Optimalisasi Peningkatan Kualitas  Kredit Dalam Rangka Mengatasi Kredit Bermasalah

Chosyali, Achmad; Sartono, Tulus

doi:10.14710/lr.v15i1.23357

Cited by 17 publications

(18 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…Prospective customers who are known to have good behavior as village manners will be more considered in the loan approval process This is because BUMDes believes that customers who are local village manners feel that they belong to BUMDes, so they will be more appreciate their obligations in paying installments for the sustainability of the BUMDes. These findings support previous research that (Chosyali & Sartono, 2019) found that decisions in the settlement of bad loans will be better when internal control systems, especially in lending, are effectively implemented. BUMDes, which implements an internal control system for providing credit adequately, will help the board maintain its assets because the risk of the onset of bad loans can be suppressed.…”

Section: Discussion the Effects Of Internal Control System On Bad Loasupporting

confidence: 90%

Internal Control Capabilities with Menyama Braya Concept as An Effort To Saving Bad Loans in Bumdes

Trisnawati¹,

Rianita²,

Kartika³

2020

IJSSB

View full text Add to dashboard Cite

Bad credit must still be saved to reduce the amount of losses and keep BUMDes afloat. The purpose of this research is to analyze the internal control capabilities with local wisdom of menyama braya as a bad loans saving effort. The research population is all bumdes active in Buleleng Regency. The sampling in this study used random sampling techniques so that 92 observational data were obtained. The data analysis technique used in this study is sem component based analysis method, Partial Least Square (PLS). Based on the results of the coefficient path, the influence of the internal control system on the bad credit saving strategy is significant which is shown with a value of T statistics of “1.96” which is 2,890 or p-values is significant < 0.05. Cultural Moderation between the relationship of the internal control system to the bad credit saving strategy shows a static T value of 2,637 greater than 1.96 with a p-values value of <0.05). The results showed that internal control systems had a positive effect on bad loans saving strategies. And the culture of menyama braya moderates the relationship between internal control systems and bad credit saving strategies. BUMDes who are obedient in their internal control system, then based on acting using the concept of menyama braya culture, turned out to be an effective force in the efforts to save bad loans that occurred.

show abstract

Section: Discussion the Effects Of Internal Control System On Bad Loasupporting

confidence: 90%

Internal Control Capabilities with Menyama Braya Concept as An Effort To Saving Bad Loans in Bumdes

Trisnawati¹,

Rianita²,

Kartika³

2020

IJSSB

View full text Add to dashboard Cite

show abstract

“…BRI Unit Pasar Boyolali Office. The empirical approach in this study was conducted with the aim of obtaining empirical knowledge so as to facilitate the authors in concluding (Chosyali & Sartono, 2019).…”

Section: Methodsmentioning

confidence: 99%

“…Banking as a financial services industry in Indonesia, is an industry that plays an important role in economic activities (Cvijovic, Stankovic, & Relljic, 2017). Banking also has a role in efforts to improve people's welfare by supporting the implementation of national development (Chosyali & Sartono, 2019). The large variety of services offered by different banks causes the level of competition to be high, especially to obtain customers.…”

Section: Introductionmentioning

confidence: 99%

Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)

Tarigan

Paulus

2020

HTLJ

View full text Add to dashboard Cite

<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>

show abstract

“…Kredit macet dapat disebabkan oleh berbagai faktor, baik faktor internal maupun eksternal (Chosyali & Sartono, 2019). Faktor internal meliputi karakter nasabah (character) yaitu itikad baik dari nasabah untuk membayar pinjamannya, faktor nasabah yang tidak mampu mengelola usahanya (capacity), dan nasabah menyalahgunakan kredit yang diperolehnya (capital).…”

Section: Penyelesaian Kredit Macet Melalui Penghapusbukuanunclassified

Analisis Penghapusbukuan oleh Bank terhadap Utang Debitur atas Kredit Macet

Putri

2020

JIPPK

View full text Add to dashboard Cite

This study aimed to analyze write-off as a form of settlement over bad credit and the legal consequences of write-off by banks on debtors' debts over bad credit. The study used the normative juridical research method. From the discussion, it was obtained that the write-off was not as a settlement of bad credit between the two parties but rather the settlement of only one party, namely the creditor. The legal consequence of a write-off was that the creditor still had the right to claim the debtor so that the debtor was still obliged to pay to the creditor. Nevertheless, the bank's obligation to pay taxes had not increased.

show abstract

Optimalisasi Peningkatan Kualitas Kredit Dalam Rangka Mengatasi Kredit Bermasalah

Cited by 17 publications

References 0 publications

Internal Control Capabilities with Menyama Braya Concept as An Effort To Saving Bad Loans in Bumdes

Internal Control Capabilities with Menyama Braya Concept as An Effort To Saving Bad Loans in Bumdes

Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)

Analisis Penghapusbukuan oleh Bank terhadap Utang Debitur atas Kredit Macet

Contact Info

Product

Resources

About