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Journal articles on the topic 'Branch lending'

Author: Grafiati

Published: 28 May 2022

Last updated: 18 July 2025

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1

Glancy, David. "Bank Relationships and the Geography of PPP Lending." Finance and Economics Discussion Series, no. 2023-014 (February 2023): 1–45. http://dx.doi.org/10.17016/feds.2023.014.

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I study how bank relationships affected the timing and geographic distribution of Paycheck Protection Program (PPP) lending. Half of banks' PPP loans went to borrowers within 2 miles of a branch, mostly driven by relationship lending. Firms near less active lenders shifted to fintechs and other distant lenders, resulting in delays receiving credit but only slightly lower loan volumes. I estimate a structural model to fit the observed relationship between branch distance, bank PPP activity, and origination timing. I find that banks served relationship borrowers 5 to 9 days before other borrower

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2

Petkov, Ivan. "Small business lending and the bank-branch network." Journal of Financial Stability 64 (February 2023): 101097. http://dx.doi.org/10.1016/j.jfs.2022.101097.

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3

Kohardinata, Cliff, and Luky Patricia Widianingsih. "DO WE NEED P2P BETWEEN BANK THIRD PARTY FUNDS AND BANK CREDIT?" Research In Management and Accounting 6, no. 1 (2023): 32–42. http://dx.doi.org/10.33508/rima.v6i1.4654.

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The main objective of this study is to obtain empirical evidence on the role of peer-to-peer (P2P) lending mediation in bridging the relationship between banking third party funds and bank credit in provinces with fewer branch offices or limited banking services. The test used is path analysis involving 33 provinces in Indonesia in the period from January to July 2022. The main results of this study show that third party funds in provinces with fewer banking branch offices have no effect on bank credit, but P2P lending can mediate the relationship between banking third party funds and bank cre

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4

Vanwalleghem, Dieter, and Carmela D’Avino. "Functional distance and US global banks’ foreign branch lending." Journal of International Financial Markets, Institutions and Money 103 (September 2025): 102180. https://doi.org/10.1016/j.intfin.2025.102180.

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5

Levine, Ross, Chen Lin, Qilin Peng, and Wensi Xie. "Communication within Banking Organizations and Small Business Lending." Review of Financial Studies 33, no. 12 (2020): 5750–83. http://dx.doi.org/10.1093/rfs/hhaa036.

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Abstract We investigate how communication within banks affects small business lending. Using travel times between a bank’s headquarters and its branches to proxy for the costs of communicating soft information, we exploit shocks to these travel times—the introduction of new airline routes—to evaluate the impact of within-bank communication costs on small business loans. We find that reducing headquarters-branch travel time boosts small business lending in the branch’s county. Several extensions suggest that new airline routes facilitate in-person communications that boost small-firm lending.

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Cetorelli, Nicola, and Linda S. Goldberg. "Follow the Money: Quantifying Domestic Effects of Foreign Bank Shocks in the Great Recession." American Economic Review 102, no. 3 (2012): 213–18. http://dx.doi.org/10.1257/aer.102.3.213.

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Foreign banks pulled significant funding from their US branches during the Great Recession. We estimate that the average-sized branch experienced a twelve percent net internal fund “withdrawal,” with the fund transfer disproportionately bigger for larger branches. This internal shock to the balance sheet of US branches of foreign banks had sizable effects on their lending. On average, for each dollar of funds transferred internally to the parent, branches decreased lending supply by about forty to fifty cents. However, the extent of the lending effects was very different across branches depend

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., Purwanto, and Apriyanti . "PENGARUH PENILAIAN PEMBIAYAAN TERHADAP KEPUTUSAN PEMBERIAN PEMBIAYAAN KREDIT MOBIL PADA PT. TRIHAMAS FINANCE CABANG MADIUN." Capital: Jurnal Ekonomi dan Manajemen 1, no. 1 (2018): 16. http://dx.doi.org/10.25273/capital.v1i1.2134.

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<p>This study aimed to obtain findings about the influence eksplanitif tested financing vote against the decision to grant credit. This study uses a quantitative research design causal. The subjects were Pt. TrihamasMadiun branch and its object is the credit assessment and lending decisions are collected using a questionnaire and analyzed using multiple linear regression analysis. The results showed that the assessment of financing postitif 5C and significant influence lending decisions. </p><p><br /><strong>Keywords:</strong> Assessment of financing, lendin

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8

Dodson, Charles, and Marvin Duncan. "Does FCS Association Size Affect Credit Availability?" Journal of Agricultural and Applied Economics 31, no. 2 (1999): 229–39. http://dx.doi.org/10.1017/s1074070800008518.

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AbstractAn analysis of the characteristics of farm businesses by size of FCS direct lending association suggests that further consolidation of FCS lending should have limited negative impacts on credit availability. Commercial-sized farm businesses with FCS real estate debt appeared similar to those who obtained credit from competing lenders, but smaller associations and those with fewer stockholders per branch appeared to serve larger and more wealthy commercial-sized farms.

