The Effect of Character, Capacity, Capital, Collateral  and Condition of Economy on Giving Credit

Hapsila, Angga; Astarina, Ivalaina

doi:10.34006/jmbi.v9i1.188

Cited by 3 publications

(2 citation statements)

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“…Definisi aksesibilitas transaksi menurut Rosdi dan Widayati (2018) adalah suatu alat sarana dan prasarana yang memberikan kemudahan kepada seseorang untuk melakukan perjalanan (Hapsila & Astarina, 2020). Definisi manfaat yaitu yaitu suatu keinginan orang banyak untuk menjadi-kan lebih mudah.…”

Section: Pendahuluanunclassified

Analisis Faktor Determinan Wisatawan Domestik Menggunakan Digital Payment pada Sektor Pariwisata di Kota Yogyakarta

Lubis,

Nurohman

2023

SLJIL

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Digital Payment (fintech) is a new variation of business innovation through a combination of financial services and digital-based information technology that changes the financial services business model from manual to automatic through digital technology. With the existence of fintech technology, transaction activities in the community are more practical and effective and assist the community in gaining access to financial products and increasing knowledge about finance. The aim is to find out the determinant factors that influence domestic tourists using digital payments in the Yogyakarta tourism sector. data collection was done by distributing questionnaires to 100 respondents. Data analysis techniques were carried out in several stages, including: validity test, reliability test, and factor analysis. shows that the 4 factors that influence the intention of domestic tourists to use digital payment factors consist of ease of transaction, availability of payment, accessibility of transactions, and benefits. And based on the factor analysis, the dominant influencing variable is the ease of transaction variable.

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Section: Pendahuluanunclassified

Analisis Faktor Determinan Wisatawan Domestik Menggunakan Digital Payment pada Sektor Pariwisata di Kota Yogyakarta

Lubis,

Nurohman

2023

SLJIL

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“…Other alternative frameworks are also used depending on the bank's internal policy and mostly can be found in State-Owned Enterprise Banks. Two of the most popular frameworks are 7Ps: (good) Personality, (rating of) Party, (loan) Purpose, (company's) Prospect, (ability to re-) Payment, (company's) Profitability, and (credit) Protection (Hapsila & Astarina, 2020) and 3Rs: Returns, Repayment capacity, dan Risk bearing ability (Cahyadi & Windirah, 2021) but they are never used in isolation and are always used in conjunction with the 5Cs framework.…”

Section: Aspectmentioning

confidence: 99%

How Far Has Our MSMEs Credit Underwriting Assessment in Indonesian Commercial Banks Progressed?

Pambudi¹

2022

JBMR

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The literature on credit underwriting assessment is huge, but many are designed for consumer banking. Given that most banks in Indonesia got their revenue from commercial banking activities, it is critical to recall the main characteristics of current practice as recorded in published papers with cases in Indonesia's MSMEs credit underwriting risk assessment. This study discusses the industry standard of loan origination framework and the emerging trend of statistical and advanced analytic methods with their challenges, focusing on papers on credit underwriting risk assessment with MSMEs datasets leaning on Indonesian data whenever available and opening research questions in this topic. Examples given in this paper may indicate the methods used by Indonesian banks to assess the creditworthiness of MSMEs, although there is no clue if either the mentioned studies are implemented in the respective banks or just for academic purposes.

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Pengaruh Pemberian Kredit Usaha Rakyat Terhadap Pendapatan Usaha Mikro Kecil Dan Menengah

Nita Y Adju,

Harun Blongkod,

Nurharyati Panigoro

2023

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This study aims to determine how much influence the provision of people's business credit (KUR) has on the income of micro, small and medium enterprises (UMKM). This research uses quantitative methods. The data used is primary data obtained from distributing questionnaires. The population of this research is UMKM BRI Unit Aloei Saboe customers, Gorontalo City. The sampling technique used purposive sampling. The data analysis method used is Structural Equation Modeling (SEM). The results of this study indicate that the provision of people's business credit (KUR) has a significant effect on the income of micro, small and medium enterprises (UMKM) on BRI Unit Aloei Saboe UMKM customers, Gorontalo City.

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The Effect of Character, Capacity, Capital, Collateral and Condition of Economy on Giving Credit

Cited by 3 publications

References 0 publications

Analisis Faktor Determinan Wisatawan Domestik Menggunakan Digital Payment pada Sektor Pariwisata di Kota Yogyakarta

Analisis Faktor Determinan Wisatawan Domestik Menggunakan Digital Payment pada Sektor Pariwisata di Kota Yogyakarta

How Far Has Our MSMEs Credit Underwriting Assessment in Indonesian Commercial Banks Progressed?

Pengaruh Pemberian Kredit Usaha Rakyat Terhadap Pendapatan Usaha Mikro Kecil Dan Menengah

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