while conveying risks that reduce market valuation. Prior studies offer inconclusive findings and rarely examine net interest margin (NIM) as the mechanism linking intellectual capital (IC), good corporate governance (GCG), the loan-to-deposit ratio (LDR), and the capi...
Hammad Hammad, Hari Gursida, Yohanes Indrayono· Greenation International Jou...· 0 citations
This study aims to analyze the determinants of dividend policy and their implications for stock returns among companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. Specifically, the study examines the effects of Return on Assets (ROA), Current Ratio (CR), Debt-to-Equity Ratio (DER), Sales...
Baliyah Munadjat, Hari Gursida, Yohanes Indrayono· Multidisciplinary Indonesian...· 0 citations
Regional development banks in Indonesia face increasing pressure to balance credit expansion and risk management. This study investigates the dynamics of credit risk deterioration and risk preference shifts at Bank BJB Bogor Branch during the 2020-2024 period. A qualitative descriptive approach with a case study strate...
Thiar Cnur, Herdyana, Hari Gursida· International Journal Admini...· 0 citations
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