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9

Haeroni, Haeroni, and Muhammad Syaiful Suib. "Marketing Lending Strategy on Products BSI. GRIYA HASANAH. (STUDY KASUS.PT. ISLAMIC BANK, TBK. SITUBONDO BASUKI RAHMAT BRANCH)." JURNAL SOSIAL EKONOMI DAN HUMANIORA 9, no. 1 (2023): 38–47. http://dx.doi.org/10.29303/jseh.v9i1.195.

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This study aims to improve the marketing strategy of BSI Griya Hasanah products. This research is located at PT. Bank Syariah Indonesia Situbondo Basuki Rahmat branch. The research method used is qualitative case studies. Data acquisition uses observation, interview, and interview methods of branch heads, microstaff, and CBS. Data analysis procedures used data selection, data reduction, data presentation and drawing conclusions. The results show that the strategy applied to BSI GriyaHasanah's financing products is focused on; product, price, place, promotion, people, physical evidence, and pro

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10

Widyaningsih, Bekti, Arivatu Ni’mati Rahmatika, and Zeni Aristiya Agustin. "Persepsi Nasabah Tentang Implikasi Lending Dan Funding Terhadap Minat Beli Di Bank Syariah." BISEI : Jurnal Bisnis dan Ekonomi Islam 10, no. 1 (2025): 31–35. https://doi.org/10.33752/bisei.v10i1.8953.

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Consumer Behavior Theory, perception and behavior play an important role in customer decisions to choose banking services. This study aims to analyze customer perceptions of Islamic banking products, especially lending and funding products, and their implications for customer purchasing interest at Bank Syariah Indonesia (BSI) Jombang Branch Office. This study uses a quantitative approach with a survey method. Data were collected through questionnaires distributed to BSI KC Jombang customers, then analyzed to identify the relationship between perception, attractiveness of lending and funding p

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Hasibuan, David, Bambang Pamungkas, and Gatot Luhut Monang. "Evaluasi Sistem Pengendalian Intern Terhadap Efektivitas Pemberian Kredit." Jurnal Ilmiah Akuntansi Kesatuan 3, no. 3 (2015): 205–11. http://dx.doi.org/10.37641/jiakes.v3i3.863.

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Bank as a financial institution in Indonesia has an important role in improving standards of living. For that one effort to improve people's lives is the provision of credit to the public. In the course of the loan, the bank is obliged to apply the precautionary principle to avoid an issue. The purpose of this study is to determine the intemal control system at the Bogor branch of Bank BTN and the effectiveness of lending undertaken by the Bank. As well as how big the role of a credit effective internal control systems in Bank BTN Branch Bogor. Based on the research data obtained, it is blown

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Marwan, Marwan, Rika Anggraini, and Noor Iza. "Banking Ïinduciaíy Píinciples in Anticipating Bad Loan Default (PT Bank BTPN Mitra Usaha Rakyat Tbk Teluk Betung Bandar Lampung Branch)." Journal of Law, Politic and Humanities 4, no. 5 (2024): 1677–89. https://doi.org/10.38035/jlph.v4i5.548.

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Credit provided by banks basically contains risks, so in its implementation banks must pay attention to sound credit principles, including banks are not allowed to provide credit without a written agreement. Efforts to reduce the risk of loss in providing credit, require credit guarantees in the sense of confidence in the ability and ability of debtors to pay off their debts in accordance with the agreement. The problems in this study are: (1) How is the existence of the implementation of individual guarantees for lending to PT Bank BTPN Mitra Usaha Rakyat Tbk Teluk Betung Bandar Lampung Branc

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13

Silalahi, Tumpak, Wahyu Ari Wibowo, and Linda Nurlian. "IMPACT OF GLOBAL FINANCIAL SHOCK TO INTERNATIONAL BANK LENDING IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 15, no. 2 (2012): 75–110. http://dx.doi.org/10.21098/bemp.v15i2.423.

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This study intends to determine whether a shock that occurred in developed countries, the source of funding, was transmitted to Indonesia through international bank lending both directly and indirectly. The methods used estimated the determinants of international bank lending. International bank lending is one form of capital flows that have the potential for rapid reversal and that can lead to a financial crisis as it has in the past. Understanding the determinants of bank lending is important as it can be used to mitigate the impact of a financial crisis in the future. The empirical results

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Silalahi, Tumpak, Wahyu Ari Wibowo, and Linda Nurliana. "IMPACT OF GLOBAL FINANCIAL SHOCK TO INTERNATIONAL BANK LENDING IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 15, no. 2 (2012): 77–114. http://dx.doi.org/10.21098/bemp.v15i2.63.

