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Journal articles on the topic 'Credit policy of bank'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

D., Ayodele Thomas, and Raphael O. Alabi. "The Impact of Credit Policy on the Performance of Nigerian Commercial Banks." International Finance and Banking 1, no. 2 (2014): 40. http://dx.doi.org/10.5296/ifb.v1i2.6808.

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The major financial intermediary in any economy is the bank. As financial intermediaries, banks provide means by which funds can be transferred from the surplus unit of the economy to the deficit unit. This role is performed primarily through the acceptance of deposits of different categories and characteristics for onward lending to the numerous customers by way of loans and credits. The study tries to access the impact of credit policy on the performance of Nigerian Commercial Banks using Zenith Bank Plc as case study. Primary data were collected through questionnaires served on sixty (60) r

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Dawood, Taufiq Carnegie. "Monetary Policy, Foreign Interest Rate impact on Indonesian Bank Credit." JEJAK 11, no. 2 (2018): 338–55. http://dx.doi.org/10.15294/jejak.v11i2.16056.

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This study adds to the economic knowledge by presenting proof based on data for Indonesia, on the consequence to credit provided by domestic banks, due to changes of monetary policy and foreign rates of interest. The subject matter is important for Indonesia because about 88 percent of its overall financing to the private sector in Indonesia are provided by domestic banks through credit channels. Consequently fluctuations of bank credit have significant impact on Indonesia’s financial system’s stability. Applying the Structural VAR method, the current study found that credit channeled by domes

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KARPOVA, T. S. "THE ESSENCE OF THE CREDIT POLICY OF BANKS WITH FOREIGN CAPITAL AND THE PECULIARITIES OF ITS IMPLEMENTATION." Herald of Kiev Institute of Business and Technology 42, no. 4 (2019): 51–56. http://dx.doi.org/10.37203/kibit.2019.42.08.

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In our country the question of developing a credit policy remains important and paramount, so far there is no single answer to it. The article proposes the point of view of scientists on the concept of "credit policy", which is a system of principles established by the central bank and the state in the credit sphere with the purpose of regulating the credit process in banks. Credit policy should form the content of the loan portfolio and establish standards for making credit decisions, it is analyzed its direction. The principles of balanced credit policy, as well as its main stages, are syste

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Feng, Tongyue, Jiexiang Xu, Zehan Zhou, and Yilang Luo. "How Green Credit Policy Affects Commercial Banks' Credit Risk?" Journal of Cases on Information Technology 26, no. 1 (2023): 1–21. http://dx.doi.org/10.4018/jcit.333858.

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The green credit policy has significantly influenced the growth of green industries in China. This study evaluates its impact on reducing bank credit risk using data from 26 Chinese banks from 2015 to 2021. The authors discovered that the policy's primary effect is linked to banks' financial leverage. Notably, green credit's influence on insolvency risk is most evident in leverage risk. However, despite governmental support for green credit collaboration, prevalent information gaps between banks and green enterprises lead to misjudgments and subsequent credit losses. To address the balance bet

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Ademokoya, Alade Ayodeji, Mubaraq Sanni, Lukman Adebayo Oke, and Segun Abogun. "Impact of Monetary Policy on Bank Credit in Nigeria." Journal of Accounting Research, Organization and Economics 3, no. 3 (2020): 196–205. http://dx.doi.org/10.24815/jaroe.v3i3.17879.

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Objective – The aim of this study is to examine the impact of monetary policy on credit creation ability of banks in Nigeria. Specifically, it investigates the impact of monetary policy rate, money supply, liquidity ratio, and change in maximum lending rate on bank credit in Nigeria. Design/methodology – A monthly time series data from 2007-2019 were sourced from the Central Bank’s of Nigeria statistical bulletin. The sourced data was subjected to multiple regression analysis using the fully modified ordinary least square regression to estimate the parameters of the model. Results – Findings r

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Amalia, Sopira Qori, and Suriani Suriani. "Do Interest Rate Policy and Liquidity Effect on Banking Credit Risk in Indonesia?" Signifikan: Jurnal Ilmu Ekonomi 12, no. 1 (2023): 145–60. http://dx.doi.org/10.15408/sjie.v12i1.27119.

