Analysis of Capital Buffer in Mediation of The Influence of Competition, Size of The Bank And Credit Risk on Stability
Abstract
The Central Bank of Indonesia defines financial system stability as a condition that enables the national financial system to function efficiently and effectively and is able to withstand internal and external vulnerabilities, so that the allocation of sources of funds or financing can contribute to national economic growth. This study aims to find the effect of competition, bank size and NPF on stability with capital buffer as an intervening variable. The method used is descriptive quantitative with panel data regression. This study uses secondary data obtained from the financial statements of Islamic Commercial Banks (BUS) for the 2012-2020 period. In processing the data, using Eviews analysis software using purposive sampling technique. The total sample used in this study amounted to 63. From the results of the tests conducted, it shows that competition has a positive and significant effect on stability, size of the bank has a positive and significant effect on stability, NPF has no effect on stability. Capital buffer is not able to mediate the effect of competition, bank size and NPF on stability. The difference between this study and previous research is that it uses a capital buffer as a mediating variable.
References
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Albaity, M., Mallek, R. S., & Noman, A. H. M. (2019). Competition and bank stability in the MENA region: The moderating effect of Islamic versus conventional banks. Emerging Markets Review, 38, 310–325. https://doi.org/10.1016/j.ememar.2019.01.003
Ali, M., & Puah, C. H. (2018). Does Bank Size and Funding Risk Effect Banks’ Stability? A Lesson from Pakistan. Global Business Review, 19(5), 1166–1186. https://doi.org/10.1177/0972150918788745
Andiani, L., & Kurnia. (2017). PENGARUH RISIKO, PROFITABILITAS, KEBIJAKAN DIVIDEN, UKURAN, DAN LIKUIDITAS BANK TERHADAP CAPITAL BUFFER. Jurnal Ilmu Dan Riset Akuntansi, 6(5), 2014–2031.
Anggitasari, A. A., & ARFINTO, E. D. (2013). Hubungan Simultan Antara Capital Buffer dan Risiko. In Doctoral dissertation, Fakultas Ekonomika dan Bisnis.
Anggraini, N. M. S., & Baskara, I. G. K. (2020). Factors Affecting Conventional General Bank Capital Buffers In Indonesia. American Journal of Humanities and Social Sciences Research, 4(3), 72–78. www.ajhssr.com
Apriadi, I., Sembel, R., Wahyu Santosa, P., & Firdaus, M. (2017). KOMPETISI DAN STABILITAS PERBANKAN DI INDONESIA Suatu Pendekatan Analisis Panel Vector Autoregression. Jurnal Manajemen, XXI(01), 33–54.
Azmi, W., Ali, M., Arshad, S., & Rizvi, S. A. R. (2019). Intricacies of competition, stability, and diversification: Evidence from dual banking economies. Economic Modelling, 83, 111–126. https://doi.org/10.1016/j.econmod.2019.02.002
Basyaib, fachmi. (2007). Manajemen Risiko. PT Grafindo.
ben Bouheni, F., & Hasnaoui, A. (2017). Cyclical behavior of the financial stability of eurozone commercial banks. Economic Modelling, 67, 392–408. https://doi.org/10.1016/j.econmod.2017.02.018
Berger, N. A. (2008). Bank Competition abd Financial Stability . Journal of Financial Services Research, 35, 2–21.
Bougatef, K., & Mgadmi, N. (2016). The impact of prudential regulation on bank capital and risk-taking: The case of MENA countries. Spanish Review of Financial Economics, 14(2), 51–56. https://doi.org/10.1016/j.srfe.2015.11.001
Capriani, N. W., & Dana, I. M. (2016). PENGARUH RISIKO KREDIT RISIKO OPERASIONAL DAN RISIKO LIKUIDITAS TERHADAP PROFITABILITAS BPR DI KOTA. E-Jurnal Manajemen Unud, 5(3), , 5(3), 1486–1512.
