Credit Administration Research Articles

Joint credit system and corporate green innovation: Evidence from a quasi-natural experiment on implementing the Administration of Joint Credit

Banking institutions are crucial in providing capital to firms, making credit resources a vital requirement for enterprises' operations. How to ensure credit capital resources is imperative to consistently and proficiently facilitate firms' green innovation. Based on a sample of A-share listed companies from 2013 to 2022, this study reveals a significant enhancement of joint credit systems in corporate green innovation. The finding indicates that a joint credit system, represented by the Administration of Joint Credit, can stimulate corporate green innovation activities. This impact operates mainly through alleviating corporate financing constraints, improving management levels, and promoting real estate investment.

Mediating Effect of Human Capital on the Correlates of Corporate Governance, Credit Administration on Asset Quality: Evidence from Ghana Financial Industry

It is essential to understand the variables that affect asset quality because of their implications on the risk to financial institutions and for financial supervision and financial stability. There exist empirical studies establishing significant relationships between corporate governance and asset quality, and credit administration and asset quality. What was missing that this study investigated based on Ghanaian financial institutions was the mediating role of human capital. Based on a correlational research design and randomly selecting financial institutions and their employees as respondents. The study resulted that human capital fully and significantly mediates the relationships between corporate governance and asset quality, and credit administration and asset quality. Therefore, human capital elements of the knowledge, skills, and experience of the board members and employees are fully critical in the attainment of good asset quality. The study recommends that financial institutions must fully include the level of the human capital of their employees and board members when evaluating the factors that must exist to ensure that they have good asset quality.

A Narrative Study on Authentic Leadership and Dual Credit Administration in Texas Community Colleges

ABSTRACT Community colleges play an integral role in early access to college via dual credit programs. Dual credit programs have grown exponentially in Texas, thus warranting further investigation into how these programs are led and administered at the district level. Authentic leadership is needed to ensure programs, students, families, and faculty members achieve success. Using authentic leadership and life-stories as a conceptual framework, this study focused on three community college administrators’ narratives, approaches to interpersonal relationships, and perspectives on dual credit challenges and priorities. The findings of the study indicated community college administrators lead these programs with a variety of leadership experiences. Furthermore, they must navigate relationships with multiple key stakeholders and respond to competing demands. This study also highlights the challenges of equity, lack of administrative infrastructure, and communication and compromise. Administrators shared their priorities in being “student ready,” strategic planning, and training and professional development. This study could assist researchers, educators, and policymakers in better understanding dual credit implementation by offering insights into the necessary training needed for district-level administrators to implement a dual credit program.

Prospects and challenges of agricultural financing in Nigeria: A review

This paper examined the prospects and challenges of agricultural financing in Nigeria. It was observed that agricultural financing is all about providing services to the farmers who are traditionally not served by the conventional financial institutions. Agricultural financing holds a lot of prospects for Nigerians especially the poor as it will enable them develop their skills, engage in production and many others. Among the problems identified are access to banking services in rural communities, lack of acceptable collateral/ security, perceived high agricultural risk, lack of access to credit information, high cost of credit administration, access to market, infrastructural challenges and subsistence nature of farming. The various prospects highlighted include; economic empowerment of farmers, poverty reduction, gains from international trade, employment generations, rural development, skill development, new innovations, effective utilization of local resources and output expansion. Consequent upon the problems noted, the paper recommends that the supervisory authorities should enforce standards so as to address the issue of poor management of funds meant for credit disbursement.