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This study intends to determine whether a shock that occurred in developed countries, the source of funding, was transmitted to Indonesia through international bank lending both directly and indirectly. The methods used estimated the determinants of international bank lending. International bank lending is one form of capital flows that have the potential for rapid reversal and that can lead to a financial crisis as it has in the past. Understanding the determinants of bank lending is important as it can be used to mitigate the impact of a financial crisis in the future. The empirical results

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Pasi, Patricia N. N., Wehelmina M. Ndoen, and Christien C. Foenay. "ANALISIS PERKEMBANGAN KEPUTUSAN PENDANAAN DAN ALOKASI DANA TERHADAP PERKEMBANGAN SISA HASIL USAHA PADA KOPDIT PINTU AIR CABANG ATAMBUA." GLORY Jurnal Ekonomi dan Ilmu Sosial 3, no. 1 (2022): 65–77. http://dx.doi.org/10.35508/glory.v3i1.7670.

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This research was conducted at the Atambua branch of the Pintu Air Credit Cooperative. The purpose of this study is to analyze the development of funding decisions that only use own capital and allocation of of fundsin the form of lending to members on the development of the remaining results of the Atambua branch of the Pintu Air Credit Cooperative. The data source used is primary data and secondary data. Primary data is in the form of data obtained directly from the source at the Atambua Branch of the Pintu Air Credit Cooperative in the form of interviews with cooperative leaders and staff.

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16

Widiyasumarlin, Sri, and Sugeng Riadi. "THE EFFECT OF LENDING, THIRD PARTY FUNDS, NUMBER OF BRANCH OFFICES AND NON-PERFORMING LOANS ON BANKING PROFITABILITY." Aktiva : Jurnal Akuntansi dan Investasi 7, no. 2 (2022): 49. http://dx.doi.org/10.53712/aktiva.v7i2.1470.

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The purpose of this research is to analyze the effect of Lending, Third Party Funds, Number of Branch Offices and Non-Performing Loans on banking profitability. This quantitative associative research uses conventional commercial banks as the population with the Book IV category in Indonesia for the 2012-2019, with secondary data type in the form of annual reports of banking companies. The method used to collect the sample of this research is purposive sampling, that is based on predetermined criteria, there are 5 banks in the Book IV category that match the specified criteria, namely BNI, BRI,

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17

Ramadhani, Ika. "Tinjauan Hukum Tentang Penjualan Aplikasi Berbayar Dengan Cara Pinjam Akun Pribadi (Apple Id)." UIR Law Review 2, no. 2 (2018): 370. http://dx.doi.org/10.25299/uirlrev.2018.vol2(02).1551.

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The research was aimed at knowing the validity of the sales of paid apps by lending personal account (Apple ID) based on software lisence and the legal impact of selling paid apps by lending personal account (Apple ID). The research was a normative legal research. The approach used were statutory and conceptual approaches. Legal source used were primary, secondary, tertiary legal resources. Legal sources were collected by using literature study supplemented with interview. The collected legal sources were analyzed qualitatively. The research results indicate that the sales of paid apps by lend

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18

S, Sathyanarayana. "The Unified Lending Interface - Innovations in Lending: Conceptual Insights into the Future of Financial Services." International Journal of Business and Management Invention 13, no. 9 (2024): 35–48. http://dx.doi.org/10.35629/8028-13093548.

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This study investigates the role of Unified Lending Interfaces (ULIs) in modernising credit assessment and expanding financial inclusion. ULIs integrate diverse data sources and advanced technologies, including machine learning and alternative data, to enhance the accuracy and efficiency of credit evaluations. The aim is to explore how ULIs are transforming the lending landscape, particularly in underserved and emerging markets, and to provide insights into their future development and policy implications. Furthermore, the study examines the impact of Unified Lending Interfaces (ULIs) compared

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19

Udayani, Nurzairah, Arifuddin Mane, and Thanwain Thanwain. "Analisis Sistem Pengendalian Internal Terhadap Pemberian Kredit Multiguna Pada PT Bank Sulselbar Cabang Makassar." ACCESS: Journal of Accounting, Finance and Sharia Accounting 1, no. 3 (2023): 142–47. https://doi.org/10.56326/access.v1i3.2056.

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Tujuan penelitian ini adalah untuk mengetahui sistem pengendalian internal pemberian kredit multiguna pada PT. Bank Sulselbar cabang Makassar. Objek Penelitian PT. Bank Sulselbar cabang Makassar. Jenis data yang digunakan adalah deskriptif kualitatif yang menggunakan teknik pengumpulan data dalam penelitian ini yaitu dengan 3 cara yaitu wawancara kemudian, observasi atau observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa sistem pengendalian intern pada PT Bank Sulselbar Cabang Makassar sudah berjalan efektif walaupun masih banyak kendala dan masih banyaknya kredit macet pada PT. Ban

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20

Lestari, Devi. "IMPLEMENTASI FOUR EYES PRINCIPLE PADA BANK KALBAR SYARIAH CABANG SAMBAS." Sebi : Studi Ekonomi dan Bisnis Islam 5, no. 1 (2023): 65–77. http://dx.doi.org/10.37567/sebi.v5i1.1734.

