{"id":"https://openalex.org/W7203773543","doi":"https://doi.org/10.22034/nasmea.2026.239317","title":"Credit distribution, profitability, and market structure: Evidence from Indonesia\u2019s banking industry","display_name":"Credit distribution, profitability, and market structure: Evidence from Indonesia\u2019s banking industry","publication_year":2026,"publication_date":"2026-05-01","ids":{"openalex":"https://openalex.org/W7203773543","doi":"https://doi.org/10.22034/nasmea.2026.239317"},"language":"en","primary_location":{"id":"pmh:oai:doaj.org/article:9da19fbccbd9495088c7962a9e0dceac","doi":"https://doi.org/10.22034/nasmea.2026.239317","is_oa":false,"landing_page_url":"https://doaj.org/article/9da19fbccbd9495088c7962a9e0dceac","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"New Applied Studies in Management, Economics & Accounting, Vol 9, Iss 2, Pp 158-174 (2026)","raw_type":"article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["doaj"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5023208627","display_name":"Mohammad Sofyan","orcid":"https://orcid.org/0000-0002-2216-9371","observed_orcids":["https://orcid.org/0000-0002-2216-9371"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Mohammad Sofyan","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5108681482","display_name":"Jaja Suteja","orcid":"https://orcid.org/0000-0003-0112-3152","observed_orcids":["https://orcid.org/0000-0003-0112-3152"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Jaja Suteja","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5055806586","display_name":"Mokhamad Anwar","orcid":"https://orcid.org/0000-0003-2641-7667","observed_orcids":["https://orcid.org/0000-0003-2641-7667"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Mokhamad Anwar","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":3.6278,"has_fulltext":false,"cited_by_count":1,"citation_normalized_percentile":{"value":0.87114387,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":91,"max":95},"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9872999787330627,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9872999787330627,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14183","display_name":"Banking Sector Performance and Management","score":0.011800000444054604,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.00019999999494757503,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-distribution","display_name":"credit distribution","score":0.9160000085830688},{"id":"https://openalex.org/keywords/bank-profitability","display_name":"bank profitability","score":0.9810000061988831},{"id":"https://openalex.org/keywords/market-structure","display_name":"market structure","score":0.7519999742507935},{"id":"https://openalex.org/keywords/commercial-banks","display_name":"commercial banks","score":0.6840000152587891},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.5070000290870667},{"id":"https://openalex.org/keywords/structure-conduct-performance-framework","display_name":"structure-conduct-performance framework","score":0.8320000171661377},{"id":"https://openalex.org/keywords/capital-adequacy","display_name":"capital adequacy","score":0.7919999957084656},{"id":"https://openalex.org/keywords/liquidity","display_name":"liquidity","score":0.656000018119812},{"id":"https://openalex.org/keywords/operational-efficiency","display_name":"operational efficiency","score":0.8510000109672546},{"id":"https://openalex.org/keywords/asset-quality","display_name":"asset quality","score":0.9900000095367432},{"id":"https://openalex.org/keywords/non-performing-loans","display_name":"non-performing loans","score":0.8659999966621399},{"id":"https://openalex.org/keywords/bank-size","display_name":"bank size","score":0.75},{"id":"https://openalex.org/keywords/return-on-assets","display_name":"return on assets","score":0.7599999904632568},{"id":"https://openalex.org/keywords/bi-rate","display_name":"BI rate","score":0.6169999837875366},{"id":"https://openalex.org/keywords/inflation","display_name":"inflation","score":0.5830000042915344},{"id":"https://openalex.org/keywords/credit-growth","display_name":"credit growth","score":0.5170000195503235},{"id":"https://openalex.org/keywords/risk-management","display_name":"risk management","score":0.699999988079071}],"concepts":[{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.579800009727478},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.5530999898910522},{"id":"https://openalex.org/C129361004","wikidata":"https://www.wikidata.org/wiki/Q2470236","display_name":"Profitability index","level":2,"score":0.5523999929428101},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.5507000088691711},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.5303999781608582},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.46160000562667847},{"id":"https://openalex.org/C175025494","wikidata":"https://www.wikidata.org/wiki/Q179179","display_name":"Interest rate","level":2,"score":0.44909998774528503},{"id":"https://openalex.org/C2993078247","wikidata":"https://www.wikidata.org/wiki/Q182076","display_name":"Bank credit","level":2,"score":0.44609999656677246},{"id":"https://openalex.org/C180879305","wikidata":"https://www.wikidata.org/wiki/Q590998","display_name":"Credit crunch","level":2,"score":0.44600000977516174},{"id":"https://openalex.org/C91602232","wikidata":"https://www.wikidata.org/wiki/Q756115","display_name":"Volatility (finance)","level":2,"score":0.3610000014305115},{"id":"https://openalex.org/C129489539","wikidata":"https://www.wikidata.org/wiki/Q3383101","display_name":"Net interest income","level":3,"score":0.3610000014305115},{"id":"https://openalex.org/C16969640","wikidata":"https://www.wikidata.org/wiki/Q1070805","display_name":"Capital