The Influence of Macroeconomic Factors in the Failure of Returning the Bank Credits in Kosovo

Skenderi, Nagip; Islami, Xhavit; Mulolli, Enis

doi:10.5901/mjss.2016.v7n1p320

Cited by 3 publications

(3 citation statements)

References 7 publications

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“…This has an impact on the higher non-performing loans of banks as indicated by the higher NPL ratio. The results of this study support Skenderi, et al (2016) and Pertiwi, et al (2020) which also prove that interest rates partially have a significant positive effect on NPLs in banks. While the effect of interest rates on ROA, the higher the interest rate set by Bank Indonesia, the effect on credit interest rates which causes an increase in interest expense from loans, so that interest income increases, when interest income increases, the bank's profit or profitability will increase.…”

Section: Introductionsupporting

confidence: 83%

The Role of Interest Rates on the Effect of Non-Performing Loans and Capital Adequacy Ratios on Banking Profitability (Case Study on Conventional Commercial Banks Listed on the Indonesia Stock Exchange 2016-2020)

Maria Safitri,

Vicky Oktavia

2022

JCI

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The purpose of this study was to determine the effect of Non Performing Loans (NPL), Capital Adequacy Ratio (CAR) on Profitability (ROA) moderated by Interest Rates (RATE). The population of the data taken in this study were 41 conventional commercial banks. Based on the purposive sampling technique, 190 data samples were obtained from 38 conventional commercial banks listed on the IDX from 2016 to 2020. This study used path analysis with the Warp PLS 7.0 application. The results of this study prove that NPL has a negative and significant effect on ROA, CAR has a positive and significant effect on ROA, interest rates are able to moderate the effect of NPL on ROA of conventional commercial banks as evidenced by the coefficient value of -0.272 with p-value <0.001. However, interest rates are not able to moderate the effect of CAR on ROA of conventional commercial banks.

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Section: Introductionsupporting

confidence: 83%

The Role of Interest Rates on the Effect of Non-Performing Loans and Capital Adequacy Ratios on Banking Profitability (Case Study on Conventional Commercial Banks Listed on the Indonesia Stock Exchange 2016-2020)

Maria Safitri,

Vicky Oktavia

2022

JCI

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“…This study contributes significantly to the scientific and academic value (Skenderi et al, 2016;Mustafa et al, 2022, Islami, 2021, 2022 of the effect of OC components in EE dimensions in North Macedonia, in the region, and beyond.…”

Section: Discussionmentioning

confidence: 82%

The Role of Organizational Culture on Employee Engagement

Abduraimi

Mustafi

Islami

2023

Business: Theory and Practice

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Despite the recognized importance of organizational culture (OC) for favorable organizational effects, empirically is relatively little known about its impact on employee engagement (EE), in Balkan countries, especially in the Republic of North Macedonia. To address this gap the purpose of this study is to explore the relationship between OC components and three dimensions of EE (vigor, dedication and absorption). To conduct this study a survey of 152 public secondary education employees who operate in the Republic of North Macedonia was done. The gathered data was analyzed using SPSS program. Results indicated that several components of the OC are significantly related to EE dimensions, such as employee vigor, dedication, and absorption. As a result, the study concludes that OC has a significant positive effect on EE dimensions both in and out of school. The outcomes of this study significantly contribute to a better understanding of the OC-EE relationship in the non-profit organizations.

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“…Sepanjang tahun penelitian nilai NPL pada bank devisa di Indonesia mengalami peningkatan sebesar 0,02 persen. Hasil penelitian ini mendukung Skenderi, et al (2016) dan Pertiwi, Risna et al (2020) yang juga membuktikan suku bunga secara parsial berpengaruh berpengaruh positif signifikan terhadap NPL pada bank devisa di Indonesia. Dalam terhadap NPL.…”

Section: Pembahasanunclassified

Determinan Kredit Bermasalah Pada Bank Devisa Di Indonesia

Sistiyarini¹,

Poerwanti²

2021

Eqien

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Tujuan penelitian ini adalah menguji dan menganalisis faktor-faktor yang mempengaruhi kredit bermasalah pada bank devisa di Indonesia. Penelitian ini menggunakan rasio NPL sebagai variabel. Variabel independen terdiri dari CAR, LDR, NIM, BOPO, bunga dan inflasi. Data penelitian merupakan data sekunder. Populasi penelitian ini adalah seluruh bank devisa konvensional dan sampel sebanyak 33 bank. Data sekunder diperoleh dari laporan keuangan bank. Teknik analisis data penelitian adalah regresi data panel. Hasil penelitian membuktikan bahwa CAR, LDR, NIM, BOPO, Bunga dan Inflasi secara simultan memiliki pengaruh yang signifikan terhadap NPL pada bank devisa di Indonesia. Terdapat 3 variabel yang memberikan pengaruh negatif tidak signifikan terhadap NPL yaitu CAR, LDR dan BOPO. Hasil positif tidak signifikan terhadap NPL diperoleh dari variabel NIM. Variabel bunga memiliki pengaruh positif signifikan pada NPL, sedangkan variabel inflasi memiliki pengaruh negatif signifikan pada bank devisa di Indonesia.

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The Influence of Macroeconomic Factors in the Failure of Returning the Bank Credits in Kosovo

Abstract: The possibility of non-returning the credits is a challenge faced by all banks. Giving back the taken credits is an important

Cited by 3 publications

References 7 publications

The Role of Interest Rates on the Effect of Non-Performing Loans and Capital Adequacy Ratios on Banking Profitability (Case Study on Conventional Commercial Banks Listed on the Indonesia Stock Exchange 2016-2020)

The Role of Interest Rates on the Effect of Non-Performing Loans and Capital Adequacy Ratios on Banking Profitability (Case Study on Conventional Commercial Banks Listed on the Indonesia Stock Exchange 2016-2020)

The Role of Organizational Culture on Employee Engagement

Determinan Kredit Bermasalah Pada Bank Devisa Di Indonesia

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