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Bank is a business entity that collects funds from the public in the form of savings and distributes them to the public in the form of credit and/or other forms in order to improve the standard of living of the people at large.Islamic banks or commonly referred to as interest-free banks, are banking institutions whose operations and products are developed based on the Al-Qur'an and the Hadith of the Prophet SAW. In other words, Islamic banks are financial institutions whose main business is providing financing and other services in payment traffic and money circulation whose operations are in

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Rafika, Mulya, Christine Herawati Limbong, Eva Fitria, Nova Jayanti Harahap, and Yona Melia. "Analysis of the Factors Influencing Credit Distribution at PT. Bank BTN (Persero) Tbk. Medan Branch Office." Daengku: Journal of Humanities and Social Sciences Innovation 3, no. 1 (2022): 42–46. http://dx.doi.org/10.35877/454ri.daengku1393.

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The formulation of the problem in this study is how to influence Third Party Funds (DPK), Return on Assets (ROA) and interest rates on lending at PT. Bank BTN (Persero) Tbk. Medan Branch Office. While the objective of this research is to analyze the effect of third party funds (DPK), Return on Assets (ROA) and interest rates on lending at PT. Bank BTN (Persero) Tbk. Medan Branch Office either partially or simultaneously. The data source in this study is the 2012-2016 financial reports. The data analysis technique used was multiple linear regression using the SPSS version 17.0 program. The resu

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22

Hardiyanti, Siti Epa, and Abdul Latif. "GOOD WAY TO PREVENT NON-PERFORMANCE LOANS: TEMPORARY STOPPING DISTRIBUTION OF BANTEN MICRO CREDIT BY PT BPR SERANG (PERSERODA) KASEMEN BRANCH." Management Science Research Journal 2, no. 1 (2023): 13–23. http://dx.doi.org/10.56548/msr.v2i1.41.

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   PT BPR Serang (Perseroda) Kasemen Branch is one of the banks whose share ownership is partially owned by the local government of Serang Regency and has the main activity in the form of lending aimed at the community in the Serang Regency area. One of the credit products provided by PT BPR Serang (Perseroda) Kasemen Branch is the Banten Microcredit. The credit is a loan aimed at micro, small and medium enterprises to increase the business capital of these business actors. During the Covid-19 pandemic, PT BPR Serang (Perseroda) Kasemen Branch has temporary stopping micro-cre

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DR, BHADRAPPA HARALAYYA. "STUDY ON LOANS AND ADVANCES FOR DCC BANK MAIN BRANCH NAYAKAMAN BIDAR." Iconic Research And Engineering Journals 4, no. 12 (2021): 232–42. https://doi.org/10.5281/zenodo.5041215.

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The banking regulations act of india, 1949 defined banking has “Acceptance for the purpose of lending or investment of deposits of money from the public, refund on demand or otherwise and withdraw able cheques, drafts order or otherwise”, the major participating of the Indian financial system are commercial banks, the financial institution encompassing term lending institutions. Investments institution, specialised financial institution and the state level development banks,. Non-banking financial (NBFC) and other market intermediaries such as the stock brokers and money lenders ar

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Fahmi Rahendas, Nimmi Zulbainarni, and Muhammad Mukti Ali. "Marketing performance improvement strategy in lending KUR at ABC bank XYZ branch office." World Journal of Advanced Research and Reviews 21, no. 3 (2024): 1209–20. http://dx.doi.org/10.30574/wjarr.2024.21.3.0801.

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Marketing performance is one of the important indicators of the success of companies including the banking industry in achieving the expected goals and targets. Increasingly fierce business competition in the industry has an impact on the difficulty in achieving the targets set at Bank ABC XYZ Branch Office, especially in the distribution of People's Business Credit in the region. The purpose of this study is to design strategies to improve marketing performance in KUR lending at Bank ABC XYZ branch. This research uses a mix method approach. Quantitative approach to analyze the relationship of

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Fahmi, Rahendas, Zulbainarni Nimmi, and Mukti Ali Muhammad. "Marketing performance improvement strategy in lending KUR at ABC bank XYZ branch office." World Journal of Advanced Research and Reviews 21, no. 3 (2024): 1209–20. https://doi.org/10.5281/zenodo.14063553.

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Marketing performance is one of the important indicators of the success of companies including the banking industry in achieving the expected goals and targets. Increasingly fierce business competition in the industry has an impact on the difficulty in achieving the targets set at Bank ABC XYZ Branch Office, especially in the distribution of People's Business Credit in the region. The purpose of this study is to design strategies to improve marketing performance in KUR lending at Bank ABC XYZ branch. This research uses a mix method approach. Quantitative approach to analyze the relationship of

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Ahmed, Jaleel, Umar Farooq, Ahmad A. Al-Naimi, Mosab I. Tabash, and Krzysztof Drachal. "Empirical Linkages between Branching, Lending, and Competition: A Study of Pakistani Banks." Economies 11, no. 5 (2023): 145. http://dx.doi.org/10.3390/economies11050145.

