scholarly journals Penyaluran Kredit Bank Umum di Indonesia Ditinjau dari Risiko Kredit dengan Profitabilitas Sebagai Mediasi

2021 ◽  
Vol 2 (2) ◽  
pp. 149-160
Author(s):  
Raden Bagus Faizal Irany Sidharta ◽  
Abdurrahman Abdurrahman ◽  
Isra Dewi Kuntary Ibrahim
Keyword(s):  
Credit Risk ◽  
Path Analysis ◽  
Commercial Banking ◽  
Credit Allocation ◽  
Empirical Results ◽  
Negative Effect

This research was aimed at finding to analyze the effect of credit risk on profitability, to analyze the effect of credit risk on credit allocation, to analyze the effect of profitability on credit allocation at commercial banking in Indonesia. The method of analyze was path analysis by smart PLS. Our empirical results showed that credit risk had a negative and significant effect to profitability, credit risk did not have significant effect to credit allocation, profitability had a positive significant effect to credit allocation and also credit risk had a negative effect on credit allocation through profitability at commercial banking in Indonesia

Relevant Factors in Increasing School Principals' Entrepreneurship for Improving Students 'Achievements

2020 ◽  
Vol 11 (1) ◽  
pp. 75-75
Author(s):  
Bambang Ismanto ◽  
Lasmono Tri Sunaryanto ◽  
Gatot Sasongko
Keyword(s):  
Path Analysis ◽  
Learning Methods ◽  
Creative Behavior ◽  
Central Java ◽  
Negative Effect ◽  
Rank And Tenure ◽  
Use Of Social Media ◽  
Improving Student Achievement ◽  
Positive Effect

Entrepreneurship of principals in the educational environment to enhance students' creative behavior and achievements through innovation and the development of learning methods is very important. The principal has the task of managing resources and taking advantage of opportunities in improving the quality of education. This study aims to discuss the significant variables in increasing entrepreneurship principals. The study uses a quantitative approach with path analysis. The research sample was 334 Principals of Kindergarten, Elementary, Middle and High Schools in Central Java Province. Data collection was carried out by studying documentation and questionnaires. Data analysis was performed by path analysis with the AMOS program. The results showed that the rank and tenure as a teacher had a positive and significant effect on the tenure as a principal. While the use of social media has a significant negative effect. Of the various independent variables observed, only the existence of opportunities that had a significant positive effect on the ability of innovation of the principal. While the variables that significantly influence the development of learning methods are the ability of innovation and the presence of opportunities. The development of learning methods and the existence of opportunities will subsequently have a positive effect on improving student achievement, as the ultimate goal of developing entrepreneurship by the principal. Pathways to improve the entrepreneurship of principals are the existence of opportunities, tenure as principal, innovation and the development of instructional media. Keywords: Entrepreneurship, Principal, Inovation. Creativity,

CREDIT RISK AND COMMERCIAL BANKS’ PERFORMANCE IN NIGERIA: A PANEL MODEL APPROACH

2012 ◽  
Vol 02 (02) ◽  
pp. 31-38 ◽  
Author(s):  
KOLAPO T. Funso ◽  
AYENI R. Kolade ◽  
OKE M. Ojo
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Commercial Banking ◽  
Loan Loss ◽  
Return On Assets ◽  
Cross Sectional ◽  
Loan Loss Provision ◽  
Panel Model ◽  
Percent Increase ◽  
Credit Analysis

The study carried out an empirical investigation into the quantitative effect of credit risk on the performance of commercial banks in Nigeria over the period of 11 years (2000-2010). Five commercial banking firms were selected on a cross sectional basis for eleven years. The traditional profit theory was employed to formulate profit, measured by Return on Asset (ROA), as a function of the ratio of Non-performing loan to loan & Advances (NPL/LA), ratio of Total loan & Advances to Total deposit (LA/TD) and the ratio of loan loss provision to classified loans (LLP/CL) as measures of credit risk. Panel model analysis was used to estimate the determinants of the profit function. The results showed that the effect of credit risk on bank performance measured by the Return on Assets of banks is cross-sectional invariant. That is the effect is similar across banks in Nigeria, though the degree to which individual banks are affected is not captured by the method of analysis employed in the study. A 100 percent increase in non-performing loan reduces profitability (ROA) by about 6.2 percent, a 100 percent increase in loan loss provision also reduces profitability by about 0.65percent while a 100 percent increase in total loan and advances increase profitability by about 9.6 percent. Based on our findings, it is recommended that banks in Nigeria should enhance their capacity in credit analysis and loan administration while the regulatory authority should pay more attention to banks’ compliance to relevant provisions of the Bank and other Financial Institutions Act (1999) and prudential guidelines.

