THE EFFECT OF THE RISK MANAGEMENT IMPLEMENTATION ON STOCK RETURNS IN THE BANKING INDUSTRY LISTED ON THE INDONESIA STOCK EXCHANGE 2016-2019 PERIOD
DOI:
https://doi.org/10.31933/dijdbm.v2i6.1004Keywords:
Risk Management, Commercial Banks, The Best ModelAbstract
The aim of this research was to determine the conditions of the application of risk management for commercial banks in Indonesia and to determine the effect of the application of risk management on banking stock price returns based on model 1, model 2, model 3 and determine the best model for stock price return estimation. In measuring the level of risk management implementation in banking, two approaches are used, namely trend analysis and empirical analysis. The following conclusions can be drawn: (1) In model 1, trends The movement of the NETIM variable in one year from period one (March) to period four (December) always goes up and down at the beginning of the year. next. The NONIM variable, the movement in the quarterly period at the beginning tends to be flat, starting to rise in the December 2016 period, while the movement from year to year is not very volatile. (2) In model 2, the trend of the movement of the AVERAGE variable during the 2016-2019 period tends to increase as indicated by the trend line . (3) In model 3, trends The movement of the PRIN1 and PRIN2 variables from year to year during the study period seems to fluctuate (4) Based on the results of the comparison of the four regression estimation models, it can be concluded that the first model is the best model in explain the variation of the movement of the return variable.
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Mwaurah , Isaac, Willy Muturi , Anthony Waititu, 2017. The Influence of Financial Risk on Stock Returns, International Journal of Scientific and Research Publications, Volume 7, Issue 5, May 2017
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Rasyid, Tirta Maulana, Riska Yustisiana, dan Oki Annas F. 2019. Analisis Pengaruh Implementasi Manajemen Risiko Terhadap Kinerja Keuangan Pada Sektor Perbankan Yang Listing Di Bursa Efek Indonesia (BEI) Periode 2011-2017, Journal of Business Finance & Accounting · February 2019
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Rivendra, Uki., Sudjono, Sudjono., at al., (2021)” Financial Distress Prediction: Case Study Plantation Companies Listed on Indonesia Stock Exchange” Proceedings of the 1st MICOSS Mercu Buana International Conference on Social Sciences, September 28-29, 2020, Jakarta, Indonesia-http://dx.doi.org/10.4108/eai.28-9-2020.Vol.9. Series CCER .2307365.ISBN 1234-5678. ISSN 1234-56
Saluy, A. B., Djamil, M., Setiawan, M. S., & Kemalasari, N. Analysis of The Influence of Total Quality Management (TQM) Principles on Service Quality.
Saluy, A. B., PRAWIRA, B., & Buntaran, D. F. A. A. (2019). The Influence of Leadership, Working Culture, and Working Environment for the Ministry of Administrative Reform and Bureaucracy. International Journal of Business and Economic Affairs, 4(5), 224-234.
Sasongko, Arief Sugiarto dan Cicilia Erna Susilawati, 2017. Pengaruh Risk Profile, Earnings, Dan Capital Terhadap Nilai Perusahaan Melalui Good Corporate Govermance (Studi pada Perusahaan Perbankan di Indonesia), Jurnal Ilmiah Mahasiswa Manajemen (JUMMA) Vol 6 no 2 Desember 2017
Saputra, Yulius Yuwono., Sudjono, Sudjono., at al., (2021)” Influence of Political Events, Inflation, and the Exchange Rate on Credit Growth of Commercial Banks” Proceedings of the 1st MICOSS Mercu Buana International Conference on Social Sciences, September 28-29, 2020, Jakarta, Indonesia.Vol.9. Series CCER. .2307365.ISBN 1234-5678. ISSN 1234-56
Sensarma, Rudra dan M. Jayadev, 2009. Are bank stocks sensitive to risk management?, Journal of Risk Finance, Emerald Group Publishing, vol. 10(1), pages 7-22, January
Sinha, Ratna, 2013. An Analysis Of Risk And Return In Equity Investment In Banking Sector, International Journal of Current Research Vol. 5, Issue, 08, pp.2336-2338, August, 2013
Sri Marti Pramudena., Ahmad Badawi Saluy., Abdul Muhith., The Effect of Work Motivation and Compensation on the Non-State Employees’ Work Performance with Work Satisfaction as Intervening Variables at the National Land Agency, the Regency of Bekasi. Vol.4, No.2, 2021 page,253-264
Steelyana, Evi dan Dianto Kurnia Parulian Sinaga, 2012. Rasio Camel Dan Return Saham Perbankan (Analisa Tingkat Rasio Camel Terhadap Nilai Return Saham Perbankan, Studi Kasus Di BEI 2007-2011), Jurnal Riset Manajemen Vol 1, No 1 (2012)
Suzulia, M. T., at al. (2020). THE EFFECT OF CAPITAL STRUCTURE, COMPANY GROWTH, AND INFLATION ON FIRM VALUE WITH PROFITABILITY AS INTERVENING VARIABLE (STUDY ON MANUFACTURING COMPANIES LISTED ON BEI PERIOD 2014-2018). Dinasti International Journal of Economics, Finance & Accounting, 1(1), 95-109.
