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Helvina Sari

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Open access Sep 2026

What Drives Banking Risk? Evidence from People’s Credit Banks in an Emerging Economy

This study examines the determinants of banking risk in People’s Credit Banks (Bank Perkreditan Rakyat/BPR) in North Sumatra, Indonesia. The research aims to analyze the influence of macroeconomic variables on banking risk, proxied by total credit disbursement. The study uses panel data from 53 rural banks during 2015–...

Oktavera Rizki, Helvina Sari, Y. Yusrizal et al. · 0 citations

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