Credit Variables Research Articles

Prediction of Technical Efficiency of Aman Rice Farms in Satkhira District of Bangladesh: A Stochastic Frontier Approach

This paper aimed to assess the technical efficiency (TE) of aman rice farms and analyzed the major factors affecting inefficiency of aman rice farms. In doing so, a multistage random sampling method was used to collect primary data from a survey of 455 rice farmers between May and June in 2023 in Kaligonj sub-district of Satkhira district. Stochastic frontier approach (SFA) was employed to predict the efficiency of aman rice farms while the Tobit model was used to identify the factors that influence technical inefficiency. The findings of TE ranged from 0.98 to 0.51 with an average score of 0.8469. Technical inefficiency is largely affected by years of schooling, household size, salinity of land, agriculture policy and access to credit variables. The policy implications of this finding is that the government might provide the agricultural extension network so that the extension agent can better engage with targeted farmers rather than just recommendations. International Journal of Statistical Sciences, Vol. 24(2), November, 2024, pp 97-108

Analysis of the Effect of Sharia Bank Financing and Investment on Economic Growth through Micro, Small and Medium Enterprises (MSMEs) Credit

This study seeks to examine the impact of sharia bank financing and investment on economic growth in Indonesia by analyzing lending to micro, small, and medium companies (MSMEs) utilizing time series data. This research characterizes economic growth through the Gross Regional Domestic Product (GRDP) for each province in Indonesia. This study utilizes secondary data from 2011 to 2022 sourced from BPS, OJK, and Bank Indonesia, analyzed using the Path Application. This report assesses the direct and indirect funding of Islamic banks and their involvement in economic growth via Micro, Small, and Medium Enterprises (MSME) credit. The research findings indicate that the Islamic bank funding variable does not significantly influence the MSME credit variable; nevertheless, the investment variable does have a substantial impact on the Micro, Small, and Medium Enterprises (MSME) credit variable.

Analisis Kredit dan Kredit Macet terhadap Bunga pada Bank Perkreditan Rakyat

This research aims to analyze Loans and Bad Credit on Interest at Rural Banks. By using descriptive quantitative methods, it is hoped that this research will be able to answer the objectives and have benefits for future users of this research. Sampling is carried out using probability sampling techniques which provide equal opportunities for each member of the selected population. In this technique, sampling is carried out randomly according to proportions. So the number of samples in this research is the number of Rural Banks in the DKI Jakarta province and Banten province of 79 units. The research results show the influence of each variable, namely the bad credit variable does not have a significant influence on the interest variable, while the credit variable does not have any effect on bad credit, so the customer's understanding of large and small loans will not affect the condition of bad credit received while the interest charged to Borrowers are not the main factor in bad credit. Simultaneously the effect of the Bad Credit variable has no significant effect on Interest and the Credit variable has no significant effect on Interest. Then partially the variable Credit, Bad Credit has a significant effect on Interest. Based on qualitative analysis, the results show that people tend not to borrow at Rural Credit Banks due to knowledge, both interest, processes and the profits they can get when making transactions at Rural Credit Banks.

ANALISIS PENGARUH INTERMEDIASI DAN INKLUSI KEUANGAN TERHADAP STABILITAS SISTEM KEUANGAN DI INDONESIA

This study aims to determine how intermediation and financial inclusion affect financial system stability. Financial system stability is an important issue for the country's economy. In this case, financial inclusion and the role of intermediation have emerged as important components that can affect stability. The method used in this study is multiple linear regression method to see how third party funds, lending, number of accounts and number of ATMs affect financial system stability. Based on the findings in this study that intermediation consisting of third party fund variables has a significant negative effect on financial system stability and credit variables have a significant positive effect on financial system stability as proxied by the financial system stability index, meaning that credit that is not accompanied by proper supervision and regulation will potentially cause instability in the financial system and financial inclusion consisting of variables number of accounts and number of ATMs has a significant negative effect on financial system stability as proxied by the financial system stability index.

