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Journal articles on the topic 'Commercial loans Data processing'

Author: Grafiati

Published: 10 December 2022

Last updated: 31 July 2025

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1

Sun, Yalong. "Financial Technology Level and Credit Structure Adjustment of Commercial Banks." Journal of Economics and Public Finance 9, no. 4 (2023): p131. http://dx.doi.org/10.22158/jepf.v9n4p131.

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Under the traditional bank credit model, due to financial control and risk considerations, the growth of commercial bank credit scale is limited. Banks often adopt short-term credit strategies and tend to issue guaranteed loans instead of credit loans. In recent years, the development of financial technology in commercial banks has broken the credit resource allocation model of the traditional financial system to a certain extent, which is of great significance for optimizing the credit structure of commercial banks. This paper first analyzes the path of the development of commercial bank fina

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Hernando, Alben, Elvaretta Miranda, Lauw Luvena Aileen Theodora, Yohanes B. Kadarusma, and Glisera Agri Ariyan. "Dampak Faktor Makroekonomi terhadap Non Performing Loan pada Kredit Produktif Bank Umum di Indonesia." Studi Akuntansi dan Keuangan Indonesia 3, no. 1 (2020): 1–28. http://dx.doi.org/10.21632/saki.3.1.1-28.

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This study aims to find out the factors that affect non-performing loans of productive loans of commercial banks registeredin oritas Jasa Keuangan. This study examined the macroeconomic variables that affect productive credit NPLs. The sample used is a commercial bank in Indonesia, which is registered in OJK. Productive credit NPL data are taken quarterly from 2003 to 2017,and 56 observationsare obtained. The regression model used in this study is ARDL, with the help of processing Eviews 10 software. The macroeconomic variables tested in this research consist of GDP growth, loan interest rates

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Chen, Mingkeng, and Xiaoyun Ma. "An Optimized BP Neural Network Model and Its Application in the Credit Evaluation of Venture Loans." Computational Intelligence and Neuroscience 2022 (May 2, 2022): 1–9. http://dx.doi.org/10.1155/2022/8791968.

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With the rapid development of entrepreneurship loans in China, the construction of a credit evaluation system of risk loans has become an important financial safeguard measure. This paper mainly studies the following three aspects. Firstly, in view of the subjective factors in the approval process of venture loans, based on the credit evaluation system of commercial banks and the data characteristics of venture loans, a credit evaluation system based on venture loans is constructed. Secondly, the randomized uniform design method is used to improve the population initialization method to realiz

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Dinah Purnamasari and Fatchan Achyani. "Analysis of the Effect of Credit Expansion, Operational Efficiency Rate, Lending Interest Rate, NPL of the Previous Period and Capital Adequacy Ratio (CAR) on Non-Performing Loans Based on the Generalized Method of Moment." Quantitative Economics and Management Studies 3, no. 2 (2022): 256–64. http://dx.doi.org/10.35877/454ri.qems919.

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This study aims to determine the effect of credit expansion, operational efficiency, lending interest rate, NPL in the previous period and Capital Adequacy Ratio (CAR) on Non-Performing Loans (NPL). This type of research was quantitative and used secondary data from annual reports. This study used a sample of 20 conventional commercial banks registered on the IDX in 2017-2019 with sample determination using the purposive sampling method. The technique for analyzing data in this study used the Generalized Method of Moment (GMM) with data processing using the help of the Eviews 9 application. Ba

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Waliullah, Md. "LEVERAGING MANAGEMENT INFORMATION SYSTEMS FOR ENHANCING CREDIT RISK ASSESSMENT IN COMMERCIAL BANKS." ACADEMIC JOURNAL ON BUSINESS ADMINISTRATION, INNOVATION & SUSTAINABILITY 4, no. 4 (2024): 19–32. http://dx.doi.org/10.69593/ajbais.v4i04.112.

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This study explores the significant impact of Management Information Systems (MIS) on credit risk assessment in commercial banks, examining how these systems enhance decision-making accuracy, operational efficiency, and proactive risk management. By synthesizing findings from 50 peer-reviewed studies, the research reveals that banks using MIS experience a 20-30% reduction in non-performing loans and a 40-50% increase in loan processing speed due to automation and real-time data analysis. The integration of advanced technologies such as artificial intelligence (AI) and predictive analytics furt

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Jakušonoka, Ingrīda, and Linda Barakauska. "DEVELOPMENT AND USAGE OF SCORING SYSTEMS IN GIVING MORTGAGES BY COMMERCIAL BANKS OF LATVIA." Science and Studies of Accounting and Finance: Problems and Perspectives 10, no. 1 (2016): 55–64. http://dx.doi.org/10.15544/ssaf.2016.06.

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Competition among banks is stiff in this field (mortgage loans), where everyone wants to offer clients more favourable terms and conditions, thus gaining the largest market share. However, the credit terms and conditions can vary considerably, given the purpose of credit and the collateral. The world uses different assessment methods for a borrower’s evaluation. Particular attention is paid to the borrower's credibility and additional creditworthiness by collecting, processing and evaluating important information on the credit applicant. This research work is based on theoretical knowledge in

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Munawar, Aang, and Feby Harianty. "Determinant of Return On Invested Capital." Jurnal Ilmiah Manajemen Kesatuan 12, no. 3 (2024): 587–98. http://dx.doi.org/10.37641/jimkes.v12i3.2531.