MICROFINANCE LOAN ACCESSIBILITY ON MAIZE PRODUCTION PROJECT PERFORMANCE IN FARMERS’ COOPERATIVE IN RWANDA

<p>This study examined the effect of microfinance loan accessibility on maize production project performance in farmers’ cooperatives. A case of COOPAMA in Nyagatare district, Rwanda. The study used descriptive statistics and inferential statistics, both qualitative and quantitative were used to analyze the data with the assistance of SPSS software program version 25.0 descriptive statistics and inferential statistics were used to present frequencies tables, percentages, mean and standard deviation, and inferential analysis was used to use Pearson correlation and multiple regression model to test the relationship between the independent variables and dependent variable. The study used Production Theory, Game Theory of Microfinance, Adverse Selection, and Moral Hazard Theory. The effect of loan contracts for credit demand, the perceptions of loan borrowing, and the effect of the credit administration process of farmers on maize production project performance in farmers were 3.91; 4.04; and 4.07 respectively. The data of project performance was analyzed; the overall means of results was 4.14. The relationship between microfinance loan accessibility on maize production project performance in farmers’ cooperatives between loan contract, loan borrowing, and credit administration and project performance was 0.618, 0.6430, and 0.745 respectively, and the results presented that the variables were statistically significant with p value=0.000b. The results presented the variables of microfinance loan accessibility, the results credit administration process and loan contract were statistically significant with p value=0.000b, and p value=0.283b respectively and the loan borrowing was not statistically significant with p value=0.957b. It concluded that there was a significant relationship between microfinance loan accessibility and project performance.</p><p><strong>JEL:</strong> O16, Q12, Q14, C12, G21</p><p> </p><p><strong> Article visualizations:</strong></p><p><img src="/-counters-/soc/0758/a.php" alt="Hit counter" /></p>

Analisis Penggunaan Aplikasi Brimen Terhadap Kemudahan Kinerja Petugas Administrasi Kredit (ADK) PT Bank Rakyat Indonesia (PERSERO) Tbk Kantor Cabang Pasuruan

This research aims to analyze the usage of the BRIMEN application and its impact on the ease of performance of Credit Administration Officers (ADK) at the Pasuruan Branch Office of PT Bank Rakyat Indonesia (Persero) Tbk. The research method used is qualitative method with a participatory approach and descriptive research type. Data were obtained through observation, interviews, and direct documentation in the field. The results show that the BRIMEN application facilitates ADK officers in various tasks such as scanning customer documents, uploading files to the system, and archiving physical files. Although still in the refinement stage, BRIMEN provides time efficiency and flexibility for officers, who previously performed processes manually. In conclusion, BRIMEN has provided benefits in improving the work efficiency of Credit Administration Officers (ADK) at the Pasuruan Branch Office. Although further refinement is needed, this application has the potential to be continuously developed to enhance productivity and operational efficiency.

Financial Bootstrapping and Financial Literacy: The Moderating Role of Government Support on SME Performance

SMEs can support long-term, stable, and sustainable economic development. However, funding, limited information, and lengthy credit administration procedures constantly severed their expansion. Potential solutions may emerge from external funding in creative and unconventional ways through financial bootstrapping. This study analyzes the influence of financial bootstrapping and financial literacy on SME performance using P2P lending in Makassar, Indonesia, with government support as mediation. Government support as mediation is expected to provide policies that facilitate SMEs obtaining external funding through fintech P2P lending to improve SMEs' business performance. This study employs a partial-least-squared structural-equation model (PLS-SEM) for data analysis of 220 businesses. The result shows that financial literacy significantly affects SME performance. This positive effect emerges in direct or mediated relationships. Financial bootstrapping does not substantially affect SME performance. This finding signifies the lack of information regarding the myriad of funding opportunities.

Sistem Pendukung Keputusan dalam Penentuan Pemberian Pinjaman Uang Pada Anggota Swasti Sari dengan Metode Promethee

Credit Cooperative (KOPDIT) Swasti Sari is a financial institution founded in 1988 in East Nusa Tenggara. Every year, these cooperative experiences a significant development, seen from the increase in assets and the number of members who continue to grow. Determination of credit policies by cooperatives requires the formulation of standard and credit requirements that include customer character, credit payment capacity, capital capability, and guaranteed customers. Provision of appropriate credit is very important and requires effective and efficient service. However, credit administration procedures in this cooperative are still not effective and often the granting of credit is not on target. This study aims to assist cooperative managers in making decisions on loan or credit to members using the Promethee method. This method is an auto ranking method that helps decision makers analyze multicriteria problems and determine the priority of receiving loan application. The results of the study are expected to be a reference in the development of a decision support system for the determination of loans in the Swasti Sari Cooperative.