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Mosey, Angela Christin, Parengkuan Tommy dan Victoria Untu, 2018. Pengaruh Risiko Pasar Dan Risiko Kredit Terhadap Profitabilitas Pada Bank Umum Bumn Yang Terdaftar Di BEI Periode 2012-2016, Jurnal EMBA Vol.6 No.3 Juli 2018, Hal. 1338 – 1347
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Ahmad Badawi Saluy.,(2018)” Recruitmen and profitability management (case study of primary sector companies listed on Indonesia Stock Exchange 2007-2016” International conference on Design, Engineering Sciences. https://iopscience.iop.org/article/10.10
Saluy, Ahmad Badawi., Mulyana, Bambang. (2018)” The Financial Performance Before and After The Implementation of Enterprise Resources Planning SAP System (Case Study at Pharmaceutical Companies Listed on BEI” The 3th International Conference on Management, Economics, and Business (ICMEB) Vol.3, Page,184.
Ali, Basel J. A. Mohammad Salem Oudat, 2020. Financial Risk and the Financial Performance in listed Commercial and Investment Banks in Bahrain Bourse, International Journal of Innovation, Creativity and Change. Volume 13, Issue 12, 2020
Aliu, F., Pavelkova, D., & Dehning, B. (2017). Portfolio risk-return analysis: The case of the automotive industry in the Czech Republic. Journal of International Studies, 10(4), 72-83
Amran, Azlan., A. M. Rosli Bin, B. C. H. Modh Hassan. 2009. Risk Reporting: An Exploratory Study on Risk Management Disclosure in Malaysia Annual Reports. Managerial Auditing Journal, Vol. 24, No. 1, Page 39-57
Amri, Abrar dan Yuci Cindia Oviza, Analisis Risiko Dan Pengembalian Hasil Terhadap Pembiayaan Mudarabah Pada Bank Pembiayaan Rakyat Syariah (BPRS), AKBIS Volume 4 Nomor 2 Tahun 2020
Anisa, Windi Gessy. 2012. Analisis Faktor yang Mempengaruhi Pengungkapan Manajemen Risiko (Studi Empiris pada Laporan Tahunan PerusahaanPerusahaan Non-Keuangan yang Terdaftar di BEI Tahun 2010). Tesis. Semarang : Fakultas Ekonomika dan Bisnis.
Universitas Diponegoro
Atiningsih, Suci dan Ana Nur Royham, 2017. Pengaruh Indikator Penilaian Kesehatan Bank Dengan Metode Rgec Dan Asset Quality Terhadap Harga Saham Perbankan yang Listing Di BEI Periode 2012-2016, Fokus Ekonomi Vol. 12 No.2 Desember 2017 : 24 - 46
Azad,Maryam Akbari Moghadam and Hossein Hasan Asl Behbahani, 2014. Studying the effect of risk management on stock returns of companies listed in Tehran Stock Exchange, European Online Journal of Natural and Social Sciences 2014; vol.3, No.1, pp. 28-34
Babi, Mehri Akhavi, 2015. The effects of financial risks on the relationship between earnings and stock returns, International Journal of Organizational Leadership 4(2015) 154-169
Bambang Mulyana., Ahmad Badawi Saluy., (2018)”Dividend Behavior and Implications on Stock Return Issuer in Indonesia During 2012-2015 Priode” Scholar Bulletin. middle east publishers, dubai united arab emirates.Vol.4, issu,12.
