Analysis of COVID-19 Impact on Micro, Small, and Medium Enterprises (MSMEs) Credit Distribution in East Java Banks

Nufus, Evita Hayatun; Zuhroh, Idah; Suliswanto, Muhammad Sri Wahyudi

doi:10.18196/jai.v22i2.10701

Cited by 8 publications

(5 citation statements)

References 16 publications

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“…The prominent challenges expressed came in the aspect of consumer, with the perception of COVID-19 pandemic influenced the purchasing power, decreasing number of consumer and demand. These insight support the finding of main factor which influence MSMEs' revenue is related with lower purchasing during pandemic (Nufus, Zuhroh, & Suliswanto, 2021)Small, and Medium Enterprises (MSMEs.…”

Section: Innovation and Challenges Of Msmes In Covid-19 Pandemicsupporting

confidence: 81%

“…At the same time, the MSMEs sectors also have limited time and resources, which is true due to relatively small capital assets. For marketing, it is a fundamental issue in COVID-19 crisis where the sector expect a support in particular of training for digital marketing while waiting the restriction policy lifted and traditional market can operate again (Behera et al, 2020;Gunadi et al, 2021;Nufus et al, 2021;Saturwa, Suharno, & Ahmad, 2021)the micro, small and medium Enterprises (MSMEs. Although traditional market plays important role, with the change of lifestyle and social restriction, MSMEs sector is expected to adapt their business and actively participate in digital marketing to sustain their business and improve their revenues.…”

Section: Innovation and Challenges Of Msmes In Covid-19 Pandemicmentioning

confidence: 99%

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The Well-Being of Micro Small and Medium Enterprises’ Practitioner in Covid-19 Pandemic

Harding¹,

Friyanto²,

Lukman³

2022

Sosiohumaniora

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The Micro, Small, and Medium Enterprises (MSMEs) sector plays an important role in the development of a country, providing massive revenues and employment opportunities. However, the challenges of MSMEs sector are now exacerbated with the situation of COVID-19 due to the business limitation and degrading economic situation. In addition to financial difficulties, there is also the concern on the well-being of MSMEs practitioners which can influence the sustainability of the sector. This research was conducted with the purpose of investigating the level of well-being for MSMEs practitioners. The approach of subjective well-being using Satisfaction with Life Scale (SWLS) and scale of positive and negative experience (SPANE) were implemented in a form of questionnaire. A total of 119 MSMEs practitioners were collected in this study, with their level of well-being investigated, as well as the challenges and innovations experienced during the COVID-19 pandemic. The findings in this study show that the MSMEs practitioners under association support were majority within medium and high levels of well-being, however this study also takes note of practitioners within low-level of well-being. Hence there is the implication challenge to formulate policy intervention to support MSMEs sector which integrate the financial and mental health aspect to maintain the sustainability of the sector.

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Section: Innovation and Challenges Of Msmes In Covid-19 Pandemicsupporting

confidence: 81%

Section: Innovation and Challenges Of Msmes In Covid-19 Pandemicmentioning

confidence: 99%

The Well-Being of Micro Small and Medium Enterprises’ Practitioner in Covid-19 Pandemic

Harding¹,

Friyanto²,

Lukman³

2022

Sosiohumaniora

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“…Penurunan nilai penawaran kredit tersebut banyak dipengaruhi oleh kebijakan perbankan itu sendiri, salah satunya disebabkan oleh sikap selektif bank dalam mendistribusikan kredit setelah meningkatnya jumlah non-performing loans. Penurunan paling banyak terjadi pada kredit untuk perusahaan berskala medium (Nufus, Zuhroh, & Suliswanto, 2021).…”

Section: Covid-19 Dan Resiliensi Bankunclassified

Resiliensi Perbankan Indonesia Selama Pandemi Covid-19: Suatu Evaluasi Multidimensional Berbasis McDm

