ISSUES OF MANAGING RISKS IN INDONESIAN BANKS DURING COVID-19 PANDEMIC CRISIS
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Keywords:
Banking, Risk Management, Indonesia, Covid-19
Abstract
The Covid-19 pandemic has had a substantial negative impact on the banking sector in Indonesia. The purpose of this study is to survey various initiatives and measures by the Indonesian banks and the financial authority organization to alleviate and anticipate this impact. This research employs simple qualitative analysis, which aims to identify issues pertinent to risk management activities by the Indonesian Financial Authority and the banks in preparing for the worst scenario. Data used in this study are news articles taken from Republika Newspaper website. The result shows that the Indonesian Authority and its banks take various actions and plans, which are crucial in managing the banks to survive the pandemic crisis. The pandemic also has brought changes to the landscape of the Indonesian financial industry in a better way to manage risks to prepare for a similar crisis in the future.
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Mohamed, D. K. F. F. (2021). Towards a More Stable Banking Financial Position COVID-19 Impacts and IFRS 9 Post-Model Practices "Management Overlays." International Journal of Accounting and Finance Studies, 4(1), 69. http://www.scholink.org/ojs/index.php/ijafs/article/view/3980
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Ambarita, L. M., & Mardayanti, I. (2020). The implementation of credit relaxation through credits restructuring for debtors in terms of credit payments delaying obligations in the era of pandemic 19 in Indonesia. Research, Society and Development, 9(10), 1–10. https://rsdjournal.org/index.php/rsd/article/view/8641/7764
Berger, A. N., & Demirgüç-Kunt, A. (2021). Banking research in the time of COVID-19. Journal of Financial Stability, 57. https://openknowledge.worldbank.org/bitstream/handle/10986/36309/Banking-Research-in-the-Time-of-COVID-19.pdf?sequence=1&isAllowed=y
Bodellini, M., & Lintner, P. (2020). The impact of the COVID-19 pandemic on credit institutions and the importance of effective bank crisis management regimes. Law and Economics Yearly Review, 9, 182–218. https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID3675349_code2312301.pdf?abstractid=3675349&mirid=1
Disemadi, H. S. (2021). Stimulus Kredit Perbankan: Kebijakan Penanggulangan Risiko Kredit Akibat Coronavirus Disease 2019 (COVID-19) di Indonesia. Jurnal Magister Hukum Udayana (Udayana Master Law Journal), 10(3), 563–577. https://pesquisa.bvsalud.org/global-literature-on-novel-coronavirus-2019-ncov/resource/pt/covidwho-1646918
Dovhan, Z. (2020). Bank challenges in the context of the COVID-19 pandemic. Innovative Economy, 7–8, 119–124. http://inneco.org/index.php/innecoen/article/view/705
Falzon, J., & Vella, J. (2021). European banks and risk management: Did the 2008 financial crisis have any impact? Journal of Risk Management in Financial Institutions, 14(1), 84–95. https://hstalks.com/article/6042/european-banks-and-risk-management-did-the-2008-fi/
Fauziah, H. N., Fakhriyah, A. N., & Abdurrohman, A. (2020). Analisis Risiko Operasional Bank Syariah Pada Masa Pandemi Covid-19. Al-Intaj Jurnal Ekonomi Dan Perbankan Syariah, 6(2), 38–45. https://ejournal.iainbengkulu.ac.id/index.php/Al-Intaj/article/view/3380
Ha, T. T. H., Huy, D. T. N., & Anh, P. T. (2021). Enhancing Corporate Management - A Case of Saigon Hanoi Bank in Vietnam Under Impacts of Macro Indicators. Journal of Contemporary Issues in Business and Government, 27(02), 781–789. https://www.semanticscholar.org/paper/Enhancing-Corporate-Management-A-Case-of-Saigon-in-Ha-Huy/c216d204c2ceeb57de72659931ab8c2dc0500908
Hardiyanti, S. E., & Aziz, L. H. (2021). The case of COVID-19 impact on the level of non-performing loans of conventional commercial banks in Indonesia. Banks and Bank Systems, 16(1), 62–68. https://www.businessperspectives.org/index.php/journals?controller=pdfview&task=download&item_id=14718