Buana, Gresna dan Mulyo Haryanto, 2016. Pengaruh Risiko Pasar , Nilai Tukar , Suku Bunga Dan Volume Perdagangan Terhadap Return Saham (Studi kasus pada perusahaan yang terdaftar dalam indeks LQ45), Diponegoro Journal Of Management Volume 5 Nomor 2, Tahun 2016, Halaman 1-14
Chatarine, Alvita, Luh Putu Wiagustini, Luh Gede Sri Artini, 2016. Pengaruh Risiko Kredit Dan Risiko Nilai Tukar Terhadap Profitabilitas Dan Return Saham Perbankan Di BEI, E-Jurnal Ekonomi dan Bisnis Universitas Udayana 5.11 (2016): 3683-3712
Chiang, Thomas C. and Yuanqing Zhang, 2018. An Empirical Investigation of Risk-Return Relations in Chinese Equity Markets: Evidence from Aggregate and Sectoral Data, Int. J. Financial Stud. 2018, 6, 35
Ekinci, Aykut, 2016. The Effect of Credit and Market Risk on Bank Performance: Evidence from Turkey, International Journal of Economics and Financial Issues, 2016, 6(2), 427-434
Fadilah, Adia Nur dan Jalaludin,2019. Manajemen Risiko Investasi Pada Perbankan Syariah, Eksisbank Vol. 3 No. 1 Juni 2019
Fengju, Xu Rasool Yari Fard, Somayeh Yari Fard, Shima Ehsan Maleki, 2013. The relationship between risk and return and banks income structure. European Online Journal of Natural and Social Sciences 2013 vol.2, No. 3(s), pp. 124-129
Feizal, D. A., Sudjono, S., & Saluy, A. B. (2021). THE EFFECT OF PROFITABILITY, LEVERAGE AND LIQUIDITY ON DIVIDEND POLICIES FOR CONSTRUCTION ISSUERS IN 2014-2019. Dinasti International Journal of Economics, Finance & Accounting, 2(2), 131-144
Haryono, Slamet. 2005. Struktur Kepemilikan dalam Bingkai Teori Keagenan. Jurnal Akuntansi dan Bisnis. Vol. 5 No. 1. Februari 2005. Pp. 63-71
Hasan, Kamil, Anton, Mustafa, Adli Baten, Azizul. (2012). Relationship between Risk and Expected Returns: Evidence from the Dhaka Stock Exchange. Procedia Economics and Finance. 2. 1–8.
Hasnawati & Nugroho, Dion. (2014). Analisis pengaruh manajemen resiko terhadap perubahan harga saham perdana pada industri perbankan di bursa efek indonesia Jurnal Informasi Perpajakan Akuntansi Dan Keuangan Publik 9(1):51
Hendratni,Tyahya Whisnu dan Dewi Retnosari, 2020. Penerapan Manajemen Resiko Terhadap Nilai Perusahaan, Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Vol. 5, No 3, Oktober 2020: 409 - 418
Juwenda, I Kate Galih Mitra. 2014. Analisis Penerapan Peraturan Bank Indonesia No. 13/1/PBI/2011 Terhadap Nilai Perusahaan Perbankan. Fakultas Ekonomi Universitas Mataram
Khan, Muhammad Nisar, Arshad Alam, Syed Arshad Ali Shah, Muhammad Ilyas, Mohammad Daud Ali, 2018. Credit Risk, Liquidity Risk and Stock Return, (Evidence from Pakistan Stock Exchange), J. Appl. Environ. Biol. Sci., 8(4)95-102, 2018
Kandel, Laxman Raj, 2018. Risk and Return Analysis of Commercial Banks of Nepal (with reference to NABIL and NIBL), Pravaha Journal-2018: 109-119
Lubis, Arfan Ikhsan. 2010. Akuntansi Keperilakuan. Edisi 2. Jakarta: Salemba Empat
Kristiono. 2014. “Pengaruh Struktur Kepemilikan, Struktur Modal Dan Ukuran Perusahaan Terhadap Risk Management Disclosure Pada Perusahaan 24 Perbankan yang Terdaftar di Bursa Efek Indonesia
Mardiana, M. (2018). PENGARUH MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN (STUDY PADA PERBANKAN SYARIAH YANG TERDAFTAR DI BEI). IQTISHODUNA, 14(2), 151-166
Mortezaee, Mojtaba and Davoud Sanji, Financial Risk Management- A Comparative Study Between Iranian Banks, GRANTHAALAYAH Vol.4 (Iss.12): December, 2016
Mulyana, Bambang., at al., (2021)” Determinant of Devidend Policy and Its Implications on Company Value (Study on Construction and Building Issuer Year 2014-2019” Scholars Bulletin.Vol.7, Issu.4, 104-117.