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The banking sector is one of the most important sectors for the modern economy, because almost every industry involved in financial activities always requires banking services. This encourages the banking industry to function properly as seen from the capital it has. The amount of Third Party Funds for commercial banks continues to increase, reflecting that banking growth is getting better. Therefore, it is important to assess banking financial performance as measured by banking financial ratios. This is the reason why researchers are interested in conducting research on what influences the RO

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Pramukti, Eko, Abdul Rakhman Laba, and Andi Aswan Pramukti. "The Effect of Loan Performance on Profit Growth WITH Operational Costs and Operating Income (OCOI) as Intervening Variables at Commercial Banks in Indonesia." Economics and Business Journal (ECBIS) 1, no. 4 (2023): 273–84. http://dx.doi.org/10.47353/ecbis.v1i4.38.

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This study aims to analyze and determine the effect of loan performance on profit growth with operational costs and operating income (OCOI) as intervening variables in commercial banks in Indonesia. The data analysis technique in this study uses Partial Least Square (PLS) using Smart PLS software. This data analysis technique is used to facilitate researchers in data processing and analysis. The results show that the loan performance coefficient positively and significantly affects profit growth. The results of testing loan performance on profit growth show a path coefficient of 0.372 with a t

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9

Zhang Zhihui. "Impact of Digital Finance on Credit Structure and Risk-Taking in Commercial Banks: An Empirical Analysis." International Journal of Education and Humanities 4, no. 3 (2024): 338–49. http://dx.doi.org/10.58557/(ijeh).v4i3.251.

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With the rapid growth of new technologies such as big data, digital technology is increasingly permeating our daily lives. Financial institutions, particularly commercial banks, are also seizing opportunities in the wave of digital financial development to provide better financial services. However, this development in digital finance has affected the credit structure and risk-taking of banks. This study aims to empirically analyze the impact of digital finance development on the credit structure and risk-taking of commercial banks. Additionally, the study seeks to discuss how the combined eff

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Roni, Faizal, Ahmad Rafik, Nanang Lidwan, and Sabaruddin Siagian. "ANALISIS KINERJA INDUSTRI PERBANKAN NASIONAL PASCA COVID-19." JURNAL LENTERA AKUNTANSI 8, no. 1 (2023): 218. http://dx.doi.org/10.34127/jrakt.v8i1.852.

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<p align="justify">The purpose of scientific writing is to analyze the performance of the banking industry, related to liquidity performance, credit disbursement and processing of non-performing loans, management of third party funds (DPK), profitability or ROA, and post-Covid-19 banking capital or CAR. The research sample used is a conventional commercial bank (BUK). The data used is secondary data taken from OJK. As a result, overall banking performance after the Covid-19 crisis has been satisfactory. As an individual result, post-Covid-19 banking liquidity is very good, credit disburs

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Safitri, Julia, and Yuridistya Primadhita. "The Role of Credit Risk as Mediating the Effect of Liquidity on Sharia Banking Performance." Perisai : Islamic Banking and Finance Journal 6, no. 1 (2022): 40–50. http://dx.doi.org/10.21070/perisai.v6i1.1580.

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This study aims to examine and analyze the relationship of the influence of liquidity on bank performance mediated by credit risk. Using data on Islamic banking companies listed on the IDX in 2013-2019. The methodology of this research was carried out to achieve the objectives of this study, namely how the influence of liquidity on the performance of Islamic banking companies in Indonesia which is mediated by credit risk. By processing data from data collected from the pre-pandemic and during the pandemic, this research can prove the proposed hypothesis. The analytical tool used is SEM-PLS wit

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Vargas, David A., Juan F. De Villena, Valeria Larios, et al. "Data-Mining Poultry Processing Bio-Mapping Counts of Pathogens and Indicator Organisms for Food Safety Management Decision Making." Foods 12, no. 4 (2023): 898. http://dx.doi.org/10.3390/foods12040898.

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Bio-mapping studies play an important role, as the data collected can be managed and analyzed in multiple ways to look at process trends, find explanations about the effect of process changes, activate a root cause analysis for events, and even compile performance data to demonstrate to inspection authorities or auditors the effect of certain decisions made on a daily basis and their effects over time in commercial settings not only from the food safety perspective but also from the production side. This study presents an alternative analysis of bio-mapping data collected throughout several mo

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Sholikah, Arini Mar'ah, and Titis Miranti. "Factors Influence Financial Sustainability Banking In Indonesia." Al-Tijary 6, no. 1 (2020): 41–50. http://dx.doi.org/10.21093/at.v6i1.2497.

