Efektivitas Pengendalian Kredit Macet pada Bank SULUTGO Cabang Gorontalo

Mattoasi, Mattoasi; Taruh, Victorson; Monoarfa, Savira Aulia

doi:10.37905/jar.v4i1.68

Cited by 2 publications

(2 citation statements)

References 8 publications

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“…Kredit bermasalah Muhamad Shafwan Hanif, Anik Sri Widawati/ Analisis Determinan Kredit Macet…….. mencakup kondisi kredit macet, yang terjadi ketika bank menghadapi kesulitan dalam menagih angsuran dari debitur karena alasan tertentu (Nursyahriana et al, 2017). Mattoasi et al (2023) problem loan atau kredit bermasalah terjadi ketika kredit menghadapi kendala dalam pelunasan yang disebabkan oleh berbagai faktor, maupun faktor sengaja atau karena keadaan yang melampaui kemampuan seorang debitur. Sparta (2016), risiko kredit macet di sektor perbankan Indonesia diidentifikasi dengan menggunakan Non Performing Loan (NPL).…”

Section: Kredit Macetunclassified

Analisis Determinan Kredit Macet Pada Umkm Di Indonesia

Hanif,

Widawati

2024

jre

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MSMEs play a vital role in boosting Indonesia's economy, and to enhance this sector, the government offers banking support for the allocation of MSME loans. Although the distribution of loans to MSMEs is increasing, there is a rising trend in the risk of non-performing loans. This risk stems from debtors' inability to meet their obligations with creditors due to various factors. This study aims to assess the impact of MSME credit growth, interest rates, MSME working capital credit, and MSME GDP on non-performing loans in Indonesia's MSMEs. Utilizing a quantitative approach and secondary data from Bank Indonesia, the Financial Services Authority, and the Central Statistics Agency, the research employs multiple linear regression through Eviews 10. The time series data spans from 2011 to 2022, and the findings reveal that each variable—MSME credit growth, interest rates, MSME working capital credit, and MSME GDP—significantly influences non-performing loans in Indonesia's MSMEs.

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Section: Kredit Macetunclassified

Analisis Determinan Kredit Macet Pada Umkm Di Indonesia

Hanif,

Widawati

2024

jre

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“…According to [10] the amount of credit given is basically in accordance with the needs of prospective customers, because the amount of credit and the timing of terminating credit to customers is not appropriate which can lead to over-financing or under-financing. In addition, if there is an error in determining the limit, it will also affect credit returns from customers.…”

Section: Introductionmentioning

confidence: 99%

Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives

Fatma Ginoga,

Khairi Inayah Syahwani,

Tanjung

et al. 2023

E3S Web Conf.

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For the purpose of giving credit, financial institutions conduct analysis. The credit limit must be changed based on the customer’s capacity to pay. A crucial task that must be completed is determining the limit by looking at a lot of factors, particularly the financial one, which includes cooperatives that provide microloans. One of them, Koperasi Simpan Pinjam dan Pembiayaan Syariah Kebajikan Ikamatabagsel Sejahtera (KSPPS KIS), does not strictly rely the determination of the credit limit on analysis, which causes credit issues to continue to arise. The percentage of cooperative consumers with the biggest current credit status has a minimum limit of IDR 2,200,000, with a duration of less than 50 weeks, according to the findings of an analysis utilizing the CART method and data from 173 customers of the KIS Cooperative. This section serves as a gauge for the credit limit’s size at the time of analysis. This demonstrates that a time of less than 50 weeks will result in a lower level of non-current credit status than a period of more than 50 weeks and other variables such as the ratio of expenses, the value of costs, and income. Future studies should be able to include more variables that cooperatives can evaluate when deciding credit limits.

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Efektivitas Pengendalian Kredit Macet pada Bank SULUTGO Cabang Gorontalo

Cited by 2 publications

References 8 publications

Analisis Determinan Kredit Macet Pada Umkm Di Indonesia

Analisis Determinan Kredit Macet Pada Umkm Di Indonesia

Application of the CART Method to Determine the Amount of Credit Limit in KIS Syariah Cooperatives

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