Bad Credit Research Articles

Pengaruh Kredit Macet, Tingkat Efisiensi dan Likuiditas Terhadap Profitabilitas: Studi pada Perbankan Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2020-2022

The purpose of this study was to determine how the influence of Bad Debt, Efficiency Level and Liquidity on Profitability both partially and simultaneously. The data used in this study are secondary data in the form of financial statement data on conventional public banking companies listed on the Indonesia Stock Exchange for the period 2020-2022. The research methods used are descriptive and associative methods with a quantitative approach. The sampling technique used in this study used a non-probability sampling approach with purposive sampling method. The data analysis techniques used are multiple correlation coefficient test, coefficient of determination, multiple linear regression test, partial test (t test) and simultaneous test (f test). Based on the results of the study, it shows that from the partial test (t test) Bad Credit (NPL) shows a result of 0.294 where tcount 1.065 < t table 2.024 with a significance value of 0.294, then the Efficiency Level shows a result of 0.000 where tcount 22.440 < t table 2.024 with a significance value of 0. 000, then Liquidity shows a result of 0.002 where tcount 3.396 < ttable 2.024 with a significance value of 0.002. the conclusion is that Bad Debt partially has no effect on Profitability while the Efficiency Level, Liquidity partially has an effect on Profitability.

Analisis Penyaluran Kredit, dan Kredit Macet terhadap Profitabilitas: Studi Keuangan Pada Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2023

The aim of this research is to analyze credit distribution and bad credit on profitability in the banking sector listed on the Indonesia Stock Exchange (BEI). The method used in this research is descriptive and associative research methods with a quantitative approach. The population in this research is banking sector companies listed on the Indonesia Stock Exchange (BEI) for the 2023 period, with the number of samples used in this research being 39 banking companies listed on the Indonesia Stock Exchange for the 2023 period. The data collection technique used is by using data secondary obtained from documentation and literature study. By using the perposive sampling method. Using IBM SPSS Version 25 software, as a data analysis technique tool. The results of this research show that the credit distribution variable (X1) has a positive and significant effect on profitability, and the bad credit variable (X2) has a negative and significant effect on profitability. So all hypotheses are accepted

Profiling Peminjam Berdasarkan Demografi dan Karakteristik Kredit Menggunakan Metode Clustering: Studi pada Koperasi Serba Usaha KSU Bintang Muda 88

This research aims to ensure that the credit provided is truly safe, so as to expedite the process of granting credit, and prevent bad credit. The data collection procedure in this research is through documentation and literature. Based on data analysis carried out by researchers using the clustering method, it can be concluded that the customer groups analyzed show different characteristics and require adapted strategies from cooperatives.

Analysis of the Implementation of Risk Management to Minimize the Risk of Bad Credit at the Nias Rural Development Savings and Loans Cooperative (KSP3) Gunungsitoli Branch

This study aims to determine the application of risk management carried out by the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch in minimizing the risk of bad loans. In this study, the type of research used is a descriptive type with a qualitative approach. Data collection techniques are used through observation, interviews and documentation. To obtain information, the researcher conducted direct interviews with 6 informants, namely branch heads, 2 employees and 3 members of the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch. The data analysis techniques used in qualitative research include transcripts of interview results, data reduction, data presentation and conclusion drawn. The results of the study show that the implementation of risk management carried out by the Nias Rural Development Savings and Loan Cooperative (KSP3) Gunungsitoli Branch is carried out through a series of stages, namely risk identification, risk measurement, risk monitoring and risk control. The implementation of risk management to minimize the risk of bad loans has been effectively implemented by KSP3 Nias Gunungsitoli Branch as evidenced by the NPL (Non-Performing Loan) rate from 2020-2022 which is still below 5%.

A Conceptual Framework of Navigating Digital Banking: How Gender Impacts Adoption Intentions in Klang Valley

Malaysian banking users have encountered negative experiences while adopting traditional bank services. Several customers and businesses face limited access to traditional banking products and services due to factors such as low or irregular income, bad credit, or a lack of conveniently located banks. The acceptability of digital banking products and services in Malaysia is currently unknown and inadequate due to the general lack of familiarity among Malaysians with the notion of digital banking. Conventional methods of analyzing consumer behavior, which primarily consider historical data and current resources, will not result in the achievement of branchless banking in the future. This paper presents a framework that examines how various factors such as performance expectancy, effort expectancy, social influence, facilitating condition, hedonic motivation, price value, and habit may influence behavioral intention. Additionally, the framework considers gender as a moderator variable. The results of this study are anticipated to expand the existing body of knowledge on behavioral intention and bring advantages to marketers and digital banking providers.