The impact of credit risk on the financial stability of commercial banks in Vietnam

2021 ◽  
Vol 11 (2) ◽  
pp. 67-80
Author(s):  
Nguyen Quoc Anh ◽  
Duong Nguyen Thanh Phuong
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Financial Stability ◽  
Dynamic Panel Data ◽  
Z Score ◽  
Return On Equity ◽  
Score Analysis ◽  
Negative Effect ◽  
The Difference ◽  
The Impact

This study investigates the impact of credit risk on the financial stability of Vietnamese commercial banks. The paper uses the Z-score to proxy the financial stability of banks. We use the data of 27 Vietnamese commercial banks on BankScope, during 2010 - 2019. The paper applied a dynamic panel data approach; the selected method is the difference GMM (DGMM). The key question discussed is which factor impacts on Z-score. Analysis results show the negative effect of non-performing loans on the financial stability of banks. When commercial banks have higher non-performing loans, the lower the financial stability is. Additionally, bank-specific variables such as equity on asset ratio, the return on equity, the size of the bank and set of macroeconomic variables affect the bank’s financial stability. Based on the analysis results, we imply relevant policies for the State Bank of Vietnam and commercial banks.

scholarly journals Does Banking Management Affect Credit Risk? Evidence from the Indian Banking System

2018 ◽  
Vol 6 (3) ◽  
pp. 67 ◽  
Author(s):  
Laxmi Koju ◽  
Ram Koju ◽  
Shouyang Wang
Keyword(s):  
Credit Risk ◽  
Default Risk ◽  
Banking System ◽  
Capital Requirements ◽  
Operating Efficiency ◽  
Investment Strategies ◽  
Empirical Results ◽  
Bank Managers ◽  
Credit Standards ◽  
The Impact

This study investigated the impact of banking management on credit risk using a sample of Indian commercial banks. The study employed dynamic panel estimations to evaluate the link between banking management variables and credit risk. The empirical results show that an increase in loan portion over total assets does not necessarily increase problem loans. The findings suggest that high capital requirements and large bank size do not reduce default risk, whereas high profitability and strong income diversification policies lower the likelihood of default risk. The overall empirical results supported the “operating efficiency”, “diversification” and “too big to fail” hypotheses, confirming that credit quality in the banking industry is mainly driven by profitability, banking supervision, high credit standards and strong investment strategies. The findings are relevant to bank managers, investors and bank regulators, in formulating effective credit policies and investment strategies.

scholarly journals ANALISIS LIQUIDITY CREATION PADA PERBANKAN DI INDONESIA TAHUN 2007-2013 (STUDI KASUS PADA 10 BANK BESAR DI INDONESIA TAHUN 2013)

2016 ◽  
Vol 12 (1) ◽  
pp. 76
Author(s):  
Muhammad Mirajudin ◽  
Prasetiono Prasetiono
Keyword(s):  
Credit Risk ◽  
Commercial Bank ◽  
Banking Industry ◽  
Third Party ◽  
Bank Credit ◽  
Bank Capital ◽  
Banking Supervision ◽  
Earnings Volatility ◽  
Negative Effect ◽  
Income Instability

Problems related to banking in Indonesia today is the problem of liquidity. It is shownfrom a commercial bank credit grew 23.03% but not matched by growth in depositswhich only reached 16.56% in 2012 (Report of Banking Supervision, 2012). Therefore,this study aims to determine the liquidity creation in Indonesia as well as to analyze theinfluence of bank capital, credit risk and income instability towards liquidity creation.The samples includes 10 major banks in Indonesia with total assets of more thanRp120billion in 2013. The reason for choosing this sample because of the 10 largestbanks reflects the state of the banks in Indonesia which accounted for 65.2% of totalassets, 65.6% of total loans, and 66% of total deposits or deposits in the banking industry(PEFINDO, 2014). The results of this research note that the bank's capital and earningsvolatility is significant negative effect on liquidity creation. While the credit risk of anegative but insignificant effect on liquidity creation. In the determination coefficient testshowed that 43.6% dependent variable is the liquidity creation can be explained by theindependent variable is the capital of banks, credit risk and earnings volatility. While56.4% is explained by other variables outside the model of this study.Keywords: liquidity creation, capital of banks, credit risk, third-party funds, banks inIndonesia.

scholarly journals Correlations and path analysis for quantitative characteristics in semi-prostrate cowpea bean genotypes (Vigna unguiculata (L.) Walp)

2020 ◽  
Vol 14 (2) ◽  
pp. 216-223
Author(s):  
Hermes Araméndiz-Tatis ◽  
Miguel Espitia-Camacho ◽  
Carlos Cardona-Ayala
Keyword(s):  
Grain Yield ◽  
Path Analysis ◽  
Low Income ◽  
Positive Impact ◽  
Caribbean Region ◽  
Environment Interaction ◽  
Cowpea Cultivars ◽  
Quantitative Characters ◽  
Negative Effect ◽  
Positive Direct

