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Does asset quality matter in relationship between bank capital on lending growth?

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The purpose of this research examines the effect of bank capital on lending growth with moderation of asset quality of banking sector listed in Indonesia Stock Exchange (IDX). | Does asset quality matter in relationship between bank capital on lending growth International Journal of Management IJM Volume 10 Issue 5 September-October 2019 pp. 38 47 Article ID IJM_10_05_004 Available online at http www.iaeme.com ijm issues.asp JType IJM amp VType 10 amp IType 5 Journal Impact Factor 2019 9.6780 Calculated by GISI www.jifactor.com ISSN Print 0976-6502 and ISSN Online 0976-6510 IAEME Publication DOES ASSET QUALITY MATTER IN RELATIONSHIP BETWEEN BANK CAPITAL ON LENDING GROWTH Ahmad Aziz Putra Pratama Master of Science in Management Department of Management Faculty of Economics and Business Airlangga University Jl. Airlangga No. 4-6 Surabaya 60286 Indonesia ABSTRACT Mostly loans are important source of income for banks and capital is used to absorb shocks during a bank s worst periods. Credit risk is a major concern for the banking industry as the ratio of bad loans increases. The purpose of this research examines the effect of bank capital on lending growth with moderation of asset quality of banking sector listed in Indonesia Stock Exchange IDX . This study used Fixed Effect Model. Data obtained from the company s financial report published in 2009-2018 period. Dependent variable in this research is lending growth proxied with Net Loan Growth. Independent variable used bank capital proxied with Capital Adequacy Ratio CAR . Moderating Variable in this research used asset quality proxied with Non Performing Loan NPL . In addition controlling variable in this study are liquidity level firm size and bank performance. The results showed that bank capital has a significant positive effect on lending growth while the bad asset quality mitigates the positive effect of bank capital on lending growth. This results are in line with policies that have been made by Otoritas Jasa Keuangan OJK about maintaning capital adequacy ratio and non performing loan. Keywords Lending Growth Net Loan Growth Bank Capital Asset Quality Lending Behavior Cite this .