Down the banking hole: Investigating the case of Slovenian banks

The aim of this paper is to analyse who was responsible for the deterioration of the Slovenian banking sector to such an extent that it was almost destroyed by the 2008 financial crisis, necessitating the consideration of an international bailout. A literature review focused specifically on reports from law enforcement agencies and commissions that investigated banking practices, complemented by a qualitative empirical study. In order to gain insight into the reasons why this situation unfolded, ten structured interviews were conducted. The interviewees included experts with experience in the fields of prevention, detection, investigation and prosecution of economic crime, bad credit management, central banking, parliamentary committee management, forensic investigations, investigative journalism, and experts with academic knowledge in law and economics. Five different investigations explored the behaviour of banking sector actors before, during, and after the 2008 financial crisis. These investigations revealed behaviours ranging from negligence to criminal acts. The interviews indicated that the perpetrators were individuals of high social status with significant influence, explaining why people are often not willing to testify against them. On the detection and prosecution front, the main challenges were fears among criminal investigators, prosecutors, judges, and others of retaliation from superiors, job loss, and being publicly lambasted in the media.

The Existence of Supervision by Non-Governmental Organizations in Providing Legal Protection for Consumers with Bad Credit

Convoluted formal procedures have led to a crisis of public confidence in state institutions, this is what happens with bad credit, in fact the public prefers to take bad credit issues to complain to YLKI rather than going to state institutions that handle consumer protection. This research is intended to examine and analyze the role of Indonesian consumer foundations in providing protection to consumers with bad credit. The research method used is normative legal research which is carried out by conducting research, using library materials or secondary data. This research concludes, first, the problem of consumer protection for bad credit is that the public does not have confidence in resolution through consumer protection institutions under state institutions and through legal action in court as a litigation step. The reason is that complicated bureaucracy and the weak response of state institutions to the issue of bad credit have encouraged the public to choose YLKI to advocate for the issue of bad credit. Second, the existence of supervision by non-governmental organizations since 1970 has been able to respond quickly to consumer protection issues, especially regarding bad credit, namely through advocacy to save bad credit consumers who experience arbitrary collections. The problems experienced by YLKI are a lack of budget and the number of human resources that are unable to keep up with the volume of handling advocacy cases such as bad credit issues, causing YLKI to not optimally handle bad credit cases.

Penyelesaian Kredit Macet dengan Jaminan Hak Tanggungan pada PT Bank Perekonomian Rakyat Pulau Punjung

Providing credit does not always run smoothly, there are some loans that are bad because debtors do not carry out their obligations properly. If bad credit is not handled properly, it will have a bad impact on PT BPR Pulau Punjung because it will disrupt cash flow in and out. This research aims to find out: (1) What is the process of resolving bad credit with mortgage guarantees carried out by BPR Pulau Punjung? (2) What are the obstacles and constraints faced by BPR Pulau Punjung in resolving bad credit with collateral? (3) What efforts have been made by BPR Pulau Punjung to resolve the problems or obstacles that occur in bad credit with mortgage guarantees? This research method is empirical and includes descriptive research. The data source was obtained from interviews. The data collection techniques were literature study and field study. The results of this research are (1) The resolution of bad credit at PT BPR Pulau Punjung was carried out very well by making various efforts to save credit and in accordance with banking procedures. (2) constraints and obstacles faced by PT. Punjung Island BPR in resolving bad credit with mortgage guarantees is difficult to meet customers, bad customer character, economic factors, the credit given is not fully used for business, the debtor is not open to creditors, the debtor is negligent in the agreement, the condition of the debtor's family is not conducive. . (3) Efforts made by PT. Punjung Island BPR in resolving the problems and obstacles that occur in bad credit with collateral rights is applying the 5C 7P and 3R principles, and BPR proposes various efforts for bad credit which can still be saved by finding out the factors causing the bad credit by re-surveying and considering returned a request to save the bad credit. In conclusion, before executing the PT guarantee. BPR has made various efforts to save bad credit so that the debtor's credibility does not decline.