Perdana¹

2023

jaa

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This study aims to analyze the resilience level of a banking group sample in Indonesia during the Covid-19 pandemic classified by core capital-3 (KBMI 3) through the application of the TOPSIS method as an MCDM-based multidimensional evaluation by considering a number of weighting factors. The results of this study are the scores and rankings of each bank which are categorized into three groups namely top resilient, middle resilient, and low resilient. BTPN and MEGA are the most resilient banks while BBTN is the least resilient bank in dealing with the negative impact of the Covid-19 pandemic in our sample. This study concludes that banks with low capital adequacy ratios, low liquidity ratios, low profitability ratios, and low credit quality levels are the most vulnerable to shocks during the Covid-19 pandemic. Therefore, bank management is expected to strengthen its capital adequacy ratio, and improve the effectiveness of credit management to reduce the number of non-performing loans and mitigate risks through the application of prudential principles in distributing loans and not relying on income from credit interest only. Abstrak: Penelitian ini bertujuan menganalisa tingkat resiliensi satu sampel kelompok bank di Indonesia selama pandemi Covid-19 yang diklasifikasikan berdasarkan nilai kepemilikan modal inti 3 (KBMI 3) melalui penerapan metode TOPSIS sebagai suatu evaluasi multidimensional berbasis MCDM dengan mempertimbangkan sejumlah faktor pembobotan. Hasil penelitian ini berupa nilai dan peringkat setiap bank yang terbagi ke dalam tiga kategori resiliensi yaitu top resilient, middle resilient, dan low resilient. BTPN dan MEGA di dalam sampel penelitian ini merupakan bank-bank yang paling tinggi resiliensinya sedangkan BBTN merupakan bank yang paling rendah resiliensinya dalam menghadapi dampak negatif pandemi Covid-19. Penelitian ini menyimpulkan bahwa bank-bank yang memiliki rasio kecukupan modal, rasio likuiditas, rasio profitabilitas dan tingkat kualitas kredit yang rendah merupakan bank yang paling rentan terhadap guncangan selama pandemi Covid-19. Oleh karena itu, manajemen perbankan diharapkan dapat memperkuat rasio kecukupan modal yang dimiliki, meningkatkan efektivitas pengelolaan kredit untuk mengurangi jumlah kredit bermasalah dan melakukan mitigasi risiko melalui penerapan prinsip kehati-hatian dalam mendistribusikan kredit serta tidak menggantungkan pendapatan hanya dari bunga kredit.

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“…Kelangkaan bahan baku sebagai konsekuensi dari penyekatan. Kemudian, UKM kesulitan memperoleh akses modal (Nufus et al, 2021).…”

Section: Gambar 2 Perbandingan Kondisi Usaha Sebelum Dan Post Covid-19unclassified

Penyelamatan ukm dari guncangan wabah sars-cov-2: Sebuah kasus dari Samarinda, Indonesia

Wijaya

Jiuhardi

Nurjanana

2022

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Covid-19 does not only threaten the health aspect, but also threatens social tensions and the economic order. The existence of Small and Medium Enterprises (SMEs) is at the point of collapse. If it is not anticipated through comprehensive reform efforts, then the existence of SMEs is only a discourse and will slowly sink. This article aims to investigate the effects of the pandemic on the SMEs sector in Samarinda City. The method uses a qualitative-case study approach. Referring to the exploratory review, two points are concluded. First, the initial conditions (before Covid-19), the reputation of SMEs classified as "not severe" reached 92.7 percent, while only 1 percent of SMEs were "severe" and 6.3 percent "moderate". Second, after the emergence of Covid-19, there appeared to be significant changes, where there were 56.8 percent of SMEs in "severe" capacities, only a few of them were "not severe" or 15.4 percent, and 27.8 percent were "moderate". Technically, Covid-19 is a holistic cause in the decline in the growth of SMEs in Samarinda City. Additional alternatives are designed to urge and reconstruct the National Economic Recovery (PEN) through the actualization of fiscal instruments (capital assistance, tax relaxation and implementation of partnerships) for SME activists.

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Analysis of COVID-19 Impact on Micro, Small, and Medium Enterprises (MSMEs) Credit Distribution in East Java Banks

Cited by 8 publications

References 16 publications

The Well-Being of Micro Small and Medium Enterprises’ Practitioner in Covid-19 Pandemic

The Well-Being of Micro Small and Medium Enterprises’ Practitioner in Covid-19 Pandemic

Resiliensi Perbankan Indonesia Selama Pandemi Covid-19: Suatu Evaluasi Multidimensional Berbasis McDm

Penyelamatan ukm dari guncangan wabah sars-cov-2: Sebuah kasus dari Samarinda, Indonesia

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