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Lending plays a vital role for banks as a source of income from deposits or interest paid by debtors. This study aims to analyze the effect of policy interest rates and liquidity from the money supply on bank credit risk in Indonesia in the short and long term. This study uses the Autoregressive Distributed Lag method and the Granger Causality test as analytical tools. The data used are policy interest rates, total money supply, and total non-performing loans. The data period under study is 2017-2022. The study results show that in the short term, policy interest rates and the money supply neg

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Utari, Fenti, and Viverita Viverita. "The Effect of Credit Risk and Bank Size on Bank Profitability in Indonesia Before and During the Covid-19 Pandemic." Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 7, no. 3 (2024): 8310–33. https://doi.org/10.31538/iijse.v7i3.5956.

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This study empirically examines the effect of credit risk using a new measure that is influenced by stimulus policy in Indonesia and bank size on the profitability of Indonesian banks during the Covid-19 pandemic. It employed the Generalized Method of Moments (GMM) Dynamic Model to obtain an overview of the effectiveness of the relaxation policy in maintaining the profitability of Indonesian banks. The stimulus policy by the regulator during the COVID-19 pandemic changed the credit risk calculation and this research contributed by using credit risk measurement adjusted to the stimulus policy b

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Ивченко, Юлия, and Yuliya Ivchenko. "Company credit policy as a factor in its effective and long-term development." Russian Journal of Management 2, no. 3 (2014): 123–36. http://dx.doi.org/10.12737/10590.

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The scientific and practical publications and regulatory sources for essence credit policy of the firm are analyzed. Based on the analysis it was concluded that there is no unified approach to the content of the term «company credit policy». The credit policy of the firm as a set of principles and methods for management of accounts receivable and the provision of trade credit to buyers; management of payables and bank credits as the main sources of borrowed working capital; management of free cash in the form of giving commercial loans to other companies and opening bank deposits examined.

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9

Eburajolo, Courage Ose, and Leonard Nosa Aisien. "IMPACT OF COMMERCIAL BANKS’ CREDIT TO THE REAL SECTOR ON ECONOMIC GROWTH IN NIGERIA." Oradea Journal of Business and Economics 4, no. 1 (2019): 38–46. http://dx.doi.org/10.47535/1991ojbe058.

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The study examined the effect of commercial bank sectorial credit to the manufacturing and agricultural sub-sectors on economic growth in Nigeria with time series data from 1981 to 2015, using co-integration and error correction mechanism for the empirical work. A three equation model was specified to analyze this study, and the variables include; real GDP, bank sectorial credit to manufacturing and agriculture subsectors, monetary policy rate, financial market development, sourced from CBN statistical bulletin and also the interaction variables. The variables were tested for unit root using t

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10

Chatterjee, Ujjal K., John M. Downs, Aref A. Hervani, and Joseph J. French. "Credit Constraints and Bank Failures: A Macroprudential Perspective on the U.S. Commercial Banking Sector." International Journal of Business and Management 18, no. 5 (2023): 100. http://dx.doi.org/10.5539/ijbm.v18n5p100.

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We examine the impact of economy wide credit tightening on bank failures and investigate the relationship between bank failures and tighter monetary policy while accounting for bank balance sheet variables. Using a sample of U.S. banks from 1984 to 2020, we find the following: i) increases in corporate credit spreads lead to a significant increase in aggregate bank failures; ii) lower aggregate bank return on equity and higher allowances for loan losses are associated with a higher incidence of bank failures; iii) no robust evidence suggesting that tighter monetary policy drives higher bank fa

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PRAO, Yao Séraphin, Brou Emmanuel AKA, and N’guessan Ferdinand Nicaise DJA. "Threshold Effect in the Bank Lending Channel of Monetary Policy Transmission and the Role of Bank Portfolio Deterioration: A PSTR Specification in the WAEMU Zone." International Research in Economics and Finance 7, no. 1 (2023): 1. http://dx.doi.org/10.20849/iref.v7i1.1355.