Analisis Kredit Macet dalam Menentukan Kebijakan Restrukturisasi

This research aims to find out how bad credit is resolved by credit restructuring at BRI Central Unit. This research uses descriptive qualitative research methods. The data source used in this research is primary data obtained from interviews and secondary data obtained from the agency, namely Bank BRI Central Unit. Data collection methods were carried out using observation, interviews and documentation methods. Based on the research results, it shows that resolving bad credit or problematic credit in the BRI Central Unit implements a restructuring policy as an effective and efficient way to reduce the level of bad credit. BRI Central Unit creditors have carried out credit restructuring in accordance with applicable banking laws and internal bank regulations. In settlement using the restructuring method, the creditor adheres to the conditions issued by BI, in accordance with the provisions regarding credit restructuring was first regulated in Bank Indonesia Directors’ Decree No. 31/150/KEP/DIR dated 12 November 1998 concerning Credit Restructuring which was later changed to Bank Indonesia Regulation No. 2/15/PBI/2000 concerning Credit Restructuring

The Influence of Macroeconomic Variables on Non-Performing Finance in Sharia Commercial Banks

One of the advantages of the sharia banking business is financing productive sectors that do not contain haram elements. Financing in the micro, small and medium sectors is a sharia banking financing business line, but there is a big risk of bad credit. In recent years, increasing global and domestic economic uncertainty has led to depreciation of the exchange rate, unstable prices of basic commodities, thereby reducing people's purchasing power. This research aims to examine macroeconomic variables such as the exchange rate, inflation and production index as a proxy for GDP towards NPF of sharia banking. The research uses monthly time-series data and the OLS method. The research results show that macroeconomic variables have an influence on NPF. The research implication is that the stability of macroeconomic conditions can maintain people's purchasing power which can influence the NPF level of sharia banking.

Analysis Of Working Capital Credit Provision System And Handling Of Bad Credit (Case Study At PT. BPR Supra Artapersada Pelabuhan Ratu Branch)

This study aims to analyze the working capital credit provision system and the handling of bad credit at PT. BPR Supra Artapersada Pelabuhan Ratu Branch. The data used includes qualitative data in the form of credit applications, credit guidelines, credit analysis, credit agreements, warning letters, and the organizational structure of PT. BPR Supra Artapersada Pelabuhan Ratu along with its job descriptions. Data collection techniques involve observation, interviews, and documentation, which are then analyzed using qualitative descriptive analysis. The results of this study indicate that the working capital credit provision system implemented at PT. BPR Supra Artapersada is generally good, with a structured procedure from credit application, credit analysis, approval, to disbursement. However, some aspects still require improvement to prevent bad credit. The handling of bad credit at PT. BPR Supra Artapersada is also quite comprehensive, including initial notifications, direct communication, field visits, issuing warning letters, and applying the 3R methods (Restructuring, Rescheduling, Reconditioning). However, there is a need to improve the mechanism for seizing collateral and to adjust the legal procedures applied.

ANALISIS DALAM BERINTERAKSI PADA PEER TO PEER LENDING DALAM KREDIT MACET PINJAMAN ONLINE DAN PAYLATER YANG DIDOMINASI OLEH GENERASI Z

This research analyzes interactions on peer to peer lending platforms with a focus on bad credit online loans and paylater dominated by generation Z. Peer to peer lending has become an easy financing alternative in Indonesia that can be done digitally. However, the rapid growth of peer to peer lending also poses risks, including significant bad debts. This study aims to identify the development of peer to peer lending in Indonesia from 2020 to 2023 and examine the mitigation of bad credit risk in online loans and paylater that are widely used by generation Z. The research method used is qualitative with a descriptive method using a literature review approach, analyzing secondary data from various reliable sources such as OJK reports and journal articles. The research findings show that although peer to peer lending provides easy access to financing, many generation Zs are trapped in bad credit due to their inability to repay loans on time. This research provides recommendations for borrowers and lenders to be more careful in using peer to peer lending services that are legal and supervised by OJK to reduce the risk of bad credit.