Chan, Y. , S., Greenbaum, & A. Thakor. (1986). Information reusability, competition and bank asset quality. Journal of Banking and Finance, 10, 243–253.
Demirguc-Kunt, A., & Maritinez, P. M. (2010). A Framework For Analyzing Competition In The Banking Sector: An Application To The Case Of Jordan. World Bank Policy Research Working Paper, 5499.
Demsetz, R., Saidenberg, M., & Strahan, P. (1996). Banks with something to lose: the disciplinary role of franchise value. Federal Reserve Bank of New York Economic Policy Review, 2(2), 1–14.
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Gujarati, D. N. (2006). Ekonometrika Dasar. Penerbit Erlangga.
Hasanatina, F. H., & Mawardi, W. (2016). Analisis Risiko Kebangkrutan Bank Syariah dengan Metode Zscore (Studi Kasus pada Bank Umum Syariah di Indonesia periode 2008-2014) . Diponegoro Journal of Management, 5(2), 269–278.
Hasbi, H., & Haruman, T. (2011). Banking: According To Islamic Sharia Concepts And Its Performance In Indonesia. International Review Of Bussiness Research Paper, 7(1), 60–77.
Hawtrey, K., & Liang, H. (2008). Bank Interest Margins In OECD Countries. The North American Journal Of Economics And Finance, 19(3), 249–260.
Hisan, U. F. C., & Septiarini, D. F. (2020). PENGARUH FAKTOR FUNDAMENTAL DAN VARIABEL MAKROEKONOMI TERHADAP CAPITAL BUFFER BANK SYARIAH. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(2), 356. https://doi.org/10.20473/vol7iss20202pp356-371
Husaeni, U. A. (2017). Determinan Pembiayaan Pada Bank Pembiayaan Rakyat Syariah di Indonesia. ESENSI, 7(1), 49–62. https://doi.org/10.15408/ess.v7i1.4542
Ichsan, N., & Akhiroh, M. (2017). Analisis Pengaruh Ekonomi Makro dan Stabilitas Perbankan Syariah terhadap Pembiayaan Produktif dan Konsumtif pada Perbankan Syariah di Indonesia Periode Januari 2010-Maret 2017. Jurnal Akses , 2(23).
Islam, M. A., Ebenezer, O. O., Sobhani, F. A., & Shahriar, M. S. (2020). The effect of product market competition on stability and capital ratio of banks in Southeast Asian countries. Borsa Istanbul Review, 20(3), 292–300. https://doi.org/10.1016/j.bir.2020.03.001
Jayakumar, M., Pradhan, R. P., Dash, S., Maradana, R. P., & Gaurav, K. (2018). Banking competition, banking stability, and economic growth: Are feedback effects at work? Journal of Economics and Business, 96, 15–41. https://doi.org/10.1016/j.jeconbus.2017.12.004
Jensen, M. C., & Meckling, W. H. (1976). Managerial Behavior, Agency Cost And Ownership Structure . Journal of Financial Economics, 3(4), 305–360.
Jokipii, T., & Milne, A. (2008). The cyclical behaviour of European bank capital buffers. Journal of Banking & Finance, 32(8), 1440–1451.
Kabir, M. N., & Worthington, A. C. (2017). The ‘competition–stability/fragility’ nexus: A comparative analysis of Islamic and conventional banks. International Review of Financial Analysis, 50, 111–128. https://doi.org/10.1016/j.irfa.2017.02.006
Kaufman, G. G. (2002). Too Big To Fail in Banking: What Remains? . The Quarterly Review of Economics and Finance , 42, 423–426.
Khattak, M. A., Hamid, B. A., Islam, M. U., & Ali, M. (2021). Competition, diversification, and stability in the Indonesian banking system. Buletin Ekonomi Moneter Dan Perbankan, 24(14), 59–88. https://doi.org/10.21098/BEMP.V24I0.1481
Kocabay, S. (2009). Bank Competition and Banking System Stability: Evidence From Turkey. Universitas Timur Tengah .