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The objective of this paper is to analyse the influence of monetary policy on credit supply in the WAEMU zone over the period 1996-2017. The study focuses on the WAEMU countries, except for Guinea-Bissau, due to the unavailability of sufficient data. We apply the Panel Smooth Transition Regression (PSTR) model of Gonzalez et al. (2005). The results reveal the non-linearity of the link between monetary policy and credit supply. There is a threshold of credit risk exposure of 8.726% above which monetary policy loses its effectiveness. Indeed, monetary policy has a positive effect on the supply o

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Morgan, Donald P. "Bank Credit Commitments, Credit Rationing, and Monetary Policy." Journal of Money, Credit and Banking 26, no. 1 (1994): 87. http://dx.doi.org/10.2307/2078036.

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13

Faisal, Faisal Ghazi. "Analysis of The Impact of Monetary Policy in Bank Credit: An Applied Study On the Iraqi Banking Sector Using The NARDL Model from 2005 To 2021." Journal of AlMaarif University College 33, no. 4 (2022): 271–95. http://dx.doi.org/10.51345/.v33i4.666.g312.

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The study aimed to analyze the impact of monetary policy on bank credit in Iraq. We depended on the application of standard methods by applying a Nonlinear Autoregressive Distributed Lag (NARDL), based on monthly data for a time series for the period (2005 - 2021). The results showed a positive, long-term positive shock relationship to the independent variables (money supply, policy interest rate, inflation and bank deposits) on the dependent variable (bank credit), while the results did not show an effect of long-term negative shocks by the independent variables (money supply, price of money,

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Emyliani, Feny Putri, Dwi Wulandari, Siti Rosnita Sakarji, and Bagus Shandy Narmaditya. "Macroprudential Policy on Banking Sector in Indonesia." TRIKONOMIKA 17, no. 1 (2018): 1. http://dx.doi.org/10.23969/trikonomika.v17i1.815.

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This study investigates the implementation of macroprudential policy on banking sector and society. The research applied a descriptive analysis by using an in-depth interview with Bank Indonesia, representative of commercial bank, and society. The result showed that macroprudential policy has no impact on individual, but it had an impact on industrial banking specifically on bank credit lending which caused by LTV regulation. The society responses to the LTV policy is that the majority do not object to the imposition of a maximum limit for housing credit enacted by bank because of the relative

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15

Fratzscher, Marcel, and Malte Rieth. "Monetary Policy, Bank Bailouts and the Sovereign-Bank Risk Nexus in the Euro Area*." Review of Finance 23, no. 4 (2018): 745–75. http://dx.doi.org/10.1093/rof/rfy024.

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Abstract The article analyses the empirical relationship between bank credit risk and sovereign credit risk in the euro area, using a system of simultaneous equations identified through heteroskedasticity. We first confirm a two-way causality between both risks, which amplifies initial credit risk shocks. We also document significant credit risk spillovers between sovereigns and banks in the periphery and the core countries. The article then focuses on the impact of ECB non-standard monetary policy and bank bailout policies. We show that bailouts have reduced both risks. Monetary policy lowere

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16

Yang, Yi-Chih, and Hsien-Pin Liu. "Determinants of banking sector’s credit granting policy for the yacht industry in Taiwan." Maritime Business Review 1, no. 1 (2016): 55–75. http://dx.doi.org/10.1108/mabr-03-2016-0002.

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Purpose This paper aims to investigate bank credit policies and uncover yacht building finance assessment factors from bank credit policies toward the yacht industry. Design/methodology/approach This study’s questionnaire attempts to identify survey respondents’ degrees of awareness through difference analysis, and then uses entropy weighting and gray relational analysis to discover priority ranking order of bank credit assessment considerations from the perspective of Taiwan’s banking sector. Findings The research findings show that yacht builders have to review their ship financing applicati

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17

Pardede, Josua Navirio, and Wigati Taberi Asih. "Realizing Justice through the Credit Restructuring Policy Due to The Spread of Covid-19." Unram Law Review 4, no. 2 (2020): 98–111. http://dx.doi.org/10.29303/ulrev.v4i2.119.