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This research aims to determine the factors that affect the financial sustainability of conventional banks and sharia banks in Indonesia. Data obtained from the financial statements of conventional commercial banks and Islamic commercial banks have been published by the Financial Services Authority (OJK) for the period 2014 to 2018. The total population used in this study are all conventional and Sharia banks that publish their financial statements on the OJK. The research variables used include Financial Self Sufficiency (FSS) as the dependent variable. Return on assets (ROA), Cash to deposit

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Barasa, Maryline, Charles Tibbs, and Ayub Shitseswa. "Influence of Debt Restructuring Strategy Implementation on Performance of Selected Commercial Banks in Kisumu Kenya." African Journal of Empirical Research 4, no. 2 (2023): 734–44. http://dx.doi.org/10.51867/ajernet.4.2.74.

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Kenya witnessed the failure of several banks, such as Imperial Bank and Dubai Bank. The study examined the influence of debt restructuring strategy implementation on the performance of selected commercial banks in Kisumu, Kenya. The research was based on risk management theory. The research design used in this study was a descriptive survey. Kisumu City was chosen because it is one of the fastest-growing cities in Kenya, as it is endowed with natural resources and robust industries centered around the processing of agricultural products, whose contribution to the national economy is immense, m

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Narikae, Parmain Ole, Dr Juliana M. Namada, and Prof Paul Katuse. "ORGANIZATIONAL POLICY FRAMEWORK AND STRATEGY IMPLEMENTATION GAPS." International Journal of Business Strategies 2, no. 1 (2017): 56. http://dx.doi.org/10.47672/ijbs.272.

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Purpose: The journal aims at assessing how organizational policy framework leads to strategy implementation gaps. The study population was made up of management and support staff of Kenyan commercial banks.Methodology: It employed the use of questionnaires to obtain relevant data from respondents. The study focused on 250 top, middle and lower level employees from Kenyan commercial banks. Data was analyzed using descriptive and inferential statistics. The descriptive statistics methods used include mean and standard deviation. The inferential statistics used in the study include Pearson correl

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Safitri, Anggi Windu, and Rimi Gusliana Mais. "Analysis of Factors Affecting Murabahah Financing on Sharia Commercial Banks in Indonesia 2012–2018." Indonesian Journal of Business, Accounting and Management 2, no. 01 (2019): 29–37. http://dx.doi.org/10.36406/ijbam.v2i2.583.

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Abstract—This study aims to determine the effect of Capital Adequacy Ratio (CAR), Third Party Funds (DPK), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Return On Ratio (ROA) to Financing Murabaha at Islamic Commercial Banks in Indonesia for the 2012-2018 Period. There are ten samples in this study that meet the research criteria, namely BCA Syariah Bank, BRI Syariah Bank, BNI Syariah Bank, Mandiri Syariah Bank, Syariah Bukopin Bank, Panin Indonesia Syariah Bank, Jabar Banten Syariah Bank, Mega Syariah Bank, Muamalat Bank, Victoria Bank Sharia. This research method is q

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17

Micabalo, Kingie G., Judy Ann F. Gimena, Christopher Biore, Eddie E. Llamedo, Ily E. Abella, and Amabella Grace Siaton. "Challenges to Climate Change Resilience and Financial Support for Commercial Farmers in the Philippines: Implications for Sustainable Agricultural Production." Asian Review of Social Sciences 13, no. 2 (2024): 55–62. http://dx.doi.org/10.70112/arss-2024.13.2.4274.

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The Philippines’ commercial farmers face complex and intricate obstacles to becoming resilient to climate change and obtaining sufficient funding. This research aimed to identify the challenges, issues, and barriers faced by farmers in achieving sustainable agricultural output, specifically with regard to financial assistance and climate change resilience. A qualitative phenomenological research approach was used, with 20 local farmers from Buenavista, Bohol Province, Region VII Central Visayas, serving as the research informants. Non-probability purposive sampling was employed to select parti

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ORLOV, Sergei N., and Aleksandr A. TISHCHENKO. "Digital Twin: Applying the technology to manage a commercial bank's collateral portfolio." Finance and Credit 29, no. 3 (2023): 575–600. http://dx.doi.org/10.24891/fc.29.3.575.

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Subject. This article discusses the development of digital platforms for managing the collateral portfolio of a commercial bank. Objectives. The article aims to develop recommendations for the introduction of innovative collateral portfolio management tools based on the Digital Twin technology, into the bank's collateral management process. Methods. For the study, we used a process approach. Results. The article proposes to synchronize the processes of collecting and processing data flows during the selection, analysis and registration of collateral within the life cycle of the collateral obje

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Churk, Josephine Philip, and Winifrida Elias Sayi. "The Contribution of Digital Credit Uprising on Banking Performance in Tanzania: A Case of NMB Agency in Dodoma City." International Journal of Management, Accounting and Economics 11, no. 9 (2024): 1178–96. https://doi.org/10.5281/zenodo.13755860.