Hidayat, T., Masyita, D., Nidar, S. R., Febrian, E., & Ahmad, F. (2021). The effect of COVID-19 on credit and capital risk of state-owned bank in Indonesia: A system dynamics model. WSEAS Transactions on Business and Economics, 18, 1121–1136. https://wseas.com/journals/bae/2021/c165107-1397.pdf
Hundal, S., & Zinakova, T. (2021). Financial technology in the Finnish banking sector and its impact on stakeholders in the wake of COVID-19. Risk Governance and Control: Financial Markets and Institutions, 11(1), 8–19. https://virtusinterpress.org/Financial-technology-in-the-Finnish-banking-sector-and-its-impact-on-stakeholders-in-the-wake-of-COVID-19.html
Inegbedion, H., Vincent, B. D., & Obadiaru, E. (2020). Risk management and the financial performance of banks in Nigeria. International Journal of Financial Research, 11(5). https://www.sciedupress.com/journal/index.php/ijfr/article/view/17096
Kassarjian, H. H. (1977). Content Analysis in Consumer Research. Journal of Consumer Research, 4(1). https://academic.oup.com/jcr/article-abstract/4/1/8/1829368
Kolbe, R. H., & Burnett, M. S. (1991). Content-Analysis Research: An Examination of Applications with Directives for Improving Research Reliability and Objectivity. Journal of Consumer Research, 18(2). https://academic.oup.com/jcr/article-abstract/18/2/243/1786851
Kovalenko, V., Sheludko, S., Radova, N., Murshudli, F., & Gonchar, K. (2021). International Standards for Bank Capital Regulation. Financial and Credit Activity: Problems of Theory and Practice, 1(36), 35–45. https://www.researchgate.net/publication/350660572_INTERNATIONAL_STANDARDS_FOR_BANK_CAPITAL_REGULATION
Kovalova, O. M. (2021). Identification of Qualifying Factors of Influence in the Context of Financial Stability Management of a Commercial Bank. Business Inform, 7(1), 212–221. https://www.researchgate.net/publication/331068440_FORMING_THE_FINANCIAL_STABILITY_OF_COMMERCIAL_BANK
Langley, P., & Morris, J. H. (2020). Central banks: Climate governors of last resort? Environment and Planning A, 52(8), 1471–1479. https://journals.sagepub.com/doi/10.1177/0308518X20951809
Liu, S., Xu, Q., & Jiang, C. (2021). Systemic risk of China's commercial banks during financial turmoils in 2010-2020: A MIDAS-QR based CoVaR approach. Applied Economics Letters, 28(18), 1600–1609. https://www.tandfonline.com/doi/abs/10.1080/13504851.2020.1839629
Mehrotra, R., Saluja, S., & Maheshwari, K. (2020). Rising NPAs and Sinking Indian Banking Sector. Vinimaya, 41(3), 36–58. https://pesquisa.bvsalud.org/global-literature-on-novel-coronavirus-2019-ncov/resource/en/covidwho-976780
Miles, M. B., & Huberman, A. M. (1994). Qualitative data analysis (2nd ed.). Sage.
Mohamed, D. K. F. F. (2021). Towards a More Stable Banking Financial Position COVID-19 Impacts and IFRS 9 Post-Model Practices "Management Overlays." International Journal of Accounting and Finance Studies, 4(1), 69. http://www.scholink.org/ojs/index.php/ijafs/article/view/3980
Nguyen, P. H., Tsai, J. F., Hu, Y. C., & Ajay Kumar, G. V. (2022). A Hybrid Method of MCDM for Evaluating Financial Performance of Vietnamese Commercial Banks Under COVID-19 Impacts. In Studies in Systems, Decision and Control (Vol. 382, pp. 23–45). Springer Science and Business Media Deutschland GmbH. https://link.springer.com/chapter/10.1007/978-3-030-79610-5_2
Niyazbekova, S. U. (2020). Foreign banks management in the context of a pandemic: problems and solutions. E-Management, 3(3), 4–12. https://e-management.guu.ru/jour/article/view/104?locale=en_US
Radović, M., Zelenović, V., & Vitomir, J. (2021). Managing Banking Industry Changes under the Covid-19 Pandemics. Novi Ekonomist, 14(27), 12–17. http://www.noviekonomist.info/ojs/article/view/71.html
Rahmi, Y., & Sumirat, E. (2021). A study of the impact of alma to profitability during the covid-19 pandemic. International Journal of Business Economics and Law, 24(3), 54–65. https://www.ijbel.com/wp-content/uploads/2021/04/IJBEL24-036.pdf