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This study aims to find an overview of the bank credit restructuring policy and the realization of the fair value of the government policy. The stimulus provided was in the form of restructuring bank credit due to the spread of Covid-19. The research method used is a normative juridical research method with a statutory approach and a conceptual approach. This study uses secondary legal data in the form of primary legal materials, namely POJK No. 11 / POJK.03 / 2020, and secondary legal materials, namely books, journals, and other literature related to research problems. Based on the results of

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18

Zhang, Xing, Fengchao Li, Zhen Li, and Yingying Xu. "Macroprudential Policy, Credit Cycle, and Bank Risk-Taking." Sustainability 10, no. 10 (2018): 3620. http://dx.doi.org/10.3390/su10103620.

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This paper constructs a theoretical model to analyze the effect of macroprudential policies (MPPs) on bank risk-taking. We collect a data set of 231 commercial banks in China to empirically test whether macroprudential tools, including countercyclical capital buffers, reserve requirements, and caps on loan-to-value, can affect bank risk-taking behaviors by using the dynamic unbalanced panel system generalized method of moment (SYS-GMM). The results provide further evidence on the important role of MPPs in maintaining financial stability, which helps mitigate financial system vulnerabilities. B

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19

Radius, Radius. "GLOBALISASI PERBANKAN DAN EFEKTIVITAS KEBIJAKAN MONETER DALAM PERSPEKTIF CREDIT CHANNEL." Jurnal Ekonomi dan Pendidikan 17, no. 1 (2020): 37–47. http://dx.doi.org/10.21831/jep.v17i1.29429.

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Abstrak: Penelitian berfokus pada analisis dampak kepemilikan modal asing pada pertumbuhan kredit bank serta kaitannya dengan efektivitas transmisi kebijakan moneter credit channel. Menggunakan data panel individu bank BUKU 3 dan BUKU 4 di Indonesia, analisis dilakukan terhadap tiga kelompok bank berdasarkan jenis kepemilikannya yaitu Bank Pemerintah, Bank Domestik dan Bank Asing. Hasil estimasi pada model regresi menunjukkan secara empiris bahwa globalisasi berdampak terhadap pertumbuhan kredit bank secara spesifik pada bank dengan modal asing sebagai saham pengendali utama. Temuan yang menar

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Nguyen, Nam V., Ngoc T. Nguyen, and Mai T. T. Ngo. "Bank Ownership vs Credit Growth: Empirical Evidence from Vietnamese Commercial Banks." International Journal of Research and Review 8, no. 11 (2021): 32–43. http://dx.doi.org/10.52403/ijrr.20211106.

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This paper is aimed at analyzing the relationship between bank ownership and credit growth of Vietnamese commercial banks. With the data of 20 commercial banks in period 2009-2018 period, the REM method is applied. The key findings are: First, credit growth rate of state-owned commercial banks in Vietnam is higher than of private commercial banks, which is opposite to the expected signal. The main reasons are (i) decision making of state-owned commercial banks on lending are backed by the government, which is more straight-forward than private banks; (ii) State Bank of Vietnam considers credit

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21

Meng, Juan. "Analysis of the Mediating Effect of Economic Policy Uncertainty Affecting Commercial Bank Credit." Financial Economics Letters 1, no. 1 (2022): 13–20. http://dx.doi.org/10.58567/fel01010002.

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We analyze the annual microdata of China's 100 commercial banks from 2007 to 2018 using the mediating effect analysis method, analyze the negative impact of economic policy uncertainty on the credit scale of commercial banks, and then verify the intermediary effects of the operational risks and short-term capital liquidity of commercial banks in the impact of economic policy uncertainty on the scale of commercial bank credit, separately. Moreover, we find that non-state-owned commercial banks, large-scale commercial banks, low-leverage commercial banks, and commercial banks with low profitabil

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22

C. M., Okafoforcha,, Anumudu, C. N., Uwazie, I. U., and Sule, M. "Monetary Policy Effect on the Nigeria Agricultural Sector Growth 1980 - 2020." African Journal of Social Sciences and Humanities Research 7, no. 4 (2024): 1–16. http://dx.doi.org/10.52589/ajsshr-evjftyqo.

