How to cite this paper
Damayanthi, I., Wiagustini, N., Suartana, I & Rahyuda, H. (2023). Strategies to reduce credit risk and liquidity risk to increase bank profitability.Uncertain Supply Chain Management, 11(4), 1759-1768.
Refrences
Abbas, F., Iqbal, S., & Aziz, B. (2019). The impact of bank capital, bank liquidity and credit risk on profitability in postcrisis period: A comparative study of US and Asia. Cogent Economics and Finance, 7(1), 1–18. https://doi.org/10.1080/23322039.2019.1605683
Abdelaziz, H., Rim, B., & Helmi, H. (2020). The Interactional Relationships Between Credit Risk, Liquidity Risk and Bank Profitability in MENA Region. Global Business Review. https://doi.org/10.1177/0972150919879304
Abedifar, P., Molyneux, P., & Tarazi, A. (2018). Non-interest income and bank lending. Journal of Banking and Finance, 87, 411–426. https://doi.org/10.1016/j.jbankfin.2017.11.003
Ali, M., & Khattak, M. A. (2020). Income structure and performance: An empirical analysis of islamic and conventional banks in Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 23, 87–108. https://doi.org/10.21098/bemp.v23i0.1193
Athanasoglou, P.P., S. N. B. and M. D. D. (2006). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121–136. https://doi.org/10.5267/j.uscm.2023.1.009
Azhari, A., & Kadir, H. (2018). The effects of liquidity, profitability and board characteristics on debt restructuring likelihood among Malaysian GLCs. Journal of Social Sciences Research, 2018(Special Issue 6), 942–950. https://doi.org/10.32861/jssr.spi6.942.950
Bawa, J. K., & Basu, S. (2020). Restructuring assets reform, 2013: Impact of operational ability, liquidity, bank capital, profitability and capital on bank credit risk. IIMB Management Review, 32(3), 267–279. https://doi.org/10.1016/j.iimb.2019.10.009
Binsaddig, R., Ali, A., Ali, B. J. A., & Alkawi, T. Al. (2023). The effect of capital and liquidity risks on financial performance: An empirical examination on banking industry. Uncertain Supply Chain Management, 11(2), 593–600. https://doi.org/10.5267/j.uscm.2023.2.005
Brahmana, R., Kontesa, M., & Gilbert, R. E. (2018). Income diversification and bank performance: Evidence from Malaysian banks. Economics Bulletin, 38(2), 799–809.
Brigham, E. Daves, P. (2018). Intermediate financial management. In The British Accounting Review (Vol. 13). https://doi.org/10.1016/0890-8389(89)90100-5
Burakov, D. (2014). Credit cycles & debt restructuring: Refining theoretical flaws. Review of European Studies, 6(4), 1–11. https://doi.org/10.5539/res.v6n4p1
Cheng, P. L., & Deets, M. K. (1971). Portfolio Returns and the Random Walk Theory. The Journal of Finance, 26(1), 11–30. https://doi.org/10.1111/j.1540-6261.1971.tb00585.x
Cherubini, U., & Lunga, G. Della. (2001). Liquidity and credit risk. Applied Mathematical Finance, 8(2), 79–95. https://doi.org/10.1080/13504860110061013
Damayanthi, I. G. A. E., Wiagustini, N. L. P., Suartana, I. W., & Rahyuda, H. (2022). Loan restructuring as a banking solution in the COVID-19 pandemic: Based on contingency theory. Banks and Bank Systems, 17(1), 196–206. https://doi.org/10.21511/bbs.17(1).2022.17
David, F. R. (2011). Strategic Management. In Salemba Empat Jakarta.
Demiroglu, C. (2015). Bank loans and troubled debt restructurings. Journal of Financial Economics, 118(1), 192–210. https://doi.org/10.1016/j.jfineco.2015.01.005
Demiroglu, C., & James, C. (2015). Bank loans and troubled debt restructurings. Journal of Financial Economics, 118(1), 192–210. https://doi.org/10.1016/j.jfineco.2015.01.005
Devinney, T. M., Stewart, D. W., & Shocker, A. D. (1985). A Note on the Application of Portfolio Theory: A Comment on Cardozo and Smith. Journal of Marketing, 49(4), 107. https://doi.org/10.2307/1251437
Deyoung, R., & Rice, T. (2004). DeYoung_et_al-2004-Financial_Review.pdf. 39, 101–127.
