Faktor – Faktor yang Mempengaruhi Penyaluran Kredit pada Bank Umum di Indonesia

Gayo, Absyirni Ari; Prihatni, Rida; Armeliza, Diah

doi:10.29103/jak.v10i1.6099

Cited by 2 publications

(1 citation statement)

References 3 publications

(4 reference statements)

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“…Thus, it affects the quality of failed credit risk as measured in Net Performing Financing (NPF). The quality of financing from deposits strengthens the bank's intermediation function to carry out risks to NPF which have an influence on credit failure in customers (Filial Piety, 2017;Gayo et al, 2022) .…”

Section: Hypotheses Developmentmentioning

confidence: 99%

Efficiency of Commercial Banks in Indonesia After the Covid-19 Pandemic

Andriansyah,

Julia

2023

J. Keuang. dan Perbank.

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The impact of the Covid-19 pandemic has caused the condition of the banking sector, both conventional and sharia, in Indonesia to be unstable due to the policy of limiting the Covid-19 pandemic period which affects the efficiency of bank performance on credit and financing activities disbursed as well as bank operations. This research aims to measure the level of efficiency of Conventional Commercial Banks (CCB) and Sharia Commercial Banks (SCB) in Indonesia after the Covid-19 pandemic and to find out whether or not there is a difference in efficiency between CCB and SCB after the Covid-19 pandemic. The method used in this study is a quantitative method with a Data Envelopment Analysis (DEA) analysis model and a different test with the inputs used, namely capital, assets, deposits, and operational costs, then the output consists of credit and financing realization, as well as operating income. The results showed that CCB achieved an average efficiency level of 98.8 percent and SCB achieved an average efficiency level of 98.6 percent, which means that both banks have reached high efficiency levels after the Covid-19 pandemic. Then CCB and SCB experienced fluctuations that tended to be the same, so that the results of different tests showed a probability value of 0.9138 and greater than 0.05, then H0 was accepted which means that there is significantly no difference between the efficiency of CCB and SCB after the Covid-19 pandemic. DOI: 10.26905/jkdp.v27i4.9776

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Section: Hypotheses Developmentmentioning

confidence: 99%

Efficiency of Commercial Banks in Indonesia After the Covid-19 Pandemic

Andriansyah,

Julia

2023

J. Keuang. dan Perbank.

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Determinants Of Total Loans Disbursed By Rural Banks In Indonesia

Gading,

Anindyntha

2024

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The financial sector can influence the process of economic development, one of which is through banking by carrying out its intermediary function. One of the banks that have the function of channelling credit and collecting public funds is the Rural Bank. By using the VECM (Vector Error Correction Model) approach model, this study was conducted to determine the long-term and short-term effects of external factors such as Inflation and BI rate and also on internal factors such as the amount of deposits and non-performing loan rates on the amount of credit in the period 2008 - 2022. The results showed both in the long and short term that the internal factors of deposits and non-performing loans had a significant and negative effect on the amount of credit disbursed. External factors such as Inflation and BI rates do not affect the loan disbursed.

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Faktor – Faktor yang Mempengaruhi Penyaluran Kredit pada Bank Umum di Indonesia

Cited by 2 publications

References 3 publications

Efficiency of Commercial Banks in Indonesia After the Covid-19 Pandemic

Efficiency of Commercial Banks in Indonesia After the Covid-19 Pandemic

Determinants Of Total Loans Disbursed By Rural Banks In Indonesia

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