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As digital technology continues transforming the banking sector, the digital credit revolution is also becoming attractive in Africa and worldwide.<strong> </strong>Digital credit is a service that provides instant short-term loans offered via mobile money, especially in the banking industry. In Tanzania, few studies have assessed its contributions to commercial banking performances. This study intends to evaluate the contributions of the digital credit uprising on banking performance in Tanzania, focusing on the NMB Agency in Dodoma City. Specifically, the study intends to assess the role of

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Iskandar Putri, Shafira, and Noorsyah Adi Noer Ridha. "Pengaruh LDR Dan NPL Terhadap ROA Pada Bank Umum Swasta Nasional Yang Terdaftar Di BEI Periode 2019-2023." JRAK (Jurnal Riset Akuntansi dan Bisnis) 11, no. 1 (2025): 8–16. https://doi.org/10.38204/jrak.v11i1.1968.

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This study aims to determine the effect of Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) on Return on Assets (ROA) at National Private Commercial Banks Listed on the Indonesia Stock Exchange for the period 2019- 2023. The sampling technique used was purposive sampling method, namely 18 samples of National Private Commercial Banks. The data in this study are secondary data in the form of bank financial reports available on the company's website or the IDX website. The data processing tools used in this research are Microsoft Excel and Eviews 12 software. The data analysis used is de

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Emefiene, M. E., V. I. Joshua, C. Nwadike, A. Y. Yaroson, and N. D. E. Zwalnan. "Profitability Analysis of Pigean Pea (Cajanus cajan) Production in Riyom LGA of Plateau State." International Letters of Natural Sciences 18 (July 2014): 73–88. http://dx.doi.org/10.18052/www.scipress.com/ilns.18.73.

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The study focused on the profitability of pigeon pea production in Riyom LGA of Plateau State. Data for the study were obtained from both primary and secondary sources. Questionnaires were administered to 80 targeted farmers to get information on their socio-economic characteristics, years of experience in pigeon pea production and the reason for growing pigeon pea. The analytical tool used includes descriptive statistics to analyze the socio-economic characteristics of the farmers and farm budgeting technique (gross margin analysis) for assessing the profitability of pigeon pea production. Th

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Emefiene, M. E., V. I. Joshua, C. Nwadike, A. Y. Yaroson, and N. D. E. Zwalnan. "Profitability Analysis of Pigean Pea (<i>Cajanus cajan</i>) Production in Riyom LGA of Plateau State." International Letters of Natural Sciences 18 (July 3, 2014): 73–88. http://dx.doi.org/10.56431/p-ogjgt1.

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The study focused on the profitability of pigeon pea production in Riyom LGA of Plateau State. Data for the study were obtained from both primary and secondary sources. Questionnaires were administered to 80 targeted farmers to get information on their socio-economic characteristics, years of experience in pigeon pea production and the reason for growing pigeon pea. The analytical tool used includes descriptive statistics to analyze the socio-economic characteristics of the farmers and farm budgeting technique (gross margin analysis) for assessing the profitability of pigeon pea production. Th

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Alsaffar, Ahmed Adheem, and Dr Jawad Kadhim AL-Bakri. "The Effectiveness of The Kida Model in Measuring Financial Failure Through Selected Financial Indicators Using Artificial Intelligence Tools: An Applied Study on Iraqi Commercial Banks (2018 – 2023)." International Journal of Accounting and Economics Studies 12, no. 3 (2025): 63–68. https://doi.org/10.14419/che1y197.

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This study aims to assess the effectiveness of the Kida model in measuring the probability of financial failure in selected Iraqi commercial banks by analyzing the influence of a set of selected financial indicators. The study employed the Panel Autoregressive Distributed Lag (Panel ARDL) model, relying on four indicators that capture essential aspects of banking risk: (Capital Adequacy Ratio(CAR), Cash Liquidity Ratio(CLR), Non-Performing Loans ratio(NPL), and Credit Deployment Ratio(CDR). The empirical analysis covers a sample of three Iraqi commercial banks listed on the Iraq Stock Exchange

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O. Afolabi, Adedeji, and Ifeoluwa R. Akinlolu. "Evaluation of women’s access to building credits from banks in Nigeria." Banks and Bank Systems 16, no. 4 (2021): 45–60. http://dx.doi.org/10.21511/bbs.16(4).2021.05.

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Women are responsible for the fastest economic growth in the world through their commercial activities. Despite this notable act, women in developing countries are most times sidelined in accessing financial incentives from banks. The purpose of this study was to evaluate the criteria used by banks and the problems encountered by women in accessing building credits in Nigeria. The study used a cross-sectional survey research design that utilized an electronic questionnaire instrument. The data obtained were analyzed using frequencies, percentages, 100% stacked bars, mean score, ANOVA, and cate

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Stephen, Karanja, N. Wandiga Eunice, and Kahuthia Julius. "An Empirical Survey on the Effect of Business Alignment on the Organizational Performance of Microfinance Banks in Kenya." International Journal of Recent Research in Commerce Economics and Management (IJRRCEM) 10, no. 3 (2023): 178–86. https://doi.org/10.5281/zenodo.8351246.

