Does capital adequacy ratio matter during the Covid-19 outbreak? Evidence on state-owned banks in Indonesia
Bibliographic record
Abstract
The Covid-19 epidemic has brought significant changes in the financial performance of the Indonesian banking sector. Weak economic indicators lead to a reduction in bank capital due to insufficient working capital loans. This study was conducted to find out changes in the capital adequacy ratio of state-owned banks in Indonesia during the Covid-19 pandemic. The data set is based on quarterly financial reports of state-owned banks for the 2020-2021 period. We prove that lending and NPL have an effect on CAR. In condition, there was a significant decrease in credit and a significant increase in non-performing loans starting in the third quarter of 2020 and increased slightly in the third quarter of 2021. Meanwhile, the capital adequacy ratio tends to be stable, because the government has strengthened bank capital. The study shows that state-owned banks can maintain CAR consistently and safely. This level of safe defense increases capital consistently in line with growth in lending while maintaining banking industry regulations.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.004 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.000 | 0.001 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.002 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".