Donaldson, T., & Preston, L. E. (1995). The Stakeholder Theory of the Corporation: Concepts, Evidence, and Implications. The Academy of Management Review, 20(1), 65. https://doi.org/10.2307/258887
Duffy, T., Hatzakis, M., Hsu, W., Labe, R., Liao, B., Luo, X., Oh, J., Setya, A., & Yang, L. (2005). Merrill Lynch improves liquidity risk management for revolving credit lines. Interfaces, 35(5), 353–369. https://doi.org/10.1287/inte.1050.0157
Ebenezer, O. O., Islam, M. A., Junoh, M. Z. M., & Yusoff, W. S. (2019a). The Effects of Financing Risk on the Value of Firm and Profitability: Evidence from Nigerian Commercial Banks. Asian Economic and Financial Review, 9(7), 864–874. https://doi.org/10.18488/journal.aefr.2019.97.864.874
Ebenezer, O. O., Islam, M. A., Yusoff, W. S., & Rahman, S. (2019b). The effects of liquidity risk and interest-rate risk on profitability and firm value among banks in ASEAN-5 countries. Journal of Reviews on Global Economics, 8, 337–349. https://doi.org/10.6000/1929-7092.2019.08.29
Ebenezer, O. O., Islam, M. A., Yusoff, W. S., & Sobhani, F. A. (2018). Exploring liquidity risk and interest-rate risk: Implications for profitability and firm value in Nigerian banks. Journal of Reviews on Global Economics, 8(June), 315–326. https://doi.org/10.6000/1929-7092.2019.08.27
Elsas, R., Hackethal, A., & Holzhäuser, M. (2010). The anatomy of bank diversification. Journal of Banking and Finance, 34(6), 1274–1287. https://doi.org/10.1016/j.jbankfin.2009.11.024
Fernández, A. I., González, F., & Suárez, N. (2016). Banking stability, competition, and economic volatility. Journal of Financial Stability, 22, 101–120. https://doi.org/10.1016/j.jfs.2016.01.005
Forgione, A. F., & Migliardo, C. (2019). An empirical analysis of the impact of trade credit on bank debt restructuring. Economia Politica, 36(2), 415–438. https://doi.org/10.1007/s40888-018-0110-x
Freeman, R. E. (1983). The Politics of Stakeholder Theory : Some Future Directions. Business Ethics Quarterly, 4(4), 409–421.
George, T. J., & Hwang, C. Y. (2010). A resolution of the distress risk and leverage puzzles in the cross section of stock returns. Journal of Financial Economics, 96(1), 56–79. https://doi.org/10.1016/j.jfineco.2009.11.003
Ghosala, S. (2019). Introduction to the special issue on sovereign debt restructuring. In Oxford Economic Papers (Vol. 71, Issue 2, pp. 309–319). https://doi.org/10.1093/oep/gpz020
Ghosala, Sayantan, & Miller, M. (2019). Introduction to the special issue on sovereign debt restructuring. Oxford Economic Papers, 71(2), 309–319. https://doi.org/10.1093/oep/gpz020
Gurbuz, A. O., Yanik, S., & Ayturk, Y. (2013). Income Diversification and Bank Performance: Evidence From Turkish Banking Sector. Journal of BRSA Banking and Financial Markets, 7(1), 9–29.