Korbi, F., & Bougatef, K. (2017). Regulatory capital and stability of Islamic and conventional banks. International Journal of Islamic and Middle Eastern Finance and Management, 10(3), 312–330. https://doi.org/10.1108/IMEFM-06-2016-0079
Laksa, pratama G. B., Kusnendi, K., & Utami, S. A. (2020). The Influence of Inflation, Exchange Rates, Car And NPF to Stability of Islamic Banks in Indonesia Period 2015-2019. IQTISHODUNA: Jurnal Ekonomi Islam, 9(1), 29. https://doi.org/10.36835/iqtishoduna.v9i1.468
Lasty, A. D., Nusantara, S. T. D., Laba, A. R., Ali, M., & Soebarsah, M. (2019). Determinants of Islamic Banking Stability in Indonesia. International Journal of Academic Research in Business and Social Sciences, 9(7). https://doi.org/10.6007/ijarbss/v9-i7/6158
Lestari, D. R., & Suprayogi, N. (2020). PENGARUH FAKTOR INTERNAL DAN FAKTOR MAKROEKONOMI TERHADAP STABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(11), 2062. https://doi.org/10.20473/vol7iss202011pp2062-2073
LP, G. B., Kusnendi, K., & Utami, S. A. (2020). The Influence of Inflation, Exchange Rates, CAR and NPF to Stability of Islamic Banks in Indonesia Period 2015-2019. IQTISHODUNA: Jurnal Ekonomi Islam, 9(1), 29–54.
Maharani, N. K., & Setiyono, B. (2018). Do Risk, Business Cycle, And Competition Affect Capital Buffer? An Empirical Study On Islamic Banking In ASEAN And MENA. Journal Of Islamic Monetary Economics And Finance, 3(2), 181–200.
Marcus, A. J. (1984). Deregulation and bank policy. Journal of Banking and Finance , 8, 557–565.
Noman, A. H. M., Gee, C. S., & Isa, C. R. (2017). Does competition improve financial stability of the banking sector in ASEAN countries? An empirical analysis. PLoS ONE, 12(5), 1–27. https://doi.org/10.1371/journal.pone.0176546
Noreen, U., Alamdar, F., & Tariq, T. (2016). International Journal of Economics and Financial Issues Capital Buffers and Bank Risk: Empirical Study of Adjustment of Pakistani Banks. International Journal of Economics and Financial Issues, 6(4), 1798–1806. http:www.econjournals.com
Nugroho, L., & Anisa, N. (2018). Pengaruh Manajemen Bank Induk, Kualitas Aset, dan Efisiensi terhadap Stabilitas Bank Syariah di Indonesia (Periode Tahun 2013-2017). Inovbiz: Jurnal Inovasi Bisnis, 6(2), 114–122.
Purwati, J., Sudarto, & Suwaryo. (2016). ANALISIS HUBUNGAN JANGKA PANJANG DAN JANGKA PENDEK ANTARA NPL, ROE, SIZE DAN LOTA TERHADAP CAPITAL BUFFER. Performance, 23(1), 58-79., 23(1), 58–79.
Republika. (2021, September 22). Republika.Co.Id. Retrieved Oktober 8, 2021, From Modal Inti Bank Syariah: Https://Www.Republika.Co.Id/Berita/Qztm8a318/Modal-Inti-Bank-Syariah.
Roy, A. (1952). Safety First And The Holding Of Assets. Econometrica, 20(3), 431–449.
Rupeika-Apoga, R., Zaidi, S., Thalassinos, Y., & Thalassinos, E. (2018). Bank Stability: The Case of Nordic and Non-Nordic Banks in Latvia. International Journal of Economics and Business Administration, VI(2), 39–55.