Republika. (2021a, April 9). OJK Minta Industri Jasa Keuangan Perluas Peran Auditor. Republika. https://www.republika.co.id/berita/qrae4k383/ojk-minta-industri-jasa-keuangan-perluas-peran-auditor
Republika. (2021b, April 18). Masa Pandemi, OJK terbitkan 10 POJK dan 5 SEOJK Perbankan. Republika. https://www.republika.co.id/berita/qrqwdv423/masa-pandemi-ojk-terbitkan-10-pojk-dan-5-seojk-perbankan
Republika. (2021c, July 1). BI Sambut Implementasi Transaksi FX Spot 1 USD Rupiah. Republika. https://www.republika.co.id/berita/qvkrs1349/bi-sambut-implementasi-transaksi-fx-spot-1-usd-rupiah
Republika. (2021d, September 7). Aturan Ekonomi Hijau OJK Lahirkan Miliaran Dolar Green Bond. Republika. https://www.republika.co.id/berita/qz1pyx349/aturan-ekonomi-hijau-ojk-lahirkan-miliaran-dolar-green-bond
Republika. (2021e, September 7). BSI Perkuat Pencadangan. Republika. https://www.republika.co.id/berita/qz1l7n6725000/bsi-perkuat-pencadangan
Republika. (2021f, October 19). BI Perpanjang Kebijakan Uang Muka KPR dan KKB Nol Persen. Republika. https://www.republika.co.id/berita/r17ycr370/bi-perpanjang-kebijakan-uang-muka-kpr-dan-kkb-nol-persen
Republika. (2021g, November 11). Bank Digital Pacu Pertumbuhan Ekonomi Syariah. Republika. https://www.republika.co.id/berita/r2duw9383/bank-digital-pacu-pertumbuhan-ekonomi-syariah
Republika. (2021h, November 11). OJK Ungkap Sembilan Tantangan Transformasi Digital Perbankan. Republika. https://www.republika.co.id/berita/r2emo7423/ojk-ungkap-sembilan-tantangan-transformasi-digital-perbankan
Republika. (2021i, November 15). LK Buat Sistem Manajemen Fraud Berkurang 10 Persen. Republika. https://republika.co.id/berita/repjogja/lesehan/r2m1kk291/lk-buat-sistem-manajemen-fraud-berkurang-10-persen
Republika. (2021j, November 18). Optimisme dan Peringatan Investasi BPKH di Bank Muamalat. Republika. https://republika.co.id/berita/ekonomi/syariah-ekonomi/r2q1xi370/optimisme-dan-peringatan-investasi-bpkh-di-bank-muamalat
Savchina, O. V., Sidorina, E. A., Savchina, O. V., & Shcherbachenko, P. S. (2021). Financial Sustainability Assessment of the Largest Systemically Important Credit Institutions in the Context of the Global Instability. International Journal of Financial Research, 12(2), 10. https://www.researchgate.net/publication/348392113_Financial_Sustainability_Assessment_of_the_Largest_Systemically_Important_Credit_Institutions_in_the_Context_of_the_Global_Instability
Teresienė, D., Keliuotytė‐staniulėnienė, G., & Kanapickienė, R. (2021). Sustainable economic growth support through credit transmission channel and financial stability: In the context of the covid‐19 pandemic. Sustainability (Switzerland), 13(5), 1–37. https://www.mdpi.com/2071-1050/13/5/2692
Thijs, J., & Bobker, D. (2021). Managing bank risk through the crisis perspective from Malaysia. Journal of Risk Management in Financial Institutions, 14(1), 33–39. https://www.econbiz.de/Record/managing-bank-risk-through-the-crisis-perspective-from-malaysia-thijs-jeroen/10012504478
Tiwu, M. I. H. (2020). Pengaruh Pandemic Covi-19 terhadap NPL Bank Perkreditan Rakyat di Indonesia. Jurnal Akuntansi: Transparansi Dan Akuntabilitas, 8(2), 79–87. https://ejurnal.undana.ac.id/index.php/JAK/article/view/2869
Tullo, L. (2021). COVID-19 triggers great nonfinancial risk crisis: Nonfinancial risk management best practices in Canada. Journal of Risk Management in Financial Institutions, 14(1), 40–58. https://hstalks.com/article/6036/covid-19-triggers-great-nonfinancial-risk-crisis-n/
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Vladyka, Y., Kostiuk, V., & Okhrimenko, V. (2021). Management of the Bank's Investment Portfolio. Pryazovskyi Economic Herald, 25(2), 165–168. https://www.researchgate.net/publication/352378438_MANAGEMENT_OF_THE_BANK’S_INVESTMENT_PORTFOLIO
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Published
2021-12-30
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