Analisis Pemberian Pembiayaan Pada PT. BPRS Al-Washliyah Medan

This study aims to determine the procedure for granting credit, as well as the obstacles that occur in collecting non-performing loans at PT. BPRS Al Washliyah Medan. The results showed that the procedure for giving credit to PT. BPRS Al Washliyah Medan has been running well such as customers applying for credit to service customers, filling out the credit application sheet (APK) then given to the credit administration. Then it is handed over to the account officer (AO). The account officer conducts interviews and surveys on the spot. After that, make a credit analysis report (LAK) to be submitted to the credit committee, then decide whether or not the credit application is accepted. The credit administration accepts credit application applications and credit analysis reports to be kept as archives. Furthermore, the credit administration makes a credit approval (SPK) of 2 sheets accompanied by the customer's signature. Sheet 1 is for credit administration and sheet 2 is for customers. Based on the approved SPK, the credit administration makes a credit agreement (PK) of 2 sheets, sheet 1 for tellers and sheet 2 for accounting. The teller notifies the customer about the binding. Furthermore, the customer provides the original guarantee, then the teller realizes and provides credit guarantee to the customer. The original collateral is handed over to the credit administration as an archive. Based on the credit agreement, accounting conducts bookkeeping and submits the credit agreement sheet to the credit administration as an archive. The credit administration received the original guarantee and credit agreement to be used as an archive of PT. BPRS Al Washliyah Medan. Problems in collecting non-performing loans at PT. BPRS Al Washliyah Medan from the banking side minsally in conducting analysis, the manager or credit department is not careful, so that what should happen, is not predicted in advance from the customer. From the customer's own side, credit congestion can occur due to two things, namely: There is an element of intentionality. In this case, the customer deliberately does not intend to pay his obligations to PT. BPRS Al Washliyah Medan, so the credit given is bad. It can be said that there is no security element to pay. The presence of an element is accidental. This means that customers want to pay but can't afford it. Example: credit financed experiencing a disaster such as fire, flood or bankruptcy. So to pay the credit does not exist.

ANALISIS PROSEDUR PENCAIRAN DAN PENCATATAN KREDIT BAGI DOSEN DAN STAF UNIVERSITAS PAMULANG PADA BPR SEHAT SEJAHTERA

Bank Perkreditan Rakyat (BPR) function as institutions that gather and channel funds to the public. They play a strategic role in supporting the implementation of national development that has an impact on improving the standard of living for the community. The objective of this research is to understand the credit disbursement procedures for lecturers and staff at Pamulang University in BPR Sehat Sejahtera and the accounting recording of credit disbursement for lecturers and staff at Pamulang University in BPR Sehat Sejahtera. This research uses a qualitative descriptive method aimed at understanding the procedures and policies for credit disbursement at BPR Sehat Sejahtera branch and the accounting recording of credit disbursement at BPR Sehat Sejahtera. Based on the research conducted at BPR Sehat Sejahtera, it is found that the credit disbursement procedures for lecturers and staff are quite good, involving several stages such as credit application, initial verification, feasibility analysis, credit committee, cash section, and credit administration. The accounting recording of credit disbursement is also generally good, but there are some aspects that need improvement, such as the calculation of interest and administrative fees

Influence of Credit Risk Management on Financial Performance of Commercial Banks in Kenya