Rustendi, T. (2019). PENGARUH KECUKUPAN MODAL TERHADAP STABILITAS KEUANGAN BANK PERKREDITAN RAKYAT. Jurnal Riset Akuntansi Dan Keuangan, 7(3), 531–544. https://doi.org/10.17509/jrak.v7i3.18030
Saksonova, S., & Solovjova, I. (2012). Some quantitative aspects of stability management strategy in a bank. Procedia-Social and Behavioral Sciences, 58, 569–577.
Saputra, A. A., Najmudin, & Shaferi, I. (2020). THE EFFECT OF CREDIT RISK, LIQUIDITY RISK AND CAPITAL ADEQUACY ON BANK STABILITY. Sustainable Competitive Advantage (SCA), 10(1), 153–162.
Schaeck, K., & Čihák, M. (2010). Competition, efficiency, and soundness in banking: An industrial organization perspective. European Banking Center Discussion Paper (2010-20S).
Scott, W. R. (2000). Financial Accounting Theory (International). Prentice-Hall, Inc.
Setiawati, R. I. S. (2020). ANALISIS PENGARUH FAKTOR-FAKTOR FUNDAMENTAL KINERJA BANK DAN MAKRO EKONOMI TERHADAP STABILITAS PERBANKAN DI INDONESIA. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 14(2), 123–132. https://doi.org/10.32812/jibeka.v14i2.194
Siringoringo, R. (2012). Karakteristik Dan Fungsi Intermediasi Perbankan Di Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 15(1), 61–83.
Stiglitz, J. E., & Weiss, A. (1981). Credit rationing in markets with imperfect information. American Economic Review, 71, 393–410.
Whish, R., & Bailey, D. (2012). Competition Law Seventh Edition. (7th ed.). Oxford University Press.
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Albaity, M., Mallek, R. S., & Noman, A. H. M. (2019). Competition and bank stability in the MENA region: The moderating effect of Islamic versus conventional banks. Emerging Markets Review, 38, 310–325. https://doi.org/10.1016/j.ememar.2019.01.003
Ali, M., & Puah, C. H. (2018). Does Bank Size and Funding Risk Effect Banks’ Stability? A Lesson from Pakistan. Global Business Review, 19(5), 1166–1186. https://doi.org/10.1177/0972150918788745
Andiani, L., & Kurnia. (2017). PENGARUH RISIKO, PROFITABILITAS, KEBIJAKAN DIVIDEN, UKURAN, DAN LIKUIDITAS BANK TERHADAP CAPITAL BUFFER. Jurnal Ilmu Dan Riset Akuntansi, 6(5), 2014–2031.
Anggitasari, A. A., & ARFINTO, E. D. (2013). Hubungan Simultan Antara Capital Buffer dan Risiko. In Doctoral dissertation, Fakultas Ekonomika dan Bisnis.
Anggraini, N. M. S., & Baskara, I. G. K. (2020). Factors Affecting Conventional General Bank Capital Buffers In Indonesia. American Journal of Humanities and Social Sciences Research, 4(3), 72–78. www.ajhssr.com
Apriadi, I., Sembel, R., Wahyu Santosa, P., & Firdaus, M. (2017). KOMPETISI DAN STABILITAS PERBANKAN DI INDONESIA Suatu Pendekatan Analisis Panel Vector Autoregression. Jurnal Manajemen, XXI(01), 33–54.
Azmi, W., Ali, M., Arshad, S., & Rizvi, S. A. R. (2019). Intricacies of competition, stability, and diversification: Evidence from dual banking economies. Economic Modelling, 83, 111–126. https://doi.org/10.1016/j.econmod.2019.02.002
Basyaib, fachmi. (2007). Manajemen Risiko. PT Grafindo.
ben Bouheni, F., & Hasnaoui, A. (2017). Cyclical behavior of the financial stability of eurozone commercial banks. Economic Modelling, 67, 392–408. https://doi.org/10.1016/j.econmod.2017.02.018
Berger, N. A. (2008). Bank Competition abd Financial Stability . Journal of Financial Services Research, 35, 2–21.