Harban, F. Ali, Basel. Oudat, M. (2021). The Effect of Valontery Disclouser on the Financial Performance of Commertial Banks Sector on Bahrain Bourse: An Empirical Study. Information Sciences Letters, 10(Special Issue), 71–89. https://doi.org/10.18576/isl/10s107
Jiang, J. (2019). The impact of debt restructuring on firm investment: Evidence from China. Economic Modelling, 81, 325–337. https://doi.org/10.1016/j.econmod.2019.05.019
Jiang, W., Ou, J., & Zhu, Z. (2021). Mutual Fund Holdings of Credit Default Swaps: Liquidity, Yield, and Risk. Journal of Finance, 76(2), 537–586. https://doi.org/10.1111/jofi.12996
Jihadi, M., Vilantika, E., Hashemi, S. M., Arifin, Z., Bachtiar, Y., & Sholichah, F. (2021). The Effect of Liquidity, Leverage, and Profitability on Firm Value: Empirical Evidence from Indonesia. Journal of Asian Finance, Economics and Business, 8(3), 423–431. https://doi.org/10.13106/jafeb.2021.vol8.no3.0423
Kim, W., YoungKyung, K., & Shu-Feng, W. (2019). Debt restructuring through equity issues. Journal of Banking and Finance, 106, 341–356. https://doi.org/10.1016/j.jbankfin.2019.07.002
Kiweu, J. M. (2012). Income Diversification in the Banking Sector and Earnings Volatility: Evidence from Kenyan Commercial Banks. Working Paper Series: Centre for Research on Financial Markets and Policy, WPS/02/12(December), 1–32.
Lawrence, A. (2011). Can big 4 versus non-big 4 differences in audit-quality proxies be attributed to client characteristics? Accounting Review, 86(1), 259–286. https://doi.org/10.2308/accr.00000009
Lee, C. C., Yang, S. J., & Chang, C. H. (2014). Non-interest income, profitability, and risk in banking industry: A cross-country analysis. North American Journal of Economics and Finance, 27, 48–67. https://doi.org/10.1016/j.najef.2013.11.002
Lepetit, L., Nys, E., Rous, P., & Tarazi, A. (2008). Bank income structure and risk: An empirical analysis of European banks. Journal of Banking and Finance, 32(8), 1452–1467. https://doi.org/10.1016/j.jbankfin.2007.12.002
Luu, H. N., Nguyen, L. Q. T., Vu, Q. H., & Tuan, L. Q. (2019). Income diversification and financial performance of commercial banks in Vietnam: Do experience and ownership structure matter? Review of Behavioral Finance, 12(3), 185–199. https://doi.org/10.1108/RBF-05-2019-0066
Madugu, A. H., Ibrahim, M., & Amoah, J. O. (2020). Differential effects of credit risk and capital adequacy ratio on profitability of the domestic banking sector in Ghana. Transnational Corporations Review, 12(1), 37–52. https://doi.org/10.1080/19186444.2019.1704582
Marín Hernández, S., Gras Gil, E., & Anton Renart, M. (2015). Spanish credit institutions: Do efficiency and solvency support the first decisions on bank restructuring from a financial point of view 2008-2012? Contaduria y Administracion, 60(2), 367–388. https://doi.org/10.1016/S0186-1042(15)30005-X
Marozva, G. (2015). Liquidity and bank performance. The International Business & Economics Research Journal (Online), 14(3), 453. https://doi.org/10.6000/1929-7092.2019.08.29
Mendoza, R., & Rivera, J. P. R. (2017). The effect of credit risk and capital adequacy on the profitability of rural banks in the Philippines. Scientific Annals of Economics and Business, 64(1), 83–96. https://doi.org/10.1515/saeb-2017-0006
Menicucci and Paolucci. (2019). The relationship between bank’s credit risk, liquidity, and capital adequacy towards its profitability in Indonesia. International Journal of Recent Technology and Engineering, 7(5), 225–237.
Meslier, C., Tacneng, R., & Tarazi, A. (2014). Is bank income diversification beneficial? Evidence from an emerging economy. Journal of International Financial Markets, Institutions and Money, 31(1), 97–126. https://doi.org/10.1016/j.intfin.2014.03.007
Moeljadi, Titisari, K. H., Supriyati, T. S., & Yuniarsa, S. O. (2020). Determinant firm value of the banking sector listing on the Indonesia stock exchange: Mediated by profitability. International Journal of Scientific and Technology Research, 9(4), 2158–2161.