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This study explored the effect of monetary policy on the Nigeria agricultural sector growth, from 1980-2020. The objectives are to: ascertain the significant effect of the Central Bank of Nigeria's monetary policy rate (MPR), open market operations and cash reserve ratio implementation on commercial banks’ credit lending rate to Nigeria's agricultural sector, and examine the selective sectoral credit control policy of Central Bank of Nigeria and how it affects commercial banks’ credit lending rate to Nigeria agricultural sector. The study employed the following advanced econometric and statist

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Hidayat, Taufiq, Dian Masyita, Sulaeman Rahman Nidar, Erie Febrian, and Fauzan Ahmad. "The Effect of COVID-19 to Credit Risk and Capital Risk of State-Owned Bank in Indonesia: A System Dynamics Model." WSEAS TRANSACTIONS ON BUSINESS AND ECONOMICS 18 (July 19, 2021): 1121–36. http://dx.doi.org/10.37394/23207.2021.18.106.

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The global COVID-19 pandemic has greatly affected people, especially in the economic and banking sectors. The Indonesian Financial Services Authority (Otoritas Jasa Keuangan, OJK) issued a credit restructuring policy, effective from March 2020 to March 2022, to reduce credit and bank capital risk. This study proposes the bank risk scenario after the credit restructuring policy of the OJK moratorium in March 2022 and proposes the internal bank policy simulation to mitigate credit and capital risks in terms of Non-Performing Loan (NPL) and Capital Adequacy Ratio (CAR). The difficulty of this stu

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Yan, Huan, Weiguo Xiao, Qi Deng, and Sisi Xiong. "How Does Fiscal Policy Affect Bank Credit? Evidence from China." Discrete Dynamics in Nature and Society 2021 (December 23, 2021): 1–8. http://dx.doi.org/10.1155/2021/6790245.

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Using a set of Chinese economic data and a structural vector autoregression (SVAR) model, this paper investigates the transmission channels of fiscal policy to bank credit in China. We find that increases in tax revenue can increase bank credit through external financing premium channel, collateral channel, and bank liquidity channel. We also find that increases in government spending can reduce bank credit through bank liquidity channel and increase bank credit through external financing premium channel and collateral channel.

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Kabak, Hande. "Alternative Analysis of Bank Lending Channel in Turkey After 2010." Ekonomik Yaklasim 34, no. 127 (2023): 109. http://dx.doi.org/10.5455/ey.27003.

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Traditional bank lending channel in the monetary transmission explains the relationship between monetary policies of Central Banks and the bank lending behavior. In this article, the existence of traditional bank lending channel and an alternative analysis of bank lending in the monetary transmission of Turkey is investigated between 2011 and 2018 using bank level data and GMM method. Additionally, we indicate whether the reaction of banks differ according to their bank specific caharacteristics. Asset quality, capital adequacy, liquidity ratio, asset size and profitability rates are used as b

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Adebisi Olonila, Aanuoluwapo, Ditimi Amassoma, and Bayode Olusanya Babatunde. "Impact of Monetary Policy on Credit and Investment in Nigeria (1981 – 2020)." Financial Markets, Institutions and Risks 7, no. 1 (2023): 136–44. http://dx.doi.org/10.21272/fmir.7(1).136-144.2023.

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In auspicious macroeconomic setting, monetary policy should increase credit availability, particularly in the real sector, to spur investment; however, this is not the case in the Nigerian economy. In this study, the impact of monetary policy on bank credit and investment in Nigeria from 1981 to 2020 was investigated. The central bank of Nigeria’s statistics bulletin was the source of the data used in this study. Using the data gathered, the study used Auto-Regressive Distributed Lag (ARDL). The study’s findings indicate that bank loans and investment have a long-term association with monetary

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ISSAOUI, Ibtissem, and Mahmoud-Sami NABI. "Liquidity Shocks and The Bank Lending Channel: Evidence from Lower-Middle Income Economies." International Journal of Business and Management Research 10, no. 2 (2022): 40–52. http://dx.doi.org/10.37391/ijbmr.100202.