What Makes a Smart Bank: The Case of Brde, a Last-Mile Subnational Development Bank in Brazil

Development banks are considered mission-oriented financial institutions that must act to fill gaps and market failures, supporting innovation with long-term financing in order to play a fundamental role in smoothing the risks associated with boom and bust cycles. . The existence and role of public development banks have been discussed for more than a century. Thus, this work proposes a case study with the analysis of the Subnational Development Bank - BRDE, in which there is a reference based on authors who discuss regional development and, subsequently, the case of BRDE, with the aim of describing the operation of a small bank in an emerging economy, its strengths and challenges. Therefore, it was possible to conclude that banks that have, at the same time, clarity of vision and mission and alignment of programs, flexibility to adjust to economic and social reality, solid financial results, robust governance attributes and autonomy - professional and collegial governance multilevel that increases the costs of both undue political pressure and bad credit decisions. From a financing point of view, the bank stands out for its technical capacity, which are critical but are important institutions to reinforce that its capillarity and knowledge of the context and local markets are useful for development. Thus, these banks provide financial instruments to expand financing at local and micro-regional levels, directly or through commercial banks and cooperatives. KEYWORDS: Regional development, banks, financial institutions, BRDE.

An Empirical Study of Public and Private Sector Bank’s NPA for the Period of 2005-2021

One of the most significant and challenging issues affecting the entire banking industry in India is the problem of Non-Performing Assets (NPAs). The primary source of revenue for banks is the interest collected on the loans they extend. However, when banks lend money, they assume the risk of bad credit. This means that the bank is exposed to potential losses if the borrower fails to repay the loan. The conducted analysis addresses the long-standing issues and concerns associated with Non-Performing Assets (NPAs) in scheduled commercial banks in India. This paper aims to assess the efficiency of each scheduled commercial bank in India over the period from 2005 to 2021. It evaluates key indicators, including net profit, total assets, total liabilities, and total employment. The aim and objectives of this study are to evaluate the variables impacted by NPA for public sector and private sector banks in India, to identify the scheduled commercial banks' NPA management shortcomings. The methodology which has been implemented in this study descriptive and panel regression analysis. Results shows that the larger NPA is in private sector bank when compared to public sector bank.

Prosedur Pemberian dan Pengawasan Kredit pada PT Bank Rakyat Indonesia (Persero) Tbk KCP Unit Ambarita

This study focuses on the procedure for providing and supervising credit, namely People's Business Credit (KUR) and Rural General Credit (KUPEDES), which aims to determine how the procedure for providing and supervising credit is at PT Bank Rakyat Indonesia (Persero) Tbk Ambarita Unit Branch Office. The research method used in this study is descriptive. The results show that the provision of KUR and KUPEDES and their supervision at PT Bank Rakyat Indonesia (Persero) Tbk Ambarita Unit Branch Office has yet to be fully carried out effectively. In credit supervision, it is also expected that the Mantri (account officer) related to the credit section is expected to monitor their customers more often by the applicable credit provision principles to avoid errors that result in bad credit, and supervision should be carried out as often as possible so that credit payments are by the agreement.

Efforts to Overcome Obstacles to Bailout Funds for KGPN Cooperative Customers in Medan Tembung District

This research aims to determine the factors that cause problematic credit at the KGPN Cooperative, Medan Tembung District. This research uses qualitative research with interview observation and documentation methods. The problems in this research are: 1. What causes Bad Credit in Cooperatives? 2. What are the Efforts to Pay Off Loans for Cooperative Members Who Bail Out Customers of the Medan Tembung District KGPN Cooperative? The effort to resolve the loan bailout from cooperative members which was bailed out by KGPN Cooperative customers in Medan Tembung District is to carry out good communication with customers. If you don't get results, you will contact someone close to the customer. Cooperatives are the implementation of chapter 33 of the Constitution as regulated in Law Number 25 of 1992 concerning Cooperatives. Cooperatives in Indonesia have a big influence on the survival of local residents. Moreover, in cooperatives there are several cooperative members and non-cooperative members who are not punctual in returning their debts at the predetermined time. Bad credit in savings and loan cooperatives has become a matter of great concern for the health of the cooperative itself. Bad debts in cooperatives are increasing over time and are difficult to collect. Gutter funds are widely used in the current transaction process. Such as implementing the pay late concept which uses bailout funds first. So that the main payment is made in accordance with the terms and policies of both parties. In other cases, bailout funds can be applied to various transaction areas, not only buying and selling transactions.