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This study examines the relationship between branching, lending, and competition in Pakistani banks. Due to denationalization, Pakistani banks started to increase their branch networks and change loan and deposit policies. To check the effect of geographic diversification and distance on the performance of banks, the market power of loans and deposits, and the effect of large and medium banks on the performance of small banks, a sample of commercial banks is selected. The study finds that geographic diversification and distance between bank branches and headquarters do not affect the performan

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27

Abdullah, Windi Friliani, Nirwan Junus, and Sri Nanang Meiske Kamba. "Default on Joint Responsibility Agreements by Debtors." Damhil Law Journal 3, no. 1 (2023): 38. http://dx.doi.org/10.56591/dlj.v3i1.1829.

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<p><em>The purpose of this study is to find out how the arrangement of the joint responsibility system in the lending and borrowing agreement at PNM Mekaar East City Branch 2 Gorontalo City and to find out the legal consequences and efforts to resolve defaults in joint responsibility agreements by debtors in Huangobotu Village. The research method used is Normative legal research. The research location is PNM Mekaar Office, East City Branch 2 Gorontalo City. The data obtained are primary and secondary. The data collection techniques used by the author are observation, interview, an

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28

Nguyen, Hoai-Luu Q. "Are Credit Markets Still Local? Evidence from Bank Branch Closings." American Economic Journal: Applied Economics 11, no. 1 (2019): 1–32. http://dx.doi.org/10.1257/app.20170543.

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This paper studies whether distance shapes credit allocation by estimating the impact of bank branch closings during the 2000s on local access to credit. To generate plausibly exogenous variation in the incidence of closings, I use an instrument based on within-county, tract-level variation in exposure to post-merger branch consolidation. Closings lead to a persistent decline in local small business lending. Annual originations fall by $453,000 after a closing, off a baseline of $4.7 million, and remain depressed for up to six years. The effects are very localized, dissipating within six miles

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Chandra Muhardani, Sigit, and Maskupah. "IMPLEMENTASI AKAD PEMBIAYAAN MURABAHAH PADA BANK KALBAR SYARIAH CABANG KABUPATEN SAMBAS." Sebi : Studi Ekonomi dan Bisnis Islam 5, no. 2 (2023): 1–15. http://dx.doi.org/10.37567/sebi.v5i2.1741.

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Bank is a business entity that collects funds from the public in the form of savings and distributes them to the public in the form of credit and/or other forms in order to improve the standard of living of the people at large.Islamic banks or commonly referred to as interest-free banks, are banking institutions whose operations and products are developed based on the Al-Qur'an and the Hadith of the Prophet SAW. In other words, Islamic banks are financial institutions whose main business is providing financing and other services in payment traffic and money circulation whose operations are in

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Ali, Jamaluddin, and Mujahidin Mujahidin. "Pengaruh Pemberian Kredit terhadap Return On Asset pada PT. Bank Rakyat Indonesia (Persero), Tbk Cabang Pondok Aren Periode Tahun 2010-2019." Jurnal Neraca Peradaban 1, no. 1 (2021): 14–20. http://dx.doi.org/10.55182/jnp.v1i1.29.

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This study aims to determine the effect of Lending on Return On Assets at PT. Bank Rakyat Indonesia (Persero), Tbk Pondok Aren Branch. The method used is explanatory research. The analysis technique uses statistical analysis with regression testing, correlation, determination and hypothesis testing. The results of this study, the variable of credit provision obtained an average value of 406.387 billion%. The return on assets variable obtained an average value of 5.403 %%. Lending has a positive and significant effect on Return On Assets with a regression equation value of Y = 2.254 + 0.008X, a

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Le, Huong Mai Thi. "Development of retail banking services at bank for agriculture and rural development - Dong Nai branch." Journal of Development and Integration, no. 72 (October 25, 2023): 27–34. http://dx.doi.org/10.61602/jdi.2023.72.04.

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Based on the secondary data source collected from the State Bank of Agriculture and Rural Development - Dong Nai branch and based on the criteria for evaluating the development of retail banking services. The article assesses the current situation of developing retail banking services at Bank for Agriculture and Rural Development - branch in Dong Nai province. Research results show that in the period of 2020-2022, retail banking services at Dong Nai Bank for Agriculture and Rural Development’s branch have achieved certain results. Specifically, capital mobilization, retail lending and other re

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Dmitriev, A. M. "THEORETICAL APPROACHES TO SIMULATION OF OPTIMAL INTER-BRANCH LENDING RATES IN HOLDING COMPANIES." Вестник Алтайской академии экономики и права 1, no. 12 2020 (2020): 72–83. http://dx.doi.org/10.17513/vaael.1477.