The Existence Of Gold Prices As A Mediating Factor In Banking Sector Profits

The main activities carried out by banks aim to increase equitable distribution of economic growth and maintain national stability towards increasing prosperity. Strict regulations in the banking industry require the banking industry to improve its performance, including in the aspect of achieving profits. Achieving this profit can be improved by analyzing the factors that shape profilability. The aim of the research is to find out how the role of the amount of deposits and credit mediates the influence of gold prices on return on assets. The results of this research show that individual testing to determine the determinants of savings shows that prices have a positive and significant influence while the determinants of credit, savings have a significant positive influence. Factors forming return on assets, savings and credit, have a significant positive influence on return on assets, while the price of gold has a significant negative influence. In the analysis test, the savings channel variable was able to mediate (parcel mediation) the effect of gold prices on return on assets as well as credit also showed its ability to mediate (parcel mediation) the effect of savings on return on assets. However, if you look at the VAF value, the credit variable has a better level of mediation compared to savings, so that for state-owned banks to increase return on assets it will be easier if they channel savings in the form of credit.

The finance and growth nexus revisited: a truly Schumpeterian perspective

Abstract The nexus between the financial system and economic development is an issue that is as important for economic theory as it is for economic policy. This article provides a theoretical and empirical analysis of the standard literature that uses Joseph A. Schumpeter as an academic patron. The starting point of our study is the theoretical finding that Schumpeter is misinterpreted in the finance and growth literature. We show that this leads to puzzling empirical results and difficulties in explaining even fundamental relationships. After a critical analysis of the literature, we provide our own empirical analysis using a panel of 43 countries to explore the relationships between finance and growth variables based on a truly Schumpeterian and thus monetary growth model. Our empirical analysis shows that (i) dynamic credit variables are better at describing the finance and growth nexus than static credit variables, (ii) as saving is not a prerequisite for credit, we do not find a statistically significant relationship between household saving and gross domestic product (GDP) growth, and (iii) in line with the empirical literature, we find a bi-directional relationship between credit and GDP growth.

The Role of Inflation and The Performance of Rural Banks on Indonesia’s Economic Growth

The Role of Inflation and The Performance of Rural Banks on Indonesia’s Economic Growth

The Effect Of People's Bussines Credit (KUR) PT. Papua Regional Development Bank Sentani BranchToward Micro Small And Medium Enterprises (MSMEs) In Jayapura District

This study aims to determine the effect of People's Business Credit assistance and the increase in income on MSMEs. This research is quantitative research. The number of samples is 32 MSMEs that take KUR at Bank Papua Sentani Branch. The analytical tools used in this study are data quality tests and simple regression analysis. From the linear regression function above, it can be explained that the Constant Value (a) has a positive value of 15.039 and the regression coefficient value for the People's Business Credit variable has a positive value of 0.606. Obtained t table of 2.04227. And t count 3.054 >2.04227 t table based on the independent variable People's Business Credit has a positive effect on the dependent variable MSMEs income. Judging from the significance of 0.005 it is <0.05 for the People's Business Credit variable. Therefore, the independent variable of People's Business Credit has a positive effect on the dependent variable MSMEs income. Thus, it can be concluded that People's Business Credit obtained from the Sentani Branch of Bank Papua is influential on the income of MSMEs in Jayapura Regency. The income of MSMEs in Jayapura Regency has increased and able to develop their businesses after using the credit.

Adoption of drought tolerant maize varieties and farmers’ access to credit in Nigeria: Implications on productivity

In this study, we examined the determinants of choice of variety including DTMV, local variety and combination of the two varieties using multivariate probit model. In addition, we examined factors influencing adoption of DTMV and access to credit among the maize farmers using endogenous switching probit model (ESPM). Consequently, we ascertained the probable effects of adoption of DTMV on maize productivity using endogenous switching regression model (ESRM). We used IPWRA to correct for biased estimates of ATT, ATE and POM of the endogenous treatment. Our results are in four folds: First, from the multivariate probit model, we found that age, gender, household size, farming experience, membership in farmers association, access to extension contacts, location and access to credit variables influenced the maize farmers’ decision to choose between DTMV, local varieties and combination of both. Second, the result of the ESPM shows that variables age, gender, farm size, years of formal education and membership in association affects maize farmers’ access to credit. Third, from ESRM results, we found that gender, household size, marital status, membership in association, access to extension contacts and location variables translates to increase maize productivity for the maize farmers who adopted DTMV. Lastly, the result of IPWRA indicates that adoption of DTMV increased the productivity of the maize farmers. To ensure access to DTMV seed varieties, stakeholders and government should take lead in dissemination of these varieties to reach the target farmers.