Noe, T. (2000). Strategic debt restructuring. Review of Financial Studies, 13(4), 985–1015. https://doi.org/10.1093/rfs/13.4.985
Oleiwi, A. T., Ali, M., Jassim, S. H., Nadhim, M. H., Gueme, G. M., & Bujang, N. (2019). The relationship between credit risk management practices and profitability in malaysian commercial bank`s. International Journal of Engineering and Advanced Technology, 8(5), 53–59. https://doi.org/10.35940/ijeat.E1007.0585C19
Oudat, M., & Ali, B. (2021). The Underlying Effect of Risk Management On Banks’ Financial Performance: An Analytical Study On Commercial and Investment Banking in Bahrain The Underlying Effect of Risk Management On Banks’ Financial Performance: An Analytical Study On Commercial and I. Ilkogretim Online-Elementary Education Online, Year, 20(5), 404–414. https://doi.org/10.17051/ilkonline.2021.05.42
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Abedifar, P., Molyneux, P., & Tarazi, A. (2018). Non-interest income and bank lending. Journal of Banking and Finance, 87, 411–426. https://doi.org/10.1016/j.jbankfin.2017.11.003
Ali, M., & Khattak, M. A. (2020). Income structure and performance: An empirical analysis of islamic and conventional banks in Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 23, 87–108. https://doi.org/10.21098/bemp.v23i0.1193
Athanasoglou, P.P., S. N. B. and M. D. D. (2006). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121–136. https://doi.org/10.5267/j.uscm.2023.1.009
Azhari, A., & Kadir, H. (2018). The effects of liquidity, profitability and board characteristics on debt restructuring likelihood among Malaysian GLCs. Journal of Social Sciences Research, 2018(Special Issue 6), 942–950. https://doi.org/10.32861/jssr.spi6.942.950
Bawa, J. K., & Basu, S. (2020). Restructuring assets reform, 2013: Impact of operational ability, liquidity, bank capital, profitability and capital on bank credit risk. IIMB Management Review, 32(3), 267–279. https://doi.org/10.1016/j.iimb.2019.10.009
Binsaddig, R., Ali, A., Ali, B. J. A., & Alkawi, T. Al. (2023). The effect of capital and liquidity risks on financial performance: An empirical examination on banking industry. Uncertain Supply Chain Management, 11(2), 593–600. https://doi.org/10.5267/j.uscm.2023.2.005
Brahmana, R., Kontesa, M., & Gilbert, R. E. (2018). Income diversification and bank performance: Evidence from Malaysian banks. Economics Bulletin, 38(2), 799–809.
Brigham, E. Daves, P. (2018). Intermediate financial management. In The British Accounting Review (Vol. 13). https://doi.org/10.1016/0890-8389(89)90100-5
Burakov, D. (2014). Credit cycles & debt restructuring: Refining theoretical flaws. Review of European Studies, 6(4), 1–11. https://doi.org/10.5539/res.v6n4p1
Cheng, P. L., & Deets, M. K. (1971). Portfolio Returns and the Random Walk Theory. The Journal of Finance, 26(1), 11–30. https://doi.org/10.1111/j.1540-6261.1971.tb00585.x
Cherubini, U., & Lunga, G. Della. (2001). Liquidity and credit risk. Applied Mathematical Finance, 8(2), 79–95. https://doi.org/10.1080/13504860110061013
Damayanthi, I. G. A. E., Wiagustini, N. L. P., Suartana, I. W., & Rahyuda, H. (2022). Loan restructuring as a banking solution in the COVID-19 pandemic: Based on contingency theory. Banks and Bank Systems, 17(1), 196–206. https://doi.org/10.21511/bbs.17(1).2022.17
David, F. R. (2011). Strategic Management. In Salemba Empat Jakarta.
Demiroglu, C. (2015). Bank loans and troubled debt restructurings. Journal of Financial Economics, 118(1), 192–210. https://doi.org/10.1016/j.jfineco.2015.01.005
Demiroglu, C., & James, C. (2015). Bank loans and troubled debt restructurings. Journal of Financial Economics, 118(1), 192–210. https://doi.org/10.1016/j.jfineco.2015.01.005
Devinney, T. M., Stewart, D. W., & Shocker, A. D. (1985). A Note on the Application of Portfolio Theory: A Comment on Cardozo and Smith. Journal of Marketing, 49(4), 107. https://doi.org/10.2307/1251437
Deyoung, R., & Rice, T. (2004). DeYoung_et_al-2004-Financial_Review.pdf. 39, 101–127.