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<strong>Abstract:</strong> Microfinance banks play a key role in complementing banks in the provision of financial services, especially to the population that is poor and lacks access to commercial banks. The performance of Microfinance banks has been on the decline in Kenya due to slow processing time, lack of new products, low number of customers and lack of staff retention. Microfinance banks offer financial services to a population that cannot get the same services from commercial banks due to the high costs. Microfinance banks in Kenya have been performing poorly in the last few years occ

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Andi Runis Makkulau, Muh. Nur, Wahyuni Rahmah, and Astriwati. "The influence of Risk Profile, Good Coorporate Government, Profitability, and Capital on Company Value in The Banking Sector on The Indonesian Stock Exchange." Atestasi : Jurnal Ilmiah Akuntansi 7, no. 2 (2024): 1427–45. https://doi.org/10.57178/atestasi.v7i2.1108.

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This study aims to determine and analyze: (1) The effect of risk profile on banking sector firm value; (2) The effect of good corporate governance on the banking sector's corporate value; (3) The effect of profitability on banking sector corporate value; (4) The effect of capital on the value of banking sector companies. The companies studied in this research were from the banking sector and belonged to the BOOK (Business Category Commercial Bank) 4 group, which included seven banks: Bank Central Asia (BBCA), Bank Mandiri (BBRI), Bank Mandiri (BMRI), Bank Negara Indonesia (BBNI), Bank Pan Indo

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Firdaus, Jemmy, Fakhry Zamzam, and Harsi Romli. "PENGARUH DETERMINASI PENYALURAN KREDIT TERHADAP PROFITABILITAS BANK UMUM TERDAFTAR DI BURSA EFEK INDONESIA (BEI)." Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, no. 2 (2021): 137–54. http://dx.doi.org/10.36908/esha.v6i2.205.

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This research aims to determine the influence of credit distribution determinations of Spread of Interest Rate (SIR), Loan to Deposit Ratio (LDR) and Non Perfoming Loan (NPL) against the profitability of commercial banks. The focus of research is on the banking industry listed on the Indonesia Stock Exchange (IDX). The population used in this research is a public bank listed on the Indonesia Stock Exchange in 2010-2018. This study uses multiple regression analysis methods with data processing techniques using 8 eviews. The test results proved that: 1) The increase in SIR has no effect on the p

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Mametov, Z. T., and A. K. Kekibaeva. "Development of a recipe for a tonic drink based on mathematical data processing." Journal of Almaty Technological University 148, no. 2 (2025): 73–81. https://doi.org/10.48184/2304-568x-2025-2-73-81.

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Currently, the production of soft drinks is one of the well-developed market segments. The production is aimed at obtaining drinks with various functional properties. Most consumers prefer new, competitive drinks aimed not only at creating an invigorating effect, but also at improving the health of the body as a whole. One of the types of such drinks are isotonics - these are drinks aimed at replenishing the water-salt balance in the body after active, sports loads. The purpose of the work is to create a recipe for a drink aimed at restoring the water-salt balance of the body, using natural in

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Pandey, Krishan Kumar, Abhishek Giri, Saket Sharma, and Anurag Singh. "PREDICTIVE ANALYSIS OF CLASSIFICATION ALGORITHMS ON BANKING DATA." International Journal of Innovative Research in Advanced Engineering 8, no. 5 (2021): 99–106. http://dx.doi.org/10.26562/ijirae.2021.v0805.003.

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The entire human activity is generating about 2.5 quintillion bytes of data per day. It is growing exponentially. The tremendous volume of data is getting generated by different banking services, including real-estate loan, deposit accounts services, credit card issuing service, commercial loan lending and many more. The bank data is used for business analytic that keeps eyes on past growth also Predictive analysis opens doors for future growth. For this project, during the predictive analysis, we used some historical data generated by an organization during loan processing. We intended to pre

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Nguyen, Van Binh, Minh Viet Pham, Thi Hai Yen Doan, Thuc Quyen Doan, and Thi Hoai Thu Ho. "Research on Factors Affecting Credit Risk of Joint Stock Commercial Banks on Vietnam Stock Market." International Journal of Professional Business Review 8, no. 10 (2023): e03949. http://dx.doi.org/10.26668/businessreview/2023.v8i10.3949.

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Design/methodology/approach: The article aims at identifying factors affecting credit risk of commercial banks in Vietnam. The study uses data collected from financial statements of 15 typical joint stock commercial banks out of a total of 27 joint stock commercial banks listed on the Vietnam stock exchange from 2012 to 2022 with panel data of 15 joint stock commercial banks for the period 2012 - 2022. The banks in the research data are the those with the largest total assets in the banking system. After collecting and processing data, research sample includes 165 observations and the study us

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SANDEEP PAMARTHI. "Optimizing PyFlink for high-throughput machine learning: Streaming feature engineering in banking." World Journal of Advanced Engineering Technology and Sciences 13, no. 2 (2024): 728–37. https://doi.org/10.30574/wjaets.2024.13.2.0549.