PENGATURAN PERLINDUNGAN HUKUM PADA PERJANJIAN E-CONTRACT PINJAM MEMINJAM UANG PADA LAYANAN FINANCIAL TECHNOLOGY BERBASIS PEER TO PEER LENDING

The development of globalization has encouraged the birth of the digital era of technology, and the presence of Financial Technology (Fintech). One of the features used is money lending, then information technology-based money lending and borrowing services or Peer to Peer Lending (P2PL) emerged, regulated in Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services (LPMUBTI) . The form of bond in fintech contained in an electronic contract arises as a result of an agreement between the Organizer and the Lender, or the Lender and the Loan Recipient. This research is normative juridical, as an approach to exploring law based on statutory regulations. The nature of the research used is descriptive research, aiming to describe clearly and in detail all the information obtained regarding the research subject, namely Fintech P2PL. The research results show that the protection of the parties in P2PL fintech is very lacking, namely loan recipients who lack education regarding P2PL fintech cause losses in default. Nor can lenders lose their money if bad credit occurs.Keyword: Legal Protection, Financial Technology, Peer to Peer Lending

Analisis Faktor-Faktor dan Strategi dalam Menghadapi Kredit Macet pada KSP SMP Negeri 35 Medan

This research aims to identify the factors that cause bad credit at the SMP Negeri 35 Medan savings and loan cooperative and describe strategies for dealing with bad credit at the SMP Negeri 35 Medan savings and loan cooperative. The research method used is a qualitative descriptive method through interviews, observation, and documentation. The subjects of this research are the Chairman, Supervisory Staff, Bookkeeping Staff. The research is located on Jl. Williem Iskandar Pasar V Medan, Bandar Selamat, Kec. Medan Tembung, Medan City Prov. North Sumatra. The results of this research indicate that the factors causing bad credit at the SMP Negeri 35 Medan savings and loan cooperative are internal and external factors. The internal factors (cooperatives) consist of; cooperative officers' mistakes in analyzing potential debtors, excessive confidence, and family relationships. Meanwhile, external factors (from the customer's side) consist of need factors, the debtor's business failure (bankruptcy), and the debtor experiencing a disaster. The strategies that can be used at the SMP Negeri 35 Medan savings and credit cooperative are billing customers, communicating via telephone, and settling things amicably.

REVIEW OF FUNDING PROCEDURES ON PT FIFGROUP CILEGON BRANCH

Purpose - In the world of trade in goods and services, the types of transactions that are commonly carried out are payment by cash or credit. PT. Federal International Finance is one of the actors in the business world engaged in business Honda motorcycle credit sales financing. Total financing is dominated by credit. This is done primarily in addition to attracting as many buyers as possible also to make it easier for consumers to manage cash Design/methodology/approach - Financing credit sales of Honda motorcycles to PT. FIFGROUP uses a system and credit financing procedures. The purpose of this study is (1) to analyze the effectiveness of procedures for providing credit funds to customers at PT. FIFGROUP Cilegon Branch (2) To analyze the customer's bad credit control system PT. FIFGROUP Celeron Branch Finding - Observations were made on the results of this study shows In analyzing the feasibility of granting credit to consumers, besides using 5C analysis the company also uses five parameters feasibility in analyzing whether or not the prospective debtor is financed credit, this proves that the company has carried out the process credit approval in accordance with procedures established by the company. Appropriate division of tasks and segregation of functions is control internal company which is one way to minimize risk uncollectible accounts receivable. Keywords: procedures, assessment procedures Automotive.

Big five personality with fuzzy approach to feasibility assessment and loan determination for peer-to-peer lending

Bad credit is an uncollectible receivable because the debtor has difficulty repaying. In May 2023, the number of loans will increase by 3.36%. This is due to the inaccuracy of creditors in assessing prospective debtors. Several methods of valuation of prospective debtors have been widely used, but the use of the test big five personality (TBFP) method for the assessment of prospective debtors has not been found. This study will use TBFP as an input variable that will be calculated using fuzzy-Mamdani. The output of the system is in the form of a recommended percentage (%) of the loan amount. This research needs to be done to provide an assessment of prospective debtors to be more objective so that bad credit problems can be reduced. The results of this study are taken into consideration to be used as input in assessing prospective debtors that are more appropriate so that it has an impact on increasing income. For the community can increase business activities. For the government to help people’s economic activities. Our research still needs to be developed by adding variables such as the financial condition of prospective debtors, psychological values, and loan history. Apart from that, it is necessary to carry out an in-depth study regarding recommendations for loan amounts for bad credit