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Talaulikar, Harsha, Purva Hegde Desai, and Nilesh Borde. "Do risk attitude and trust moderate bank managers' risk perceptions in lending to micro, small, medium enterprises?" Managerial Finance 48, no. 3 (2021): 451–69. http://dx.doi.org/10.1108/mf-06-2021-0294.

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PurposeThe purpose of this research is to study the antecedents of risk perceptions of bank managers towards micro, small, medium enterprise (MSME) lending, in the situation of information asymmetry, where cognitive factors assume significance over organisational norms of lending.Design/methodology/approachThis study proposed and tested a conceptual model based on the factors identified from literature review and exploratory and quantitative study. Multinomial logistic regression technique is used for quantitative analysis.FindingsThe research postulates that information asymmetry, risk attitu

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Awaliyah, Halimatul, and Nijar Kurnia Romdoni. "Sistem Pengendalian Internal Dana Pihak Ketiga pada Bank Mandiri Taspen KCP Karangnunggal." Jurnal Ekonomi Bisnis dan Manajemen 2, no. 1 (2024): 241–50. http://dx.doi.org/10.38204/ekobima.v2i1.2047.

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At the beginning of 2022, Bank Mandiri Taspen management will not only focus on lending, but will also start encouraging each Branch Office to expand the volume of Third Party Funds as a contributor to profit growth. The purpose of this research is to determine the Internal Control System for Third Party Funds implemented by Bank Mandiri Taspen Karangnunggal Sub-Branch Office. The research method used is a qualitative method that describes facts and events that occur in the field. The data used by the author in analyzing the Internal Control System for Third Party Funds comes from primary data

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Авагян, Г. Л. "Corporate loan portfolio of a regional branch of the bank: optimization issues." Экономика и предпринимательство, no. 9(122) (October 3, 2020): 912–19. http://dx.doi.org/10.34925/eip.2020.122.9.178.

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Актуальность темы определяется доминирующей ролью корпоративного кредитования в деятельности банков как основного источника роста банковского бизнеса. На основе использования теоретического и обширного фактологического материала выделена специфика управления корпоративным кредитным портфелем филиала банка и предложены направления оптимизации его отраслевой структуры. The relevance of the topic is determined by the dominant role of corporate lending in banks as the main source of banking business growth. Based on the use of theoretical and extensive factual material, the specifics of managing a

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Kulagin, Andrei Andreevich. "Moscow as the All-Russian Credit Market: statistical and geoinformation analysis of the operations of the Moscow branch of the St. Petersburg International Commercial Bank in 1900." Историческая информатика, no. 1 (January 2025): 209–26. https://doi.org/10.7256/2585-7797.2025.1.73461.

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The aim of this article is to explore the role of the Russian capital’s credit market in lending to regional businesses, citing the Moscow branch of the St Petersburg International Commercial Bank as an example of a commercial bank that provides services such as loans and cash credit. The research is based on the branch’s promissory note book for 1900 from the bank's archive at the Central State Archive in Moscow. This document records customer lending transactions, specifically data on promissory notes purchased by the bank branch for its customers. The emphasis is on the geographical aspects

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Ramadhani, Aprilia Kinasih Putri, and Ari Prasetyo. "Penerapan Strategic Marketing Pada Bank Syariah Mandiri Kantor Cabang Jemur Handayani Surabaya." Jurnal Ekonomi Syariah Teori dan Terapan 1, no. 12 (2015): 863. http://dx.doi.org/10.20473/vol1iss201412pp863-873.

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Islamic Banking in Indonesia are developing rapidly. it can be seen by the number of offices that increase from year to year. This development of islamic banking can make a competition between the islamic banking. Therefore, to face the tight competition, islamic banking needs the right strategic marketing that compatible with sharia principle. The strategic marketing consists of three components. They are segmenting, targeting, and positioning. This research aims to know how the application of strategic marketing in Bank Syariah Mandiri Branch Office of Jemur Handayani Surabaya.This research

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Kilika, S. "Lending Methods: A Financial Performance Determinant of Deposit -Taking Microfinance Institutions in Kenya." International Journal of Advances in Scientific Research and Engineering 5, no. 3 (2019): 138–49. https://doi.org/10.31695/IJASRE.2019.33128.

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<em>The purpose of the study is to describe loan lending methods as a determinant of financial performance of deposit-taking Microfinance institutions (DTMFIs) in Kenya. The study sought to determine the financial cost implications of lending methods as a key determinant of DTMFIs’ financial performance. The theories included capital structure, portfolio theory, the economic theories (theory of choice, finance theory, capital investment theory, investor choice theory, preference theory and efficient capital market theory). The target population of the study was 138 DTMFIs in Kenya. The s

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Hilendri, Bq Anggun, and Sapto Hendri B. S. "PERAN SISTEM INFORMASI AKUNTANSI DALAM PENYALURAN KREDIT PADA PERUSAHAAN JASA PERBANKAN." Jurnal Aplikasi Akuntansi 3, no. 2 (2019): 39–63. http://dx.doi.org/10.29303/jaa.v3i2.53.