The cowpea is the most important legume in the Colombian Caribbean, due to its positive impact on the food and nutritional security of low-income rural families. It is cultivated by small producers, but its yields per hectare do not exceed 600 kg, due to the use of obsolete cultivars. The objective of the research was to estimate the correlations between seven quantitative characters and the path analysis between grain yield and six quantitative characters, with the results of the evaluation of 10 genotypes of semi-prostrate growth habit, high grain yield, grown in eight environments of the humid and dry tropics of the Colombian Caribbean region, under the randomized complete blocks design, with four repetitions. Significant differences between environments, genotypes and genotype x environment interaction were detected. Genotypic correlations were of greater magnitude than phenotypic, highlighting the correlation between grain width (GW) and grain yield (GY), rP = 0.69 *, rG = 0.78 *, also between the weight of 100 seeds (100SW) and GW, rP = 0.97 **, rG = 0.99 **. The characters GW and number of pods per plant (NPP) had positive direct effects on the GY, with an indirect negative effect of NPP by way of GW, while the height of the first pod (HFP), the number of seeds per pod (NSP) and the 100SW directly and negatively influenced the GY of the 10 semi-prostrate cowpea cultivars.

scholarly journals The impact of risk factors on the financial performance of the commercial banking sector in Barbados

2018 ◽  
Vol 7 (1) ◽  
pp. 76-93 ◽  
Author(s):  
Anthony Wood ◽  
Shanise McConney
Keyword(s):  
Risk Factors ◽  
Credit Risk ◽  
Financial Performance ◽  
Banking Sector ◽  
Negative Impact ◽  
Interest Rate Risk ◽  
Commercial Banking ◽  
Country Risk ◽  
Risk Variable ◽  
The Impact

The objective of this paper is to determine the impact of risk factors on the financial performance of the commercial banking sector in Barbados using quarterly data for the period 2000 to 2015. The empirical results indicate that Capital Risk, Credit Risk, Liquidity Risk, Interest Rate Risk and Operational Risk have statistically significant impacts on financial performance. The only risk variable which does not derive this result is Country Risk. In addition, of those variables which proxy external factors, only GDP Growth has a statistically insignificant influence on financial performance. Credit risk exerted a negative impact on the banks’ financial performance, thus the banks must ensure they adopt appropriate measures to minimise the impact of this risk. Higher levels of capital impacted positively on the banking sector’s profitability. This paper is the first effort employing such an extensive dataset based on Barbados’ commercial banking sector and shows the main factors that influence commercial banks’ financial performance in this developing economy.

scholarly journals PENGARUH KONFLIK PEKERJAAN KELUARGA TERHADAP KEINGINAN UNTUK KELUAR MELALUI MEDIASI KEPUASAN KERJA

2019 ◽  
Vol 8 (6) ◽  
pp. 3333
Author(s):  
I Putu Adhi Mardhika ◽  
Anak Agung Sagung Kartika Dewi
Keyword(s):  
Job Satisfaction ◽  
Path Analysis ◽  
Family Work ◽  
Work Conflict ◽  
The Family ◽  
Negative Effect ◽  
Positive Effect ◽  
Personnel Department ◽  
Satisfaction Analysis ◽  
Family Work Conflict

The purpose of the research to be achieved is to analyze the effect of family work conflict on job satisfaction, the effect of family work conflict on the desire to leave, the effect of job satisfaction on the desire to leave, and the influence of family work conflict on the desire to leave through mediating job satisfaction. Analysis using path analysis states that family work conflict has a negative effect on job satisfaction, family work conflict has a positive effect on the desire to leave, job satisfaction negatively influences the desire to leave, and job satisfaction mediates family work conflicts against the desire to leave. Suggestions that can be given are the management of the personnel department of The Jayakarta Hotel Bali should always pay attention to the factors that cause work conflicts of the employee's family in the workplace so as not to cause difficulties in fulfilling roles in the family and difficulties in fulfilling roles in the work. Keywords: family work conflict, desire to quit, job satisfaction

Economic Integration and Business Cycle Synchronization in Asia

2013 ◽  
Vol 12 (1) ◽  
pp. 76-99 ◽  
Author(s):  
Chi Gong ◽  
Soyoung Kim
Keyword(s):  
Business Cycle ◽  
Economic Integration ◽  
Regional Integration ◽  
Financial Integration ◽  
Trade Integration ◽  
Business Cycle Synchronization ◽  
Empirical Results ◽  
Positive Effects ◽  
Negative Effect ◽  
Positive Effect

This paper examines the effects of internal (or regional) vs. external (inter-regional) integration and of trade vs. financial integration on regional business cycle synchronization in Asia. The empirical results show the following: (1) similar and strong common external linkages have significant positive effects on regional business cycle synchronization; (2) after controlling for external linkages, internal trade integration has a positive effect on regional business cycle synchronization but internal financial integration has a negative effect; and (3) the measures of external linkages, particularly the measure of external financial linkages, are more important than those of internal linkages in explaining regional business cycle co-movements.

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