Donaldson, T., & Preston, L. E. (1995). The Stakeholder Theory of the Corporation: Concepts, Evidence, and Implications. The Academy of Management Review, 20(1), 65. https://doi.org/10.2307/258887
Duffy, T., Hatzakis, M., Hsu, W., Labe, R., Liao, B., Luo, X., Oh, J., Setya, A., & Yang, L. (2005). Merrill Lynch improves liquidity risk management for revolving credit lines. Interfaces, 35(5), 353–369. https://doi.org/10.1287/inte.1050.0157
Ebenezer, O. O., Islam, M. A., Junoh, M. Z. M., & Yusoff, W. S. (2019a). The Effects of Financing Risk on the Value of Firm and Profitability: Evidence from Nigerian Commercial Banks. Asian Economic and Financial Review, 9(7), 864–874. https://doi.org/10.18488/journal.aefr.2019.97.864.874
Ebenezer, O. O., Islam, M. A., Yusoff, W. S., & Rahman, S. (2019b). The effects of liquidity risk and interest-rate risk on profitability and firm value among banks in ASEAN-5 countries. Journal of Reviews on Global Economics, 8, 337–349. https://doi.org/10.6000/1929-7092.2019.08.29
Ebenezer, O. O., Islam, M. A., Yusoff, W. S., & Sobhani, F. A. (2018). Exploring liquidity risk and interest-rate risk: Implications for profitability and firm value in Nigerian banks. Journal of Reviews on Global Economics, 8(June), 315–326. https://doi.org/10.6000/1929-7092.2019.08.27
Elsas, R., Hackethal, A., & Holzhäuser, M. (2010). The anatomy of bank diversification. Journal of Banking and Finance, 34(6), 1274–1287. https://doi.org/10.1016/j.jbankfin.2009.11.024
Fernández, A. I., González, F., & Suárez, N. (2016). Banking stability, competition, and economic volatility. Journal of Financial Stability, 22, 101–120. https://doi.org/10.1016/j.jfs.2016.01.005
Forgione, A. F., & Migliardo, C. (2019). An empirical analysis of the impact of trade credit on bank debt restructuring. Economia Politica, 36(2), 415–438. https://doi.org/10.1007/s40888-018-0110-x
Freeman, R. E. (1983). The Politics of Stakeholder Theory : Some Future Directions. Business Ethics Quarterly, 4(4), 409–421.
George, T. J., & Hwang, C. Y. (2010). A resolution of the distress risk and leverage puzzles in the cross section of stock returns. Journal of Financial Economics, 96(1), 56–79. https://doi.org/10.1016/j.jfineco.2009.11.003
Ghosala, S. (2019). Introduction to the special issue on sovereign debt restructuring. In Oxford Economic Papers (Vol. 71, Issue 2, pp. 309–319). https://doi.org/10.1093/oep/gpz020
Ghosala, Sayantan, & Miller, M. (2019). Introduction to the special issue on sovereign debt restructuring. Oxford Economic Papers, 71(2), 309–319. https://doi.org/10.1093/oep/gpz020
Gurbuz, A. O., Yanik, S., & Ayturk, Y. (2013). Income Diversification and Bank Performance: Evidence From Turkish Banking Sector. Journal of BRSA Banking and Financial Markets, 7(1), 9–29.