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Banks are one of institution, where the main activities are in the financial sector. One of the financial activities carried out by banks is in granting credit. The existence of Mataram BTN Bank has a very important role in encouraging development and increasing economic growth in Mataram. However, the problem in lending is how to minimize the risk of bad credit. With the existence of the role of an adequate accounting information system in the process of granting credit shows an attitude of caution in the banking itself. This research will focus on lending with house collateral at the Mataram

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Andriani, Budi. "Analysis of the Implementation of Good Corporate Governance Principles in Increasing Lending." Advances in Management & Financial Reporting 1, no. 1 (2023): 14–24. http://dx.doi.org/10.60079/amfr.v1i1.11.

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This study aims to assess the level of efficiency and effectiveness of the credit department, especially in terms of lending, and to obtain an overview of the principles and principles of good corporate governance in the company's lending procedures. The population in this study were all employees at the Main Branch Office (KCU) Panakukang PT. Bank Central Asia (Persero) Tbk Makassar. The research sample was selected based on specific considerations or criteria from the researcher to get as much information as possible. The source of data in this study is primary data obtained through field re

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Diya, Harisa, and Iyah Faniyah. "LEGAL PROTECTION OF CUSTOMERS FOR DAMAGE ORLOSS OF COLLATERAL." UNES Journal of Swara Justisia 4, no. 2 (2020): 186. http://dx.doi.org/10.31933/ujsj.v4i2.160.

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Based on Law Number 19 of 2003 concerning State-Owned Enterprises (BUMN),PT. Pegadaian (Persero) is a body or organization that is engaged in lending money services by mortgaging an item as collateral. As a non-bank financial institution in providing loans to the public, PT. Pegadaian (Persero) Padang City Ulak Karang Branch uses an agreement to borrow money as outlined in the form of a Pawn Certificate (SBG). Meanwhile, in handling collateral goods belonging to the customer is not always protected from damage or loss. PT. Pegadaian (Persero) The Ulak Karang Branch of Padang City has the oblig

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Asra, Moh. "Implementasi Sistem Produk Pembiayaan Muḍârabah: Studi Faktor Turunnya Profit di Bank Muamalat Jember". Istidlal: Jurnal Ekonomi dan Hukum Islam 2, № 1 (2018): 23–47. http://dx.doi.org/10.35316/istidlal.v2i1.118.

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The practice of islamic banking has been known since the time of prophet muhammad, along with his companions, because there are institutions that carry out the main functions of banking operations, which are receiving money, lending money, delivery or transfer service. This muḍârabah financing product, is expected to be a superior product of Bank Muamalat Indonesia of Jember or at generalit bank islam. The study used a qualitative approach with focus; 1) what is the system implementation of muḍârabah financing product at bank mu'amalat indonesia jember branch?, 2) what are the factors cause th

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Gibilaro, Lucia, and Gianluca Mattarocci. "Cross-border banking and foreign branch regulation in Europe." Journal of Financial Regulation and Compliance 29, no. 3 (2021): 280–96. http://dx.doi.org/10.1108/jfrc-08-2020-0072.

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Purpose This paper aims to examine the relevance of cross-border activity in the European banking sector, evaluating the role of differences in regulation to explain the level of interest in entering foreign markets. Design/methodology/approach The sample considers all banks in the European Union (EU 28) existing at year-end 2017, and information about the ultimate owners’ nationality to classify local and foreign banks is collected. The analysis provides a mapping of regulatory restrictions for foreign banks and evaluates how they impact the role of foreign players in the deposit and lending

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Dwi Hernanik, Nova, and Heri Pratikto. "Religiusity And Bank Products And Their Relationship With Decision Making In Micro Small Medium Business Funding In Pt Bank Muamalat Indonesia." International Journal of Science, Technology & Management 3, no. 4 (2022): 1202–10. http://dx.doi.org/10.46729/ijstm.v3i4.532.

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This study aims to determine the impact of religion and banking products on the financing decisions of small and medium-sized enterprises (MSMEs) at Bank Muamalat Indonesia Malang Branch. A sample of this survey is an MSME lending customer at Bank Muamalat Indonesia Malang Branch. This study uses primary data through the distribution of quizions. The survey method uses the method of multiple linear regression analysis with SPSS version 18. The results of simultaneous tests based on the findings show that religion and banking products have a common and significant influence on the coefficients

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Nuruddin Armanto and Ayu Rizki Sholeha. "STRATEGI BAITUL MAL WAT TAMWIL (BMT) MASLAHAH CAPEM WANGKAL DALAM MENGANTISIPASI KREDIT MACET (Studi Kasus di BMT Maslahah Capem Wangkal Desa Wangkal Kecamatan Gading Kabupaten Probolinggo)." Ar-Ribhu : Jurnal Manajemen dan Keuangan Syariah 1, no. 1 (2020): 95–116. http://dx.doi.org/10.55210/arribhu.v1i1.455.