The management of credit risk in commercial banks determines the banks' financial performance, which predominantly influences the quality of the loan portfolio and the nature of credit administration programs as a whole. By ensuring that credit risk is effectively managed, the primary objective of credit risk management is to generate a high-quality, stable, large, and growing flow of net interest income for banks. This objective is achieved by ensuring that banks can meet the needs of their customers. This study determined the effect of credit risk management on the financial performance of Kenyan commercial banks. The investigation was founded on the portfolio theory. The paradigm of Positivism served as the philosophical foundation for the investigation. The study incorporated both explanatory and longitudinal research designs into its methodology. The study's target population consisted of 32 Commercial Banks in Kenya. The study utilized panel data consisting of time series and cross-sectional data spanning a decade from 2010 to 2019. Using Eviews, descriptive and inferential statistics were used to analyze the collected data, which was then presented in tables and figures. The study found out that Credit risk management had an insignificant negative relationship with Return on Equity (ROE) (F=87.02884, p<0.05) and Return on Assets (ROA) (F=118.1208, p<0.05). Arising from the study findings, it is observed that credit risk management has a negative effect on financial performance measure either in ROA or ROE, it is recommended that commercial banks should keep this parameter as minimum as possible so as not involve in loss making undertakings.

ANALISIS YURIDIS UNDANG-UNDANG NOMOR 30 TAHUN 1999 TERHADAP PENYELESAIAN SENGKETA KREDIT PERBANKAN DI BIDANG KEPEMILIKAN RUMAH

Home Ownership Credit, known as KPR, is a banking product in credit, which is currently still regulated in Regulation Number 10 of 1998 concerning Changes to Regulation Number 7 of 1992 concerning Banking or alluded to as the Financial Regulation. In granting housing loans, creditors also sometimes find problems that there are debtors who default, resulting in bad credit. The targets of this study are: To start with, to figure out the gatherings who have privileges and commitments in the House purchasing Credit Arrangement at Bank Maybank Batam; Second, to figure out the reasons for terrible credit on contracts at Bank Maybank Batam, Third, to figure out ways of settling awful advances on contracts utilized by Bank Maybank Batam. The examination technique that specialists use in this kind of exploration is experimental juridical. The data collection technique used was in the form of direct interviews with informants from the Maybank Bank Batam Main Branch Office located in Jodoh. Furthermore, to complete the information from the informants, the researchers asked customers to provide answers to the questions given in the form of questionnaires. The research results that can be described in this paper are: First, the parties who make credit are called: debtors and creditors and they also have rights and obligations; Second, the occurrence of bad credit experienced by Bank Maybank Batam can be seen based on 2 (two) factors, namely: a. the internal factor that causes bad credit is the weak credit administration and supervisory system, b. weak bad credit information system. In addition, external factors that cause bad credit are disappointment of the indebted person's business, debacle for the debt holder or the borrower's business activities in credit settlement.
 Keywords : Banks; Credit agreement; House; Ownership Credit.

Analysis of factors affecting bad debts

The purpose of this study is to find out what factors cause bad debts. The results of this study show that from the accounts receivable report. The amount of bad debts is very high and continues to increase. The factors that cause bad debts are internal factors in the form of weak credit administration systems, weak credit supervision systems, weak credit information systems and irregularities or fraud committed during the credit implementation process. Where the rules, standards, and procedures that have been established are not carried out properly. In addition to internal factors, external factors are also the cause of the high number of bad debts, where these external factors are caused by a decline in economic conditions, business failures occupied, and partners who run away, causing the number of bad debts to be quite high.

Influence of Liquidity Risk Management on Financial Performance of Commercial Banks in Kenya

The management of liquidity risk in commercial banks determines the banks' financial performance, which predominantly influences the quality of the loan portfolio and the nature of credit administration programs as a whole. By ensuring that liquidity risk is effectively managed, the primary objective of liquidity risk management is to generate a high-quality, stable, large, and growing flow of net interest income for banks. This objective is achieved by ensuring that banks can meet the needs of their customers. This study determined the effect of liquidity risk management on the financial performance of Kenyan commercial banks. The investigation was founded on the theory of liquidity management shiftability. The paradigm of Positivism served as the philosophical foundation for the investigation. The study incorporated both explanatory and longitudinal research designs into its methodology. The study's target population consisted of 32 Commercial Banks in Kenya. The study utilized panel data consisting of time series and cross-sectional data spanning a decade from 2010 to 2019. Using Eviews, descriptive and inferential statistics were used to analyze the collected data, which was then presented in tables and figures. The study found out that Liquidity risk management had an insignificant negative relationship with ROE (F=0.583912, p<0.05) and ROA (F=2.770410, p<0.05). Arising from the study findings, it is observed that liquidity risk management has a negative effect on financial performance measure either in ROA or ROE, it is recommended that commercial banks should keep this parameter as minimum as possible so as not involve in loss making undertakings.