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Real-time feature engineering refers to transforming streaming data into meaningful features for machine learning models as events occur. This capability is critical in fraud detection for banking, where detecting anomalous transactions within seconds can prevent losses. Detecting fraud after hours or even minutes is often too late – by the time an offline system flags a fraudulent transaction, the funds may already be gone. Fraud detection systems must ingest transaction streams and compute features (e.g. recent transaction counts, spending velocity, geolocation patterns) continuously, enabli

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Wang, Yuqi. "Bank Marketing Prediction Based on XGBoost." Advances in Economics, Management and Political Sciences 193, no. 1 (2025): 14–23. https://doi.org/10.54254/2754-1169/2025.lh24150.

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Under the dual challenges of fintech evolution and digital transformation, commercial banks face increasing limitations in traditional marketing prediction methods, which struggle with static customer profiling, low data utilization, and poor adaptability to real-time demands. This study addresses these gaps by proposing an XGBoost-based predictive framework to enhance precision marketing and risk-adjusted returns in banking scenarios. We integrate multidimensional features, including static attributes (e.g., age, occupation) and dynamic behavioral indicators (e.g., consumer confidence index,

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Noman, Abu Hanifa Md, Md Amzad Hossain, and Sajeda Pervin. "An Investigation of Credit Risk Management Strategies of Private Commercial Banks of Bangladesh." Global Journal of Business and Social Science Review (GJBSSR) Vol. 2(2) 2014 2, no. 2 (2014): 77–87. http://dx.doi.org/10.35609/gjbssr.2014.2.2(10).

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Objective - The study aims to investigate credit risk management practices and credit risk management strategies of the local private commercial banks in Bangladesh. Methodology -The investigation is conducted based on primary data collected from a set of both closed end and open end questionnaire from 23 out of 39 local private commercial banks in Bangladesh. Descriptive statistics has been used in processing the data and interpreting the results. Findings - The results reveal that credit risk management practice of the sample banks is sound which is attributed to the appropriate implementati

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Jaya, Gladis Kusuma. "ANALISIS PENGARUH ROA, ROE, NPL, DAN LDR TERHADAP CAR DI PERBANKAN INDONESIA PERIODE 2004-2015." Jurnal Ekonomi dan Bisnis 21, no. 1 (2016): 21–29. http://dx.doi.org/10.24123/jeb.v21i1.1633.

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This research aims to analyze whether the Return On Asset (ROA), Return On Equity (ROE), Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) have significantinfluencesimultaneously and partially toward Capital Adequacy Ratio (CAR). This research classifiedthe verificativeresearch. The population is the national private commercial bank period 2004-2015. Sample was determined by the higher bank asset, a total of fivecompanies. The secondary data were taken such as from financialreport of Banks started from 2004 until 2013. The technique of data analysis in this research using panel regresi

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LUCIANEZ, A., M. A. HOLMES, and A. W. TUCKER. "Relationships between Processing Delay and Microbial Load of Broiler Neck Skin Samples." Journal of Food Protection 73, no. 1 (2010): 26–31. http://dx.doi.org/10.4315/0362-028x-73.1.26.

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The measurable microbial load on poultry carcasses during processing is determined by a number of factors including farm or origin, processing hygiene, and external temperature. This study investigated associations between carcass microbial load and progressive delays to processing. A total of 30 carcasses were delayed immediately after defeathering and before evisceration in a commercial abattoir in groups of five, and were held at ambient temperature for 1, 2, 3, 4, 6, and 8 h. Delayed carcasses were reintroduced to the processing line, and quantitative assessment of total viable count, coli

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Biasmara, Hanif Artafani. "Pengaruh Tingkat Suku Bunga, Inflasi, dan Kredit Bermasalah terhadap Penyaluran Kredit UMKM di Indonesia." Jurnal Manajemen Bisnis dan Kewirausahaan 6, no. 1 (2022): 95. http://dx.doi.org/10.24912/jmbk.v6i1.11438.

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Banks as intermediary institutions have a role in extending credit to the public. One of the loans provided by banks to the public is credit for Micro, Small, and Medium Enterprises (MSMEs). This research was conducted to analyze several factors consisting of Bank Indonesia (BI) interest rates or BI Rate, inflation, and bad credit or NPL that would affect MSME credit distribution. The research period is from 2011 to 2020. While the object sample consists of four banking groups, namely State-Owned Banks, Regional Development Banks, Foreign Exchange Commercial Banks, and Joint Venture Banks and

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W.A., Henry, and Justice E. "Risk Management Practices and Shareholders’ Return Using Evidence from Quoted Commercial Bank in Nigeria." African Journal of Economics and Sustainable Development 4, no. 3 (2021): 116–40. http://dx.doi.org/10.52589/ajesd-wphsgwbx.

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This study examined the effect of risk management practices on shareholders’ return of quoted commercial banks in Nigeria. Cross sectional data were sourced from financial statements of commercial banks and Central Bank of Nigeria Statistical bulletin from various years. Shareholders return was proxied by return on equity and return on assets while risk management practices were modeled by bank risk diversification, Basel risk compliance, credit monitoring and credit appraisal. Panel data methodology was employed while the fixed effects model was used as an estimation technique at 5% level of

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Otabek, Ma'mirjon ogli Azimov. "The use of digitalization and technologies in updating credit policy." «Yashil iqtisodiyot va taraqqiyot» jurnali 3, no. 4 (2025): 12–15. https://doi.org/10.5281/zenodo.15279681.