The Effect of Providing People’s Business Credit (KUR) on Increasing MSME Income in Praya Tengah District, Central Lombok Regency

This research aims to determine the effect of providing People’s Business Credit (KUR) on increasing MSME income in Praya Tengah District, Central Lombok Regency. This research uses Stakeholder Theory and Agency Theory. This research uses primary data with quantitative methods. The population in this research is MSMEs that took credit at PNM Mekaar Central Praya Branch for the 2021-2022 period, totaling 441 MSMEs and a sample of 86 MSMEs was obtained. The sampling technique uses a purposive sampling technique with a data collection method, namely a questionnaire. Data analysis technique in research use descriptive statistics and simple linier regression analysis. The research results show that the People’s Business Credit (KUR) variable has an effect on inncreasing MSME income.

The Relationship Between Consumer Lending and Economic Growth in Terms of Credit Impulse and Credit Variables

Tüketici kredileri ekonomide önemli bir ivme yaratarak ekonomik büyümede itici bir rol oynamaktadır. Bu çerçevede çalışmanın amacı Türkiye’de 2006Q1-2020Q2 dönemleri arasında ekonomik büyüme ve tüketici kredileri arasındaki ilişkiyi incelemektir. Çalışmada büyüme değişkeni olarak mevsim ve takvim etkisinden arındırılmış harcamalar yöntemiyle zincirlenmiş gayrisafi yurt içi hasıla değişim oranı, kredi değişkeni olarak hacim ve tutar değişkenleri ile Biggs vd. (2009) tarafından literatüre kazandırılan kredi ivmesi (kredi akımlarında meydana gelen değişimlerin ekonomik büyümeye olan oranı) değişkeni kullanılmıştır. Literatürde yer alan kredi ivmesine ek olarak iki kredi ivmesi modeli daha geliştirilmiş ve bu modeller de analize dahil edilmiştir. Analizde değişkenlere ADF, Phillips-Perron, KPSS ve Fourier KPSS birim kök testleri uygulanmıştır. Değişkenler arasındaki nedensellik ilişkisi Fourier Granger nedensellik ve Toda Yamamoto nedensellik testi ile incelenmiştir. Fourier Granger nedensellik testi sonuçlarına göre tüketici kredisi hacmi ve yıllık reel hacim ve GSYH verileri ile hesaplanan tüketici kredisi ivmesi ekonomik büyümenin nedenidir. Toda Yamamoto nedensellik testi sonuçlarına göre ise tüketici kredisi kullandırım tutarı ve yıllık reel hacim ve GSYH verileri ile hesaplanan tüketici kredisi ivmesi ekonomik büyümenin nedenidir.

AN INSPECTION OF THE RELATIONSHIP BETWEEN THE INSURANCE AND BANKING SECTORS IN TÜRKİYE: A TIME-VARYING ASYMMETRIC CAUSAL RELATIONSHIP

Using yearly data from the Turkish insurance and banking sectors, the current research investigates the relationship between the insurance and banking sectors for the years 1983 to 2020. In contrast to earlier studies in the literature, the time-varying asymmetric causality test was implemented to see how the variables were linked within the different sub-periods. According to the asymmetric Hatemi-j (2012) causality test, it has been discovered that there exists a bidirectional causality between both positive and negative shocks of the total insurance density (TID), broad money supply (BRM) and private sector credit (PSC) variables. Time-Varying test results have shown that there is an asymmetric causality relationship between the data for only a short period and this causality relationship is not permanent.

Sustainable finance: The role of savings and credit cooperatives in Ecuador

AbstractThe current world situation leads us to consider that sustainable development needs to be a global priority to ensure the future of the planet and improve the quality of life. There is a need for sustainable finance to support this. Savings and credit cooperatives could help to achieve this impact as they serve the microfinance and microlending market. They facilitate the financial inclusion of the most vulnerable people, most of whom live in rural areas and are members of organizations, such as agricultural cooperatives and associations. Previous studies have focused exclusively on overall profitability, so this paper contributes to extending the literature by analyzing the whole population of savings and credit cooperatives in Ecuador (510 institutions), focusing on their profitability in two ways: the overall profitability necessary for the viability of the business and, in addition, the microcredit portfolio profitability, as a specific measure of its contribution to sustainability and social value creation. Another novelty is that the analysis has been carried out using several machine learning techniques for the wider generalization of the results. These show that size is the most relevant variable for predicting the ROE and that the microcredit portfolio profitability is conditioned by the credit variables.