Submission of Guna Bhakti Credit at PT Bank BJB KCP Jalan Cagak Subang

Bank bjb is a type of commercial bank engaged in the banking sector which carries out activities to collect funds and distribute funds. Whereas banking is a financial institution that is growing rapidly in Indonesia, one of the banking activities is credit, the management of which requires credit administration procedures. The focus of this research is how the procedure is carried out in the credit granting process. In addition, to find out how to implement the theory of credit administration procedures at the bank. This study shows that the KGB credit administration procedure is in conformity between theory regarding administrative procedures and practice, it is good according to the existing Standard Operating Procedure (SOP). The procedure for applying for credit includes 9 stages, namely submitting files, investigating loan files, interview I, On The Spot, Interview II, Credit decision, Signing of the Credit Agreement, Credit Realization, and channeling and withdrawing funds. The procedure makes it easy to process each credit application so that it makes it easier for consumers to apply for credit, the time period for consumers to realize faster credit can be completed within 2 days until disbursement. For credit application procedures there are problems that must be corrected.

Influence of Credit Administration on Financial Control Among Co-Operative Thrift and Credit Societies in Ekiti State, Nigeria

This study investigated the influence of credit administration on financial control among Cooperative Thrift and Credit Society (CTCS) in Ekiti State, Nigeria. Specifically, the objectives are; to determine the extent to which creditworthiness influence the allocation of credit from cooperative thrift and credit societies in Ekiti State and to explore the extent to which credit selection risk influence usage of credit from cooperative thrift and credit societies in Ekiti State. Data used for the study were obtained using a structured questionnaire administered to 383 respondents who were members of the cooperative thrift and credit society in Ekiti north senatorial district, Ekiti State. A stratified sampling technique was employed in selecting the participating members from each of the local governments and data was analysed. Primary and Secondary data are used. To achieve the stated objectives, t-test and linear regression analyses were adopted to measure the effect of the variations of the independent variable (creditworthiness and credit selection) on the dependent variable (financial control of credit thrift cooperative society). Findings reveal that the t-calculated value of 2.3345 and the p-value of 0.020 implies that creditworthiness has a significant effect on the allocation of credit among Cooperative Thrift and Credit Societies in Ekiti, also with a t-value of 4.0469 and an associated p-value of 0.000. There is a significant influence of credit selection on the usage of funds from CTCS in Ekiti State. Thus, the study concluded that credit administration has a significant effect on financial control among Cooperative Thrift and Credit Society in Ekiti State, Nigeria. It is recommended that CTCS need to disburse credit or loans to members based on their needs and usage of the funds, especially for viable and worthwhile projects.

ANALISIS PENGENDALIAN PIUTANG TERHADAP RISIKO PIUTANG TAK TERTAGIH PADA PT.TRI SAPTA JAYA SIBOLGA

Trade receivables represent bills arising from the sale of merchandise or services on credit. Trade receivables are usually given by sales to buyers on the basis of trust, without being accompanied by a written agreement, except for certain customers such as sub-distributors. The impact of uncollectible accounts is that it causes a risk of decreasing company profitability, which in turn can cause losses for the company. Uncollectible receivables are debts owed by other parties for a business transaction. The type of research used in this study is a qualitative descriptive research method, using secondary data collected through the process of observation, interviews and documentation at PT. Tri Sapta Jaya Sibolga. The following data analysis techniques used are data reduction, data presentation, drawing conclusions and triangulation. In the results of interviews with PT. Tri Sapta Jaya Sibolga concluded that the amount of uncollectible accounts based on the age of the receivables obtained the value of uncollectible receivables as being 1-30 days old, which means current, 31-60 days meaning substandard, 91-180 days meaning doubtful, and 181-365 days means uncollectible, where in 2017 the condition of uncollectible receivables was 9,605,854,106, in 2018 it was 12,002,571,945, in 2019 it was 17,345,325,639, in 2020 it was 8,349,776,069 and in 2021 it was 8,638,971,561.56 The results of the study show that the cause of receivables is the weak credit administration and control system that occurs because creditors do not implement the system based on predetermined procedures.