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In the context of rapid digital transformation, the modernization of credit policy has become an essentialrequirement for financial institutions. This article examines the theoretical foundations and practical aspects of digitalizationin credit management, highlighting the role of innovative technologies such as artificial intelligence, big data analytics,and blockchain in assessing creditworthiness and mitigating risks. The research methodology includes comparativeanalysis and case studies from selected commercial banks implementing digital credit solutions. The results reveal thatthe integra

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Sitanaya, Meliske. "ANALISIS TINGKAT PROFITABILITAS BANK DENGAN METODE RISK BASED BANK RATING." Jurnal Ekonomi dan Bisnis 22, no. 2 (2018): 69–82. http://dx.doi.org/10.24123/jeb.v22i2.1648.

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This research aims to analyze whether the, Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM),) and Capital Adequacy Ratio (CAR) have significantinfluencesimultaneously and partially toward Return On Asset (ROA). This research classifiedthe verifiation research. The population is conventional commercial bank period 2006-2015. Sample was determined by the higher bank asset, a total of ten companies. The secondary data were taken such as from financialreport of Banks started from 2006 until 2015. The technique of data analysis in this research using panel regressio

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Kushnir, Svitlana, and Serhii Zasoba. "ANALYSIS OF THE POTENTIAL AND OPPORTUNITIES FOR AGRICULTURAL PRODUCTION AND AGRICULTURAL PROCESSING IN UKRAINE." Green, Blue and Digital Economy Journal 1, no. 2 (2020): 52–56. http://dx.doi.org/10.30525/2661-5169/2020-2-10.

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The objective of the article is to study the possibilities of agricultural production and agricultural processing and search for the prospects of development of the industry of Ukraine. Methodology. The following analyses are carried out: profitability and cost-effectiveness (rate of return) of the agricultural products, the level of consumption of basic food products in Ukraine, availability of agricultural machinery at agricultural enterprises, the structure and growth rate of purchase of agricultural machinery at agricultural enterprises of Ukraine. Results. It is proved that a low level of

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Otosi, F. Bassey, Fina Otosi Faithpraise, and Ije Ubi. "Exploring the Impact of Innovation practices, Technologies on the Operational Efficiency of Commercial Banks in Nigeria." Shodh Sari-An International Multidisciplinary Journal 03, no. 04 (2024): 03–23. http://dx.doi.org/10.59231/sari7743.

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In the rapidly evolving financial landscape, innovation has become a critical driver of operational efficiency for commercial banks. This study explores the impact of technological and process innovations on the operational efficiency of commercial banks in Nigeria. It aims to understand how innovative practices and technologies influence cost reduction, service delivery, customer satisfaction, and overall financial performance. Using a straightforward random sampling technique and a descriptive survey design, the study selected 388 participants at random from the 97,026 commercial bank employ

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Jimoh, L. O., K. M. Idris-Adeniyi, F. O. Ajayi, and H. T. Yakubu. "Socio-economic analysis of different palm oil processing techniques in Olorunda Local Government Area, Osun State, Nigeria." Agricultural Science and Technology 16, no. 4 (2024): 122–31. https://doi.org/10.15547/ast.2024.04.048.

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Abstract. The study analyzed comparative returns on investment of oil palm processing under different techniques in Olorunda Local Government area, Osun State, Nigeria. Data were collected between March and May, 2022 from 120 processors and analyzed to describe the socio-economic characteristics of oil palm processors, the net return on production, the determinants of oil palm output and major constraints encountered in oil palm processing in the study area. Multi-stage sampling procedures were used to select processors for the study. Primary data were collected with the aid of semi-structured

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Slamet, Slamet, Peny Cahaya Azwari, and Rika Lidyah. "PENGARUH PEMBIAYAAN MURABAHA, MUDHARABAH DAN MULTI JASA TERHADAP PENCAPAIAN PROFITALITAS DAN PENGENDALIAN NON PERFORMING LOAN PADA BANK PEMBIAYAAN SYARI’AH." JURNAL ILMIAH GLOBAL EDUCATION 4, no. 3 (2023): 1900–1913. http://dx.doi.org/10.55681/jige.v4i3.1237.

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Islamic Finance Bank which is identical to the micro and small business sector that is not touched by commercial banks, both conventional and Islamic. This research was conducted to analyze the extent of the influence of Murabaha, Mudharobah and Multi Service Financing on Profitability and Non Performance Finance. Risert used is quantitative method, data in the form of numbers either extracted directly from the results of research or the results of processing qualitative data into quantitative data. Data collection techniques through documentation and analyzed through multiple regression tests

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Rofeekee, Wanlem, Aujirapongpan Somnuk, and Songkajon Yaninee. "Strategies for Adapting to the Increased Labor and Fuel Costs for Commercial Fishing Boat Operators: Case Study in Tha Sala District, Nakhon Si Thammarat Province, Thailand." International Journal of Current Science Research and Review 06, no. 05 (2023): 2798–802. https://doi.org/10.5281/zenodo.7913130.