Bougatef, K., & Mgadmi, N. (2016). The impact of prudential regulation on bank capital and risk-taking: The case of MENA countries. Spanish Review of Financial Economics, 14(2), 51–56. https://doi.org/10.1016/j.srfe.2015.11.001
Capriani, N. W., & Dana, I. M. (2016). PENGARUH RISIKO KREDIT RISIKO OPERASIONAL DAN RISIKO LIKUIDITAS TERHADAP PROFITABILITAS BPR DI KOTA. E-Jurnal Manajemen Unud, 5(3), , 5(3), 1486–1512.
Chan, Y. , S., Greenbaum, & A. Thakor. (1986). Information reusability, competition and bank asset quality. Journal of Banking and Finance, 10, 243–253.
Demirguc-Kunt, A., & Maritinez, P. M. (2010). A Framework For Analyzing Competition In The Banking Sector: An Application To The Case Of Jordan. World Bank Policy Research Working Paper, 5499.
Demsetz, R., Saidenberg, M., & Strahan, P. (1996). Banks with something to lose: the disciplinary role of franchise value. Federal Reserve Bank of New York Economic Policy Review, 2(2), 1–14.
Djebali, N., & Zaghdoudi, K. (2020a). Threshold effects of liquidity risk and credit risk on bank stability in the MENA region. Journal of Policy Modeling, 42(5), 1049–1063. https://doi.org/10.1016/j.jpolmod.2020.01.013
Djebali, N., & Zaghdoudi, K. (2020b). Threshold effects of liquidity risk and credit risk on bank stability in the MENA region. Journal of Policy Modeling, 42(5), 1049–1063. https://doi.org/10.1016/j.jpolmod.2020.01.013
Dolfin, M., Knopoff, D., Limosani, M., & Xibilia, M. G. (2019). Credit risk contagion and systemic risk on networks. Mathematics, 7(8), 713.
Elzinga, K. G., & David, E. M. (2011). The Lerner Index Of Monopoly Power: Origins And Uses. American Economic Review, 101(3), 558–564.
Gani, L., Gitaharie, B. Y., Husodo, Z. A., & Kuncoro, A. (2017). COMPETITION AND COOPERATION IN ECONOMICS AND BUSINESS. Routledge, 141–148.
Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponegoro: .
Gujarati, D. N. (2006). Ekonometrika Dasar. Penerbit Erlangga.
Hasanatina, F. H., & Mawardi, W. (2016). Analisis Risiko Kebangkrutan Bank Syariah dengan Metode Zscore (Studi Kasus pada Bank Umum Syariah di Indonesia periode 2008-2014) . Diponegoro Journal of Management, 5(2), 269–278.
Hasbi, H., & Haruman, T. (2011). Banking: According To Islamic Sharia Concepts And Its Performance In Indonesia. International Review Of Bussiness Research Paper, 7(1), 60–77.
Hawtrey, K., & Liang, H. (2008). Bank Interest Margins In OECD Countries. The North American Journal Of Economics And Finance, 19(3), 249–260.
Hisan, U. F. C., & Septiarini, D. F. (2020). PENGARUH FAKTOR FUNDAMENTAL DAN VARIABEL MAKROEKONOMI TERHADAP CAPITAL BUFFER BANK SYARIAH. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(2), 356. https://doi.org/10.20473/vol7iss20202pp356-371
Husaeni, U. A. (2017). Determinan Pembiayaan Pada Bank Pembiayaan Rakyat Syariah di Indonesia. ESENSI, 7(1), 49–62. https://doi.org/10.15408/ess.v7i1.4542
Ichsan, N., & Akhiroh, M. (2017). Analisis Pengaruh Ekonomi Makro dan Stabilitas Perbankan Syariah terhadap Pembiayaan Produktif dan Konsumtif pada Perbankan Syariah di Indonesia Periode Januari 2010-Maret 2017. Jurnal Akses , 2(23).