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Borrowing and lending is one of the economic activities carried out by financial institutions, especially the BMT Maslahah CapemWangkal cooperative, the BMT Maslahah Capem Wangkal cooperative business activities include the provision of credit. BMT cooperative Maslahah Capem Wangkal as a distributor and provider of credit funds for the community that does not always run smoothly, there are times when debtors do not fulfill obligations according to the agreed time (default). The formulation of the problem in this study are: 1) What causes the occurrence of bad credit in Baitul Maal Wat Tamwil M

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Savitha, Basri, and Naveen Kumar K. "Non-performance of financial contracts in agricultural lending." Agricultural Finance Review 76, no. 3 (2016): 362–77. http://dx.doi.org/10.1108/afr-01-2016-0001.

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Purpose Evaluating a portfolio of agricultural loans has become an important issue in recent years primarily due to a large number of loan defaults. The purpose of this paper is to investigate the factors influencing credit repayment behavior of farmers in Karnataka. Design/methodology/approach The study is based on secondary data of 590 farmers collected from a private bank in the state of Karnataka, India. Binary logistic regression and multinomial regression analysis was carried out to estimate the probability of non-payment of a loan. Findings The results of the regression confirm a signif

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Marpol, Marpol, and Erinaldo Erinaldo. "Legal Analysis Of Interbank Business Competition In Lending." International Asia Of Law and Money Laundering (IAML) 1, no. 2 (2022): 152–57. http://dx.doi.org/10.59712/iaml.v1i2.26.

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Competition between banks, especially in lending between commercial banks and BPRS can cause unfair business competition, given the ability of commercial banks to capitalize far above the BPRS, which has an impact on losses for BPRS. Business competition can not be avoided both commercial banks and commercial banks and commercial banks with Rural Banks. The problem of business competition between banks can occur due to problems of location, product, type of business and market share. This study focuses on the problems of what is the cause of the emergence of business competition. The research

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Hamsyi, Nur Fitriana. "Analisis Penentuan Margin Pembiayaan Murabahah pada PT. Bank Syariah X Cabang Pontianak." Jurnal Ekonomi Bisnis dan Kewirausahaan 6, no. 3 (2017): 175. http://dx.doi.org/10.26418/jebik.v6i3.23254.

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The purpose of this research is to find out how to determine the margin of murabahah financing, and components considered by Bank Syariah X Pontianak Branch. This is a qualitative descriptive research by investigating directly to the field in order to get more detail informations.Data collections were done by conducting observation, interview, documentation and literature study. From the research results, it can be concluded that the determination of murabahah margin in Bank Syariah X Branch Pontianak was using base lending rate approach where the components were among others the cost of fund,

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Esomar, Maria J. F., and Ayu Sukmadewi. "ANALISIS KINERJA KEUANGAN PADA CITIBANK N.A., INDONESIA BRANCH DENGAN MENGGUNAKAN METODE CAMEL M." Manis: Jurnal Manajemen dan Bisnis 1, no. 1 (2017): 27–36. http://dx.doi.org/10.30598/manis.1.1.27-36.

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Financial Performance is a picture of the financial condition of a company.The purpose of this research is to assess the performance of the company by usingthe financial ratio analysis of Citibank N.A., Indonesia Branch. This researchconducted by performing the documentation technique with data which obtainedfrom financial statements Citibank N.A., Indonesia Branch ( 2011 – 2015) .Then is analyzed by using the analysis of financial statements whichconsist of Capital ratio, Earning Asset Quality, Management, Profitability andLiquidity (CAMEL). The analysis performed resulted in less ratio ratio

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Pohan, Lismadonna Br, Nunung Nurhasanah, and Didit Supriyadi. "The EFFECT OF FEE BASED INCOME, OPERATIONAL COSTS ON OPERATIONAL INCOME (BOPO) AND DISTRIBUTION OF CREDIT ON PROFITABILITY (ROA) IN. BANK BJB, Tbk PERIOD 2015 - 2020." Journal of Economic, Bussines and Accounting (COSTING) 5, no. 1 (2021): 584–99. http://dx.doi.org/10.31539/costing.v5i1.2430.

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This study aims to provide empirical evidence about the effect of fee-based income, Operational Expenses on Operational Income (BOPO), and credit distribution on profitability (ROA) of Bank BJB, Tbk. The research sample used is from 2015 - 2020. The method of analysis used is multiple linear regression with the classical assumption test which includes normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. The results showed that the fee-based income variable had a significant and positive effect on the profitability of Bank BJB, Karawang Branch. Meanwhile, B

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