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Abstract : The objective of this study is twofold: 1) to examine the cost and return structure of commercial fishing boat operators in Tha Sala district, Nakhon Si Thammarat province, and 2) to study the adjustment strategies and assistance measures for the group of commercial fishing boat operators in Tha Sala district, Nakhon Si Thammarat province. The sources of data used in this research are 1) commercial fishing boat operators in Tha Sala district, Nakhon Si Thammarat province, and 2) government agencies related to commercial fishing boats. The study will use a snowball sampling technique

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Pan, Luyu. "Integrated development of inclusive finance and green finance promotes rural revitalization." Advances in Economics and Management Research 1, no. 2 (2022): 193. http://dx.doi.org/10.56028/aemr.1.2.193.

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In 2016, China put forward the topic of green finance and inclusive finance at the G20 Summit in Hangzhou. Since then, more and more scholars in China have paid attention to the possibility and influence of the integrated development of green finance and inclusive finance. In recent years, China has gradually established a domestic green financial market system through a series of measures such as issuing green financial standards, disclosure requirements and encouraging green financial product innovation. According to data from the National Statistical Bulletin, by the end of 2021, the loan b

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Pan, Luyu. "Integrated development of inclusive finance and green finance promotes rural revitalization." Advances in Economics and Management Research 2, no. 1 (2022): 193. http://dx.doi.org/10.56028/aemr.2.1.193.

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In 2016, China put forward the topic of green finance and inclusive finance at the G20 Summit in Hangzhou. Since then, more and more scholars in China have paid attention to the possibility and influence of the integrated development of green finance and inclusive finance. In recent years, China has gradually established a domestic green financial market system through a series of measures such as issuing green financial standards, disclosure requirements and encouraging green financial product innovation. According to data from the National Statistical Bulletin, by the end of 2021, the loan b

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Kowsar, Md Masud, Mohammad Mohiuddin, and Hosne Ara Mohna. "CREDIT DECISION AUTOMATION IN COMMERCIAL BANKS: A REVIEW OF AI AND PREDICTIVE ANALYTICS IN LOAN ASSESSMENT." American Journal of Interdisciplinary Studies 04, no. 04 (2023): 01–26. https://doi.org/10.63125/1hh4q770.

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The increasing integration of artificial intelligence (AI) and predictive analytics in commercial banking has fundamentally transformed credit decision-making, enabling faster, more accurate, and more inclusive loan assessment processes. This systematic review aims to synthesize the current academic and empirical literature on AI-powered credit decision automation, with particular attention to methodological advancements, operational efficiency, financial inclusion, ethical governance, and regulatory challenges. Using the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRIS

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Issa, Walid, Jose Ortiz Gonzalez, and Olayiwola Alatise. "Switching and Frequency Response Assessment of Photovoltaic Drivers and Their Potential for Different Applications." Micromachines 15, no. 7 (2024): 832. http://dx.doi.org/10.3390/mi15070832.

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Newly introduced Photovoltaic (PV) devices, featuring a built-in chip with an illuminating Light Emitting Diode (LED), have emerged in the commercial market. These devices are touted for their utility as both low- and high-side power switch drivers and for data acquisition coupling. However, comprehensive knowledge and experimentation regarding the limitations of these Photovoltaic Drivers in both switching and signal processing applications remain underexplored. This paper presents a detailed characterization of a Photovoltaic Driver, focusing on its performance under resistive and capacitive

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Balsi, Marco, Monica Moroni, Valter Chiarabini, and Giovanni Tanda. "High-Resolution Aerial Detection of Marine Plastic Litter by Hyperspectral Sensing." Remote Sensing 13, no. 8 (2021): 1557. http://dx.doi.org/10.3390/rs13081557.

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An automatic custom-made procedure is developed to identify macroplastic debris loads in coastal and marine environment, through hyperspectral imaging from unmanned aerial vehicles (UAVs). Results obtained during a remote-sensing field campaign carried out in the seashore of Sassari (Sardinia, Italy) are presented. A push-broom-sensor-based spectral device, carried onboard a DJI Matrice 600 drone, was employed for the acquisition of spectral data in the range 900−1700 nm. The hyperspectral platform was realized by assembling commercial devices, whereas algorithms for mosaicking, post-flight ge

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Reesman, Cole, Morgan Denzer, Gary Sullivan, et al. "229 Effects of High-Pressure Processing on Cooked Color and Sensory Attributes of Dark-Cutting Beef." Journal of Animal Science 100, Supplement_3 (2022): 102. http://dx.doi.org/10.1093/jas/skac247.199.

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Abstract Consumers often use meat color to determine doneness. A greater than normal pH of dark-cutting (DC) beef leads to less myoglobin denaturation, resulting in a persistent pink color that negatively impacts the perception of consumers of the cooked beef degree of doneness. High-Pressure Processing (HPP) is a non-thermal pasteurization technology to extend shelf-life. High pressure leads to denaturation of proteins and structural changes. There has been limited research and application utilizing HPP on fresh meat due to the pale color caused by HPP. The objective of the study was to evalu

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