ANALISIS FAKTOR-FAKTOR PENYEBAB KREDIT MACET PADA PT. PEGADAIAN PERSERO SUMBAWA BESAR

This study aims to examine the influence of the factors that cause bad credit at PT. Pegadaian Persero Sumbawa Besar consisting of education, employment and income. This research uses associative method. The type of data used is quantitative data in the form of the results of research respondents' answers which are scored (scoring) which are obtained directly through distributing questionnaires. The respondents of this research are all customers of PT. Pegadaian Persero Sumbawa Besar totaling 30 people. All data that has been collected will be processed using the SPSS program to be studied using techniques which include multiple linear regression analysis, individual parameter hypothesis testing (t test), simultaneous parameter hypothesis testing (F test), and determinant coefficient test (R2). The results of this study indicate that partially education and employment have no effect on bad loans at PT. Pegadaian Persero Sumbawa Besar, while income partially has a negative and significant effect on bad loans at PT. Pawnshop Persero Sumbawa Besar. Simultaneously education, employment and income have a significant effect on bad loans at PT. Pawnshop Persero Sumbawa Besar. The ability of the variables of education, employment and income to variations in bad credit variables at PT. Pegadaian Persero Sumbawa Besar is 25.3%, while the remaining 74.7% is influenced by other variables not examined, such as character, interest rates, economic conditions, and others.

The Effect of Non-Performing Loans (NPL) to the Bank Profitability During the Covid-19 Pandemic (Case Study of Buku III Bank in Indonesia)

Bank is a financial institution that functions as a liaison between parties who have excess funds and those who need funds. In creating bank health, it is measured by profitability indicators to see the ability to increase profits, measure effectiveness and efficiency in management. Its profitability can be seen from the value of ROA (Return On Assets) and ROE (Return On Equity). The banking industry has problems in bad debtors which can be seen from the value of NPL (Non-Performing Loan) and this is exacerbated by special conditions that have occurred in recent years, namely the Covid-19 pandemic. So it is necessary to see how the effect of non-performing loans on bank profitability during the Covid-19 pandemic and this study conducted a case study on Buku III banks in Indonesia represented by 7 banks that reported financial data from 2019-2021, namely Bank HSBC Indonesia, Bank Tabungan Negara, Bank DBS Indonesia, Bank Permata, Bank Mega, Bank DKI, and Maybank Indonesia. The results show that the results of the analysis using SPSS version 25, partially non-performing loans represented with NPLs have no effect on the profitability of banks represented with ROA and ROE. Meanwhile, the same condition occurs in the results of the analysis test simultaneously or together with non-performing credit variables, namely NPLs, do not affect bank profitability, namely ROA and ROE.

MEMBER SAVINGS AND NON-PERFORMING LOANS' EFFECT ON BUSINESS CAPITAL PERFORMANCE

This study aims to determine the effect of members' savings and non-performing loans on the performance of business capital at KSP Kopdit Pelangi Kasih Bandung. This research uses descriptive research method.And.verification with a quantitative approach. The objects in this study were members of the Kopdit Pelangi Kasih Bandung Savings and Loan Cooperative (KSP) with a total sample of 97 people. The sampling technique used in this research is nonprobability sampling method with purposive sampling technique. Statistical analysis of the data used in this study was multiple linear regression analysis using IBM SPSS statistics 24. The results of the study found that members' savings, non-performing loans and working capital performance at KSP Kopdit Pelangi Kasih Bandung were good. There is a significant influence between members' savings and non-performing loans simultaneously on the performance of working capital at KSP Kopdit Pelangi Kasih Bandung. There is a significant influence between member savings partially on the performance of working capital at KSP Kopdit Pelangi Kasih Bandung. Non-performing loans have no significant effect on the performance of working capital at KSP Kopdit Pelangi Kasih Bandung simultaneously. Therefore this can be used by the cooperative as an evaluation material for the performance results so that it can be taken into consideration for making decisions in improving the performance of venture capital in cooperatives. This research is different from other researchers because there are no other researchers who have examined specifically members' savings and problem loans on business capital performance at KSP Kopdit Pelangi Kasih Bandung, besides that indicators of member savings variables have a greater value and influence than problem credit variables

