The Role of Economic Information and Asymmetry as Moderating Variables in Credit Risk and Credit Pricing Determination
Affiliation Details
- Muhammad Nur Madani: STMIK Widya Cipta Dharma
- M Arif Hernawan: Institut Transportasi dan Logistik TrisaktiEast Jakarta
- Enny Haryanti: STIE Indonesia Banking School
Abstract
This work aims to explore the roles of economic information and the information asymmetry in moderating relationship between credit risk (credit pricing determination) with comparative liability of banking area managers set themselves into making decisions themselves independent from this universe as if their own actions were not part of human or natural life at all events so long as they were only thinking about things from their perspective then there was no practical problem for them no end result would matter even less when we talk through it numerically through some parameter another language points like'0 in fact'. Credit risk is a major factor in monetary policy. In order to minimize their possible harm from defaults, banks generally raise interest rates. In an approach known as grounded theoretical analysis that again draws on the case of power and safety deposit treaties which must represent a singular subject upon which more than Leonard can gain information for his own account, external factors such as inflation or the imbalance in information between borrowing companies and lenders can indeed produce opposite results at different times. A quantitative approach is adopted in this study, using secondary data from 10 banking companies listed on the Indonesia Stock Exchange (IDX) over the period from 2018 to indicate three years following. The relationships between variables are analyzed Econometrics or financial time series analysis techniques mainly in overall study frame: panel regression model with a fixed effect approach was used; and moderation regression test is adopted to examine the impact of information asymmetry and inflation. Results show that credit risk has a significant impact on credit pricing. However, there is no significant difference at the 5% significance level in the interaction between credit risk and information asymmetry, as well as inflation on credit pricing. From these findings, it can be deduced that banks place greater emphasis on factors related to debtor risk in deciding interest rates compared with external elements. This article explores the reasons for interest rate policies and necessity of transparency it unprecedentedly raises Credit risk management into the realm of information transparency.
Author Biographies
Muhammad Nur Madani
STMIK Widya Cipta Dharma
Digital Business Study Program, STMIK Widya Cipta Dharma, Samarinda City, East Kalimantan Province, Indonesia.
M Arif Hernawan
Institut Transportasi dan Logistik TrisaktiEast Jakarta
Faculty of Management and Business, Institut Transportasi dan Logistik TrisaktiEast Jakarta, Special Capital Region of Jakarta, Indonesia.
Enny Haryanti
STIE Indonesia Banking School
Management Study Program, STIE Indonesia Banking School, South Jakarta, Special Capital Region of Jakarta, Indonesia.
Article Identifiers
- Article Title: The Role of Economic Information and Asymmetry as Moderating Variables in Credit Risk and Credit Pricing Determination
- DOI: 10.59431/ijer.v5i2.623
- Publication Date: 2025-10-10
- Journal: Indonesian Journal Economic Review (IJER)
- Volume: 5
- Issue: 2
- Pages: 293-302
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