adequacy ratio","level":3,"score":0.357699990272522},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.34279999136924744},{"id":"https://openalex.org/C31348098","wikidata":"https://www.wikidata.org/wiki/Q3423719","display_name":"Credit enhancement","level":4,"score":0.33559998869895935},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.322299987077713},{"id":"https://openalex.org/C89997419","wikidata":"https://www.wikidata.org/wiki/Q2828882","display_name":"Credit valuation adjustment","level":4,"score":0.3208000063896179},{"id":"https://openalex.org/C2864544","wikidata":"https://www.wikidata.org/wiki/Q2914988","display_name":"Capital requirement","level":3,"score":0.3156999945640564},{"id":"https://openalex.org/C200941418","wikidata":"https://www.wikidata.org/wiki/Q273508","display_name":"Inflation (cosmology)","level":2,"score":0.3127000033855438},{"id":"https://openalex.org/C110121322","wikidata":"https://www.wikidata.org/wiki/Q865811","display_name":"Distribution (mathematics)","level":2,"score":0.3050000071525574},{"id":"https://openalex.org/C153083717","wikidata":"https://www.wikidata.org/wiki/Q6535263","display_name":"Leverage (statistics)","level":2,"score":0.303600013256073},{"id":"https://openalex.org/C2779338949","wikidata":"https://www.wikidata.org/wiki/Q4808812","display_name":"Asset quality","level":4,"score":0.3001999855041504},{"id":"https://openalex.org/C76178495","wikidata":"https://www.wikidata.org/wiki/Q4808784","display_name":"Asset (computer security)","level":2,"score":0.2976999878883362},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.2888999879360199},{"id":"https://openalex.org/C2986226071","wikidata":"https://www.wikidata.org/wiki/Q22687","display_name":"Banking industry","level":2,"score":0.2838999927043915},{"id":"https://openalex.org/C126285488","wikidata":"https://www.wikidata.org/wiki/Q178476","display_name":"Monetary policy","level":2,"score":0.28189998865127563},{"id":"https://openalex.org/C180075932","wikidata":"https://www.wikidata.org/wiki/Q5333342","display_name":"Econometric model","level":2,"score":0.2700999975204468},{"id":"https://openalex.org/C197142791","wikidata":"https://www.wikidata.org/wiki/Q540626","display_name":"Bond market","level":2,"score":0.2700999975204468},{"id":"https://openalex.org/C156152238","wikidata":"https://www.wikidata.org/wiki/Q1548025","display_name":"Retail banking","level":2,"score":0.26440000534057617},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.26409998536109924}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:doaj.org/article:9da19fbccbd9495088c7962a9e0dceac","doi":"https://doi.org/10.22034/nasmea.2026.239317","is_oa":false,"landing_page_url":"https://doaj.org/article/9da19fbccbd9495088c7962a9e0dceac","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"New Applied Studies in Management, Economics & Accounting, Vol 9, Iss 2, Pp 158-174 (2026)","raw_type":"article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.7257999777793884,"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7168159562","https://openalex.org/W7171875228","https://openalex.org/W4411117267","https://openalex.org/W2913566707","https://openalex.org/W4410899048","https://openalex.org/W7123363820","https://openalex.org/W7160926197","https://openalex.org/W7205002838","https://openalex.org/W7167045299","https://openalex.org/W7065166450"],"abstract_inverted_index":{"This":[0],"study":[1],"examines":[2],"the":[3,22,84,168],"determinants":[4],"of":[5,164],"credit":[6,47,63,88,94,113,153,171],"distribution":[7,64,172],"and":[8,29,43,50,53,78,83,127,173],"their":[9],"profitability":[10,116],"implications":[11],"in":[12],"Indonesia\u2019s":[13],"commercial":[14],"banking":[15],"sector":[16],"from":[17],"2010":[18],"to":[19,45,98],"2024":[20],"within":[21],"structure-conduct-performance":[23],"(SCP)":[24],"framework.":[25],"Using":[26],"annual":[27],"bank-level":[28],"macroeconomic":[30],"data,":[31],"it":[32],"applies":[33],"an":[34],"integrated":[35],"econometric":[36],"approach":[37],"combining":[38],"ARCH/GARCH":[39,59],"models,":[40],"ARDL":[41,102],"analysis,":[42],"MRA":[44],"assess":[46],"volatility,":[48],"long-run":[49],"short-run":[51],"dynamics,":[52],"institutional":[54],"differences":[55],"across":[56],"banks.":[57],"The":[58,101],"results":[60],"show":[61],"that":[62,93,105,144],"is":[65,95,110,120],"significantly":[66],"affected":[67],"by":[68,108],"structural":[69],"bank":[70,135,165],"factors,":[71],"especially":[72],"capital":[73],"adequacy,":[74],"liquidity,":[75],"operational":[76],"efficiency,":[77],"asset":[79],"quality,":[80],"while":[81,112],"inflation":[82],"BI-Rate":[85],"also":[86,131],"shape":[87],"behavior.":[89],"Volatility":[90],"effects":[91],"indicate":[92],"highly":[96],"sensitive":[97],"economic":[99],"shocks.":[100],"findings":[103],"reveal":[104],"profitability,":[106,151,158],"measured":[107],"ROA,":[109],"persistent,":[111],"expansion":[114,154],"reduces":[115],"when":[117],"risk":[118],"management":[119],"weak.":[121],"Higher":[122],"non-performing":[123],"loans":[124],"(NPL)":[125],"ratios":[126],"policy":[128],"interest":[129],"rates":[130],"suppress":[132],"performance,":[133],"whereas":[134],"size":[136,166],"has":[137],"a":[138,160],"positive":[139],"effect.":[140],"Moderation":[141],"analysis":[142],"reveals":[143],"although":[145],"larger":[146],"banks":[147],"exhibit":[148],"higher":[149],"baseline":[150],"additional":[152],"generates":[155],"lower":[156],"marginal":[157],"indicating":[159],"negative":[161],"moderating":[162],"effect":[163],"on":[167],"relationship":[169],"between":[170],"profitability.":[174]},"counts_by_year":[{"year":2026,"cited_by_count":1}],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2026-08-20T00:00:00"}