Mwaurah , Isaac, Willy Muturi , Anthony Waititu, 2017. The Influence of Financial Risk on Stock Returns, International Journal of Scientific and Research Publications, Volume 7, Issue 5, May 2017
Nurfauziah & Sri Mulyati, 2021. Pengaruh Penerapan Manajemen Risiko Terhadap Return Saham Perbankan Berdasarkan Kelompok Buku Bank, Jurnal Ilmiah Fakultas Ekonomi Universitas Flores VOL. 11 NO. 1 Edisi Maret Tahun 2021 P. 21 -35
Olamide, Olusanmi, Uwuigbe Uwalomwa and Uwuigbe Olubukunola Ranti, 2015. The Effect of Risk Management on Bank’s Financial Performance in Nigeria Journal of Accounting and Auditing: Research & Practice, Vol. 2015 (2015)
Permanasari, Anita dan Riris aishah Prasetyowati, 2021. Risiko Pasar Saham Perbankan Syariah dengan Metode Standar Deviasi Markowitz dan Value At Risk (Var), Jurnal Manajemen (Edisi Elektronik) Volume 12, Issue 01, February, 01, 2021, Pages. 113-125
Putri, N. W. K. A. dan N. K. L. A. Merkusiwati. 2014. Pengaruh Mekanisme Corporate Governance, Likuiditas, Leverage, dan Ukuran Perusahaan Pada Financial Distress. EJurnal Akuntansi Universitas Udayana
Pramudena, Sri Marti., at al., (March 10, 2021). Social Science Research Network 1 Apr 2021 Available at SSRN: https://ssrn.com/abstract=3801631 or http://dx.doi.org/10.2139/ssrn.3801631
Rao, Meda Srinivasa, Venkateswararao.Podile, Durgaprasad Navvula, Risk And Return Analysis Of Selected Nifty Banking Stocks, European Journal of Molecular & Clinical Medicine Volume 7, Issue 4, 2020
Rasyid, Tirta Maulana, Riska Yustisiana, dan Oki Annas F. 2019. Analisis Pengaruh Implementasi Manajemen Risiko Terhadap Kinerja Keuangan Pada Sektor Perbankan Yang Listing Di Bursa Efek Indonesia (BEI) Periode 2011-2017, Journal of Business Finance & Accounting · February 2019
Ruwita, Cahya. 2012. Analisis Pengaruh Karakteristik Perusahaan dan Corporate Governance Terhadap Pengungkapan Risiko Perusahaan (Studi Empiris pada Perusahaan-perusahaan Manufaktur yang Terdaftar di Bursa Efek Indonesia). Tesis Semarang: FEB Und
Rachman, Rendra Rahadian., Sudjono., et al.,(2020).” The Effect of Macro Economy and Financial Performance on Stock Price with Earning Per Share as The Intervening Variable (A Study on Retail Trading Company in IDX in 2011-2018” Dinasti International Journal of Ecanomics, Finance & Accountin,Vol.1, issu.2, Page. 275-290.