Effectiveness of Credit Management Policies as a Treasury Management Tool in Enhancing Financial Performance: The Case of Colcom Pvt Ltd. 2015-2019

This study evaluated the viability of credit arrangement policies in enhancing financial performance of firms. The purpose of the study was to evaluate amongst other things, the effects of money receipting framework on monetary execution and the effects of enthusiasm on past due records. A logical exploration configuration was utilized in this investigation just as a multivariate relapse investigation was directed to decide the coefficients of the factors. The study adopted a quantitative research methodology and data was collected using a questionnaire. Judgemental inspecting method was utilized on a sample size of 11 representatives out of a whole populace of 20 workers. In addition, two top administration representatives were met for information sharing. The results indicated that the current credit administration strategies of Colcom Ltd were not completely executed and furthermore, they positively affected financial execution. The study concluded that credit arrangements had the best effect on budgetary execution, followed by some factors such as the economic instability and political interventions. This study recommends the full implementation of the current credit management policies, regular training of credit officers and to practice scientific credit control (application of risk evaluation techniques). This would improve their efficiency in credit analysis and customer analysis management to secure as much as possible their assets, and reduce the high chances of turning into credit losses and their negative effects on good financial performance.

Analysis of The Influence of Effectiveness, Reliability and Competence on The Performance of The Central Legal and Credit Administration Sistem with Organizational Culture as A Moderating Variable

This study aims to analyze how the influence of effectiveness, reliability, competence on the performance of the Central Legal and Credit Administration (CLCA) which is moderated by organizational culture. The approach used is quantitative research. The sample in this study were employees who were directly related to the CLCA system with a total sample of 93 participants. The instrument used to obtain data is a questionnaire with a Likert scale. Data analysis and testing were carried out using moderated regression which was processed using SPPS software version 25. The test results proved that effectiveness and competence did not have a positive and significant effect on the performance of the CLCA system, while reliability and organizational culture had a positive and significant effect on the performance of the CLCA system. Effectiveness and competence on the performance of the CLCA system moderated by Organizational Culture had a positive and significant effect, while reliability on the performance of the CLCA system moderated by Organizational Culture had a negative and significant effect. The effectiveness, reliability, competence, and organizational culture simultaneously have a positive and significant effect on the performance of the CLCA system.

Financial Intermediation and The Nigerian Economy (1986-2020)

This study examined the effect of financial intermediation on the Nigerian economy for the period 1986 to 2020. The objective was to probe the effect of Money Supply, Private Sector Credit, Lending Rate, and Gross National Savings on Real Gross Domestic Product in Nigeria over the period. The data analyzed was gotten from the 2019 Central Bank of Nigeria’s annual issue of the Statistical Bulletin and the 2019 issue of the world development indicators (WDI). ARDL bound cointegration test revealed a long run relationship between the explained and the explanatory variables. The adjustment coefficient CointEq(-1) showed that any initial distortions in the economy will attempt to adjust to the state of equilibrium at the rate of 88 % per annum. ARDL analysis indicated the effect of Money Supply on real GDP of Nigeria is positive and significant, Private Sector Credit and Lending Rate respectively have negative and significant effects, while Gross National Savings had a negative, but insignificant effect. The study concluded that although financial intermediation has a strong effect on Real GDP of Nigeria over the period, the process is highly flawed; and recommended stringent measures to further supervise bank credit administration if positive results must be achieved. Keywords: Financial Intermediation, Real GDP, Money Supply, Private sector credit, Lending rate, National Savings. JEL Classification Codes: E4, G2, O47 DOI: 10.7176/RJFA/13-12-05 Publication date: June 30 th 2022