A Comparative Analysis of Credit Performance Between Nabil Bank Limited and Nepal Bank Lim

This study conducts a comprehensive comparison of the credit performance of NABIL Bank Limited and Nepal Bank Limited, with a focus on analyzing the impact of specific credit variables on their profitability. The research uses financial instruments to enhance the effectiveness and educational value of the investigation. Through descriptive and analytical research, the study examines how credit-specific factors influence the profitability of both banks. The study utilizes various quantitative factors, including Return on Assets (ROA), Return on Equity (ROE), Loan and Advance to Total Deposit, Loan Loss Provision to Loan and Advance, Non-Performing Loan to Loan and Advance (NPLLA), and Loan Loss Provision to Non-Performing Loan (LLPNPL). It employs correlation and linear multiple regression analysis on secondary data spanning a ten-year period from 2010/11 to 2019/20. The significance of these relationships is tested at a 95% level of significance. The findings reveal that the variables used in the study are more effective in explaining the ROA for NABIL Bank Limited compared to Nepal Bank Limited, as indicated by the higher R2 value for NABIL Bank Limited. Notably, NPLA and LLPNPL have the most positive impact on NABIL Bank Limited's ROA, even though they are statistically insignificant at the 5% level. Conversely, LLPLA and LLPNPL have the most negative impact on the profitability of Nepal Bank Limited, but they also show insignificance at the 5% level of significance.

Will Demographic Changes Affect Monetary Policy with Interest Rate Shocks in Indonesia?

Changes in the demographic structure and its impact on the economy are becoming interesting issues in almost all countries in the world, including Indonesia. Until 2030, the working age group dominates almost 60 percent of the total population in Indonesia. This phenomenon is a valuable asset which should be used optimally. Moderate adjustment of interest rate policy is an effort applied by Bank Indonesia to maximize the access to credit and public savings. Therefore, this study aims to determine the effect of demographic aspects and the real sector on the effectiveness of monetary policy in the presence of interest rate shocks. This study employed time series data with a time period of 1987Q1 – 2020Q4 in Indonesia. The analysis was performed by using time varying parameter-vector autoregressive (TVP-VAR) and fully modified-ordinary least square (FM-OLS). The results revealed that the population and the elderly population aspects had significant positive effects on the monetary policy, while the variable of productive age and the number of dependence aspects has significant negative effects. The relationship between the real sector and the monetary policy has a different relationship, such as a positive relationship between the savings and technology variables and the domestic credit variable which has a significant negative relationship with the monetary policy.

PENGARUH JUMLAH KREDIT DAN LIKUIDITAS TERHADAP TINGKAT PROFITABILITAS

This study aimed to determine the effect of the amount of credit and liquidity on the level of profitability of the Kembang Ende Savings and Loans Cooperative. The population of this study is the overall financial statements, balance sheets, and statistical data in the Kembang Ende Savings and Loans Cooperative. Based on the purposive sampling method, this study used samples of financial statements, balance sheets, and statistical data in the Kembang Ende Savings and Loans Cooperative from 2016 to 2020. The results of this study (1) the number of credits affects profitability, this is evidenced by the value of t count variable number of credits > t table (5.737> 4.303) with a significance value of t count of 0.029 < 0.05. (2) liquidity does not affect profitability, this is evidenced by the t value of the liquidity variable < t table (3.389<4.303) with a significance value of 0.077>0.05. The influence of the number of credit variables on profitability is 93.6%, while the remaining 16.4% is influenced by other variables that are not included in this research model.

Analisis peran kredit investasi terhadap pertumbuhan ekonomi di Indonesia

This study aims to analyze the role of investment credit in banking on economic growth. This study uses several variables, such as: investment credit, inflation, human development index, and central bank interest rates. The time span used in this study is thirty-one years from 1990-2020. This study uses quantitative methods. Based on the results of data analysis, it is concluded that the inflation variable, human development index, and the central bank interest rate together have a significant effect on the economic growth variable, while the investment credit variable has no significant effect on the economic growth variable. The coefficient of determination (adjusted R2) shows that the effect of investment credit, inflation, development index and central bank interest rate in explaining the role of investment credit is 0.8140, while the remaining 18.60% is affected by other variables not included in the study.