Islam, M. A., Ebenezer, O. O., Sobhani, F. A., & Shahriar, M. S. (2020). The effect of product market competition on stability and capital ratio of banks in Southeast Asian countries. Borsa Istanbul Review, 20(3), 292–300. https://doi.org/10.1016/j.bir.2020.03.001
Jayakumar, M., Pradhan, R. P., Dash, S., Maradana, R. P., & Gaurav, K. (2018). Banking competition, banking stability, and economic growth: Are feedback effects at work? Journal of Economics and Business, 96, 15–41. https://doi.org/10.1016/j.jeconbus.2017.12.004
Jensen, M. C., & Meckling, W. H. (1976). Managerial Behavior, Agency Cost And Ownership Structure . Journal of Financial Economics, 3(4), 305–360.
Jokipii, T., & Milne, A. (2008). The cyclical behaviour of European bank capital buffers. Journal of Banking & Finance, 32(8), 1440–1451.
Kabir, M. N., & Worthington, A. C. (2017). The ‘competition–stability/fragility’ nexus: A comparative analysis of Islamic and conventional banks. International Review of Financial Analysis, 50, 111–128. https://doi.org/10.1016/j.irfa.2017.02.006
Kaufman, G. G. (2002). Too Big To Fail in Banking: What Remains? . The Quarterly Review of Economics and Finance , 42, 423–426.
Khattak, M. A., Hamid, B. A., Islam, M. U., & Ali, M. (2021). Competition, diversification, and stability in the Indonesian banking system. Buletin Ekonomi Moneter Dan Perbankan, 24(14), 59–88. https://doi.org/10.21098/BEMP.V24I0.1481
Kocabay, S. (2009). Bank Competition and Banking System Stability: Evidence From Turkey. Universitas Timur Tengah .
Korbi, F., & Bougatef, K. (2017). Regulatory capital and stability of Islamic and conventional banks. International Journal of Islamic and Middle Eastern Finance and Management, 10(3), 312–330. https://doi.org/10.1108/IMEFM-06-2016-0079
Laksa, pratama G. B., Kusnendi, K., & Utami, S. A. (2020). The Influence of Inflation, Exchange Rates, Car And NPF to Stability of Islamic Banks in Indonesia Period 2015-2019. IQTISHODUNA: Jurnal Ekonomi Islam, 9(1), 29. https://doi.org/10.36835/iqtishoduna.v9i1.468
Lasty, A. D., Nusantara, S. T. D., Laba, A. R., Ali, M., & Soebarsah, M. (2019). Determinants of Islamic Banking Stability in Indonesia. International Journal of Academic Research in Business and Social Sciences, 9(7). https://doi.org/10.6007/ijarbss/v9-i7/6158
Lestari, D. R., & Suprayogi, N. (2020). PENGARUH FAKTOR INTERNAL DAN FAKTOR MAKROEKONOMI TERHADAP STABILITAS BANK UMUM SYARIAH DI INDONESIA PERIODE 2012-2018. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(11), 2062. https://doi.org/10.20473/vol7iss202011pp2062-2073
LP, G. B., Kusnendi, K., & Utami, S. A. (2020). The Influence of Inflation, Exchange Rates, CAR and NPF to Stability of Islamic Banks in Indonesia Period 2015-2019. IQTISHODUNA: Jurnal Ekonomi Islam, 9(1), 29–54.
Maharani, N. K., & Setiyono, B. (2018). Do Risk, Business Cycle, And Competition Affect Capital Buffer? An Empirical Study On Islamic Banking In ASEAN And MENA. Journal Of Islamic Monetary Economics And Finance, 3(2), 181–200.
Marcus, A. J. (1984). Deregulation and bank policy. Journal of Banking and Finance , 8, 557–565.
