Identifying credit demand, financial intermediation, and supply of funds shocks: A structural VAR approach

Balke, Nathan S.; Zeng, Zheng; Zhang, Ren

doi:10.1016/j.najef.2021.101375

Cited by 12 publications

(5 citation statements)

References 38 publications

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“…Credit restructuring is an improvement effort made in the distribution of credit activities to debtors who have difficulty fulfilling their obligations (Bawa & Basu, 2020;Power et al, 2014). The management of non-performing loans must be carried out systematically with the most efficient cost and optimal results (Balke et al, 2021;Rachmadi et al, 2021). One of the ways to save non-performing loans is through credit restructuring (Bawa & Basu, 2020;Power et al, 2014).…”

Section: Discussionmentioning

confidence: 99%

“…This institution has great potential and has been proven to promote the welfare of rural communities by channeling credit and fulfilling the interests of the village itself (Astawa et al, 2016;Suarta & Sudiadnyani, 2014). The definition of credit is the provision of money or bills that can be equated with it, based on a loan agreement or agreement between a bank and another party that requires the borrower to pay off his debt after a certain period of time with interest (Anastasiou et al, 2021;Balke et al, 2021;Liu & Zhang, 2021). One of the successes of LPD, which is a community-based credit institution in Pakraman/customary villages, can be explained by the factors of government policies that are conducive to supporting its existence through the issuance of legal instruments in the form of regional regulations (Sanjaya et al, 2019;Sujana & Mustanda, 2015).…”

Section: Introductionmentioning

confidence: 99%

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The Effect Credit Restructuring Relaxation on Financial Performance in LPD Buleleng Regency During the Pandemic of Covid-19

Nopiyani

Sanjaya

Kartika

2021

IJSSB

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During the Covid-19 pandemic, several Village Credit Institutions (LPD) experienced difficulties in their operations, so doing business would need to make various efforts. The implementation of various programs to support policies related to credit is carried out to maintain the growth of Village Credit Institutions (LPD), one of which is the relaxation of credit restructuring policies for people who have credit at Village Credit Institutions (LPD). This study aims to analyze the effect of the relaxation of credit restructuring on LPD financial performance during the Covid-19 pandemic. The nature of this research is an explanation with quantitative methods to test the causality of these variables. The variables in question are the relaxation of credit restructuring and performance. The total population of this study was 81 LPD. Determination of the sample using random sampling technique to obtain a total sample of 46 LPD. This research data collection uses documentation and questionnaire techniques. The data technique used in this study is a simple linear regression with the help of the SPSS 21 application. The results of this study are a positive analysis credit restructuring regression coefficient of 0.968 which means that each increase in credit restructuring by one unit will lead to an increase in the financial performance of 0.968 with the assumption of independent variables other constant. The results of data analysis showed that credit restructuring partially affected financial performance. The key is that credit restructuring has a significant positive effect on the financial performance of the Buleleng Regency LPD during the Covid-19 Pandemic.

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Section: Discussionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

The Effect Credit Restructuring Relaxation on Financial Performance in LPD Buleleng Regency During the Pandemic of Covid-19

Nopiyani

Sanjaya

Kartika

2021

IJSSB

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“…(The hypothesis is accepted). The number of third party funds collected by a bank is directly proportional to the amount of credit issued, meaning that the more third party funds, the more credit issued (Balke et al, 2021;Bawa & Basu, 2020;Hernández et al, 2015). The higher the LDR, the lower the liquidity capacity of the bank concerned.…”

Section: Discussionmentioning

confidence: 99%

Effectiveness of Non-Performing Loans Management at the Penglatan Traditional Village Credit Institution (LPD)

Suardika

Dewi

2021

IJSSB

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As a microfinance institution, the LPD, which is finance belonging to the village of Pakraman, aims to collect funds from the community to be further channeled back to the community. Seeing the critical role of the LPD as a micro institution in Bali, the LPD institution with traditional villages, and the government's desire to develop LPD in Bali, the existence of the LPD needs to be maintained and maintained. This study aims to determine the effectiveness of managing Non Performing Loans (NPL) in LPd Desa Adat Penglatan through the Non-Performing Loan Ratio (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Earning Asset Quality (KAP) and Costs. Operating Operating Income (BOPO). This research was conducted at the Village Credit Institution (LPD) of the Penglatan Traditional Village. The instrument used to collect data is a questionnaire. This study used a population and 36 months or three-year samples using the purposive sampling technique. The collection technique uses an observation process on financial statement data. The techniques used in analyzing the data are Multiple Linear Regression Analysis, Classical Assumption Test Analysis, F-Test Analysis (F-Test), Determination Analysis, and T-Test Analysis (T-Test). The results of this study explain that the Capital Adequacy Ratio (CAR) has a significant negative effect on Non Performing Loans (NPL) and Loan to Deposit Ratio (LDR), Earning Assets Quality (KAP), and Operating Income Operating Costs (BOPO) have a significant influence for Non-Performing Loans (NPL).

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“…Economic activities are easily affected by various social factors, such as monetary policies (Balke et al, 2017;Zhang, 2019;An et al, 2021), credit shocks (Balke et al, 2021), and major public events like COVID-19 pandemic (Shang et al, 2021;Zhao Y. H. et al, 2021). The global economy encountered a serious recession in the second quarter of 2020.…”

Section: Overview Of the Effect Of Covid-19 On Economic And Mental He...mentioning

confidence: 99%

COVID-19 Induced Economic Slowdown and Mental Health Issues

et al. 2022

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The COVID-19 pandemic has pressed a pause button on global economic development, and induced significant mental health problems. In order to demonstrate the progressed relationship between the pandemic, economic slowdown, and mental health burden, we overviewed the global-level gross domestic product changes and mental problems variation since the outbreak of COVID-19, and reviewed comprehensively the specific sectors influenced by the pandemic, including international trade, worldwide travel, education system, healthcare system, and individual employment. We hope to provide timely evidence to help with the promotion of policymakers’ effective strategies in mitigating economic losses induced by the pandemic; we suggest different governments or policy makers in different countries to share information and experience in dealing with COVID-19-induced economic slowdown and promote COVID-19 vaccine popularization plan to protect every individual worldwide against the coronavirus essentially; and we appeal international information share and collaboration to minimize stigmatization related to adverse mental consequences of COVID-19 and to increase mental health wellbeings of people all over the world.

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Identifying credit demand, financial intermediation, and supply of funds shocks: A structural VAR approach

Cited by 12 publications

References 38 publications

The Effect Credit Restructuring Relaxation on Financial Performance in LPD Buleleng Regency During the Pandemic of Covid-19

The Effect Credit Restructuring Relaxation on Financial Performance in LPD Buleleng Regency During the Pandemic of Covid-19

Effectiveness of Non-Performing Loans Management at the Penglatan Traditional Village Credit Institution (LPD)

COVID-19 Induced Economic Slowdown and Mental Health Issues

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