Rivendra, Uki., Sudjono, Sudjono., at al., (2021)” Financial Distress Prediction: Case Study Plantation Companies Listed on Indonesia Stock Exchange” Proceedings of the 1st MICOSS Mercu Buana International Conference on Social Sciences, September 28-29, 2020, Jakarta, Indonesia-http://dx.doi.org/10.4108/eai.28-9-2020.Vol.9. Series CCER .2307365.ISBN 1234-5678. ISSN 1234-56
Saluy, A. B., Djamil, M., Setiawan, M. S., & Kemalasari, N. Analysis of The Influence of Total Quality Management (TQM) Principles on Service Quality.
Saluy, A. B., PRAWIRA, B., & Buntaran, D. F. A. A. (2019). The Influence of Leadership, Working Culture, and Working Environment for the Ministry of Administrative Reform and Bureaucracy. International Journal of Business and Economic Affairs, 4(5), 224-234.
Sasongko, Arief Sugiarto dan Cicilia Erna Susilawati, 2017. Pengaruh Risk Profile, Earnings, Dan Capital Terhadap Nilai Perusahaan Melalui Good Corporate Govermance (Studi pada Perusahaan Perbankan di Indonesia), Jurnal Ilmiah Mahasiswa Manajemen (JUMMA) Vol 6 no 2 Desember 2017
Saputra, Yulius Yuwono., Sudjono, Sudjono., at al., (2021)” Influence of Political Events, Inflation, and the Exchange Rate on Credit Growth of Commercial Banks” Proceedings of the 1st MICOSS Mercu Buana International Conference on Social Sciences, September 28-29, 2020, Jakarta, Indonesia.Vol.9. Series CCER. .2307365.ISBN 1234-5678. ISSN 1234-56
Sensarma, Rudra dan M. Jayadev, 2009. Are bank stocks sensitive to risk management?, Journal of Risk Finance, Emerald Group Publishing, vol. 10(1), pages 7-22, January
Sinha, Ratna, 2013. An Analysis Of Risk And Return In Equity Investment In Banking Sector, International Journal of Current Research Vol. 5, Issue, 08, pp.2336-2338, August, 2013
Sri Marti Pramudena., Ahmad Badawi Saluy., Abdul Muhith., The Effect of Work Motivation and Compensation on the Non-State Employees’ Work Performance with Work Satisfaction as Intervening Variables at the National Land Agency, the Regency of Bekasi. Vol.4, No.2, 2021 page,253-264
Steelyana, Evi dan Dianto Kurnia Parulian Sinaga, 2012. Rasio Camel Dan Return Saham Perbankan (Analisa Tingkat Rasio Camel Terhadap Nilai Return Saham Perbankan, Studi Kasus Di BEI 2007-2011), Jurnal Riset Manajemen Vol 1, No 1 (2012)
Suzulia, M. T., at al. (2020). THE EFFECT OF CAPITAL STRUCTURE, COMPANY GROWTH, AND INFLATION ON FIRM VALUE WITH PROFITABILITY AS INTERVENING VARIABLE (STUDY ON MANUFACTURING COMPANIES LISTED ON BEI PERIOD 2014-2018). Dinasti International Journal of Economics, Finance & Accounting, 1(1), 95-109.
Supriyadi, Agung, dan Christina Tri Setyorini 2020. Pengaruh Pengungkapan Manajemen Risiko Terhadap Nilai Perusahaan Melalui Kinerja Keuangan Di Industri Perbankan Indonesia, Owner: Riset dan Jurnal Akuntansi Volume 4 Nomor 2, Agustus 2020
Mosey, Angela Christin, Parengkuan Tommy dan Victoria Untu, 2018. Pengaruh Risiko Pasar Dan Risiko Kredit Terhadap Profitabilitas Pada Bank Umum Bumn Yang Terdaftar Di BEI Periode 2012-2016, Jurnal EMBA Vol.6 No.3 Juli 2018, Hal. 1338 – 1347
Zulfikar, Agustina,.2012. Analisi Faktor-faktor yang Mempengaruhi Volume Pembiayaan yang Berbasis Bagi Hasil pada Bank Umum Syariah di Indonesia. Seminar Nasional dan Call of Paper Program Study Akuntansi FEB UMS, 13
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