Harban, F. Ali, Basel. Oudat, M. (2021). The Effect of Valontery Disclouser on the Financial Performance of Commertial Banks Sector on Bahrain Bourse: An Empirical Study. Information Sciences Letters, 10(Special Issue), 71–89. https://doi.org/10.18576/isl/10s107
Jiang, J. (2019). The impact of debt restructuring on firm investment: Evidence from China. Economic Modelling, 81, 325–337. https://doi.org/10.1016/j.econmod.2019.05.019
Jiang, W., Ou, J., & Zhu, Z. (2021). Mutual Fund Holdings of Credit Default Swaps: Liquidity, Yield, and Risk. Journal of Finance, 76(2), 537–586. https://doi.org/10.1111/jofi.12996
Jihadi, M., Vilantika, E., Hashemi, S. M., Arifin, Z., Bachtiar, Y., & Sholichah, F. (2021). The Effect of Liquidity, Leverage, and Profitability on Firm Value: Empirical Evidence from Indonesia. Journal of Asian Finance, Economics and Business, 8(3), 423–431. https://doi.org/10.13106/jafeb.2021.vol8.no3.0423
Kim, W., YoungKyung, K., & Shu-Feng, W. (2019). Debt restructuring through equity issues. Journal of Banking and Finance, 106, 341–356. https://doi.org/10.1016/j.jbankfin.2019.07.002
Kiweu, J. M. (2012). Income Diversification in the Banking Sector and Earnings Volatility: Evidence from Kenyan Commercial Banks. Working Paper Series: Centre for Research on Financial Markets and Policy, WPS/02/12(December), 1–32.
Lawrence, A. (2011). Can big 4 versus non-big 4 differences in audit-quality proxies be attributed to client characteristics? Accounting Review, 86(1), 259–286. https://doi.org/10.2308/accr.00000009
Lee, C. C., Yang, S. J., & Chang, C. H. (2014). Non-interest income, profitability, and risk in banking industry: A cross-country analysis. North American Journal of Economics and Finance, 27, 48–67. https://doi.org/10.1016/j.najef.2013.11.002
Lepetit, L., Nys, E., Rous, P., & Tarazi, A. (2008). Bank income structure and risk: An empirical analysis of European banks. Journal of Banking and Finance, 32(8), 1452–1467. https://doi.org/10.1016/j.jbankfin.2007.12.002
Luu, H. N., Nguyen, L. Q. T., Vu, Q. H., & Tuan, L. Q. (2019). Income diversification and financial performance of commercial banks in Vietnam: Do experience and ownership structure matter? Review of Behavioral Finance, 12(3), 185–199. https://doi.org/10.1108/RBF-05-2019-0066
Madugu, A. H., Ibrahim, M., & Amoah, J. O. (2020). Differential effects of credit risk and capital adequacy ratio on profitability of the domestic banking sector in Ghana. Transnational Corporations Review, 12(1), 37–52. https://doi.org/10.1080/19186444.2019.1704582
Marín Hernández, S., Gras Gil, E., & Anton Renart, M. (2015). Spanish credit institutions: Do efficiency and solvency support the first decisions on bank restructuring from a financial point of view 2008-2012? Contaduria y Administracion, 60(2), 367–388. https://doi.org/10.1016/S0186-1042(15)30005-X
Marozva, G. (2015). Liquidity and bank performance. The International Business & Economics Research Journal (Online), 14(3), 453. https://doi.org/10.6000/1929-7092.2019.08.29
Mendoza, R., & Rivera, J. P. R. (2017). The effect of credit risk and capital adequacy on the profitability of rural banks in the Philippines. Scientific Annals of Economics and Business, 64(1), 83–96. https://doi.org/10.1515/saeb-2017-0006
Menicucci and Paolucci. (2019). The relationship between bank’s credit risk, liquidity, and capital adequacy towards its profitability in Indonesia. International Journal of Recent Technology and Engineering, 7(5), 225–237.
Meslier, C., Tacneng, R., & Tarazi, A. (2014). Is bank income diversification beneficial? Evidence from an emerging economy. Journal of International Financial Markets, Institutions and Money, 31(1), 97–126. https://doi.org/10.1016/j.intfin.2014.03.007
Moeljadi, Titisari, K. H., Supriyati, T. S., & Yuniarsa, S. O. (2020). Determinant firm value of the banking sector listing on the Indonesia stock exchange: Mediated by profitability. International Journal of Scientific and Technology Research, 9(4), 2158–2161.
Noe, T. (2000). Strategic debt restructuring. Review of Financial Studies, 13(4), 985–1015. https://doi.org/10.1093/rfs/13.4.985
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