Noman, A. H. M., Gee, C. S., & Isa, C. R. (2017). Does competition improve financial stability of the banking sector in ASEAN countries? An empirical analysis. PLoS ONE, 12(5), 1–27. https://doi.org/10.1371/journal.pone.0176546
Noreen, U., Alamdar, F., & Tariq, T. (2016). International Journal of Economics and Financial Issues Capital Buffers and Bank Risk: Empirical Study of Adjustment of Pakistani Banks. International Journal of Economics and Financial Issues, 6(4), 1798–1806. http:www.econjournals.com
Nugroho, L., & Anisa, N. (2018). Pengaruh Manajemen Bank Induk, Kualitas Aset, dan Efisiensi terhadap Stabilitas Bank Syariah di Indonesia (Periode Tahun 2013-2017). Inovbiz: Jurnal Inovasi Bisnis, 6(2), 114–122.
Purwati, J., Sudarto, & Suwaryo. (2016). ANALISIS HUBUNGAN JANGKA PANJANG DAN JANGKA PENDEK ANTARA NPL, ROE, SIZE DAN LOTA TERHADAP CAPITAL BUFFER. Performance, 23(1), 58-79., 23(1), 58–79.
Republika. (2021, September 22). Republika.Co.Id. Retrieved Oktober 8, 2021, From Modal Inti Bank Syariah: Https://Www.Republika.Co.Id/Berita/Qztm8a318/Modal-Inti-Bank-Syariah.
Roy, A. (1952). Safety First And The Holding Of Assets. Econometrica, 20(3), 431–449.
Rupeika-Apoga, R., Zaidi, S., Thalassinos, Y., & Thalassinos, E. (2018). Bank Stability: The Case of Nordic and Non-Nordic Banks in Latvia. International Journal of Economics and Business Administration, VI(2), 39–55.
Rustendi, T. (2019). PENGARUH KECUKUPAN MODAL TERHADAP STABILITAS KEUANGAN BANK PERKREDITAN RAKYAT. Jurnal Riset Akuntansi Dan Keuangan, 7(3), 531–544. https://doi.org/10.17509/jrak.v7i3.18030
Saksonova, S., & Solovjova, I. (2012). Some quantitative aspects of stability management strategy in a bank. Procedia-Social and Behavioral Sciences, 58, 569–577.
Saputra, A. A., Najmudin, & Shaferi, I. (2020). THE EFFECT OF CREDIT RISK, LIQUIDITY RISK AND CAPITAL ADEQUACY ON BANK STABILITY. Sustainable Competitive Advantage (SCA), 10(1), 153–162.
Schaeck, K., & Čihák, M. (2010). Competition, efficiency, and soundness in banking: An industrial organization perspective. European Banking Center Discussion Paper (2010-20S).
Scott, W. R. (2000). Financial Accounting Theory (International). Prentice-Hall, Inc.
Setiawati, R. I. S. (2020). ANALISIS PENGARUH FAKTOR-FAKTOR FUNDAMENTAL KINERJA BANK DAN MAKRO EKONOMI TERHADAP STABILITAS PERBANKAN DI INDONESIA. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 14(2), 123–132. https://doi.org/10.32812/jibeka.v14i2.194
Siringoringo, R. (2012). Karakteristik Dan Fungsi Intermediasi Perbankan Di Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 15(1), 61–83.
Stiglitz, J. E., & Weiss, A. (1981). Credit rationing in markets with imperfect information. American Economic Review, 71, 393–410.
Whish, R., & Bailey, D. (2012). Competition Law Seventh Edition. (7th ed.). Oxford University Press.
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Published
2022-07-20
How to Cite
Wicaksono, P., Sofyan, M., Hasbullah, N., & Anwar, S. (2022). Analysis of Capital Buffer in Mediation of The Influence of Competition, Size of The Bank And Credit Risk on Stability. Annual International Conference on Islamic Economics and Business (AICIEB), 2(1), 179-197. https://doi.org/https://doi.org/10.18326/aicieb.v2i1.207
Section
ARTICLES
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