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This paper examines the impacts of central banks’ liquidity injections on commercial banks’ credit supply in thirty-two lower-middle income economies over the period 1990 until 2020. We use a SVAR panel model to analyze the dynamic interactions between the central bank balance sheet policy, bank liquidity, and bank lending. The results show that liquidity injections have a non-significant impact on the credit to the private sector and a persistent positive impact on banks’ liquid reserves. These results confirm the inefficiency of the bank lending channel in transmitting the central bank balan

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Kochergin, D. A., and A. I. Yangirova. "Central bank Digital Currencies: Key Characteristics and Directions of Influence on Monetary and Credit and Payment Systems." Finance: Theory and Practice 23, no. 4 (2019): 80–98. http://dx.doi.org/10.26794/2587-5671-2019-23-4-80-98.

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The article is devoted to the study of prospects for digital currency issue by central banks as a new form of central bank money and to the potential of their influence on monetary and credit system. The aim of the article is to interpret and classify central bank digital currencies, to identify key characteristics of digital currencies and possible models of their issue, as well as to define the main directions of influence of digital currencies on the monetary and credit and payment systems. The scientific novelty of the article is in the systematization and comparison of different ideas abo

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Bernauer, Thomas, and Vally Koubi. "Banking Regulation in Hard Times: Business Cycles, Bank Capital, and the Bank Failure - Credit Crunch Dilemma." Journal of Public Policy 22, no. 1 (2002): 61–75. http://dx.doi.org/10.1017/s0143814x02001034.

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Restrictive policies aimed at reducing the likelihood of bank failures during recessions tend to increase the probability of a credit crunch. We examine whether this policy-dilemma is empirically observable, and whether policy-makers concentrate more on preventing bank failures or avoiding a credit crunch. We find that although capital-asset ratios in the total population of US banks in the 1990s are pro-cyclical, the most vulnerable banks (substantially undercapitalized ones) tend to increase their capital-asset ratios during recessions. These findings suggest that policy-makers are indeed ex

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Ucheoma Austie Ehimare. "Macroprudential policy and credit risk management in Nigerian banks: An empirical analysis." International Journal of Science and Research Archive 15, no. 3 (2025): 1148–53. https://doi.org/10.30574/ijsra.2025.15.3.1844.

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The research considers how macroprudential policy has affected how Nigerian banks manage their credit risk, from 2020 to 2024. A quantitative approach is used to look at data from Zenith Bank, First Bank of Nigeria, Access Bank, Guaranty Trust Bank (GTBank) and United Bank for Africa (UBA), together with macroprudential and macroeconomic data from the Central Bank of Nigeria (CBN) and National Bureau of Statistics (NBS). The authors use panel data regression to evaluate if relationships exist between macroprudential tools (CAR, CCB and LDR) and credit risk measures (NPL ratios and LLP). The st

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Mohanti, Debaditya, and Souvik Banerjee. "Credit channel of monetary policy transmission: Evidence from India." Investment Management and Financial Innovations 21, no. 2 (2024): 287–99. http://dx.doi.org/10.21511/imfi.21(2).2024.23.

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The present study explores the effectiveness of the credit channel of monetary policy transmission in India from the perspective of magnitude, timing, and composition puzzles. To validate, further investigation of the effectiveness of the balance sheet channel and bank lending channel using the corporate cash flows and interest rate spreads, respectively, has been done. The study employs the structural vector autoregression model using the long-time quarterly series sample period from June 1998 to June 2022. The findings show that the anomalies concerning magnitude, timing, and composition eff

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Siqani, Shqipdona Hashani, and Edona Sekiraca. "The Impact of the Internal Audit in Reducing Credit Risk in Commercial Banks in Kosovo." European Scientific Journal, ESJ 12, no. 4 (2016): 268. http://dx.doi.org/10.19044/esj.2016.v12n4p268.

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Credit risk represents the vast majority of the risk in the context of estimating the capacity of the transfer of risk from commercial banks. Any commercial bank operating, in Kosovo, must have a system for managing credit risk. An important and essential process, such as the management of the credit risk, cannot be carried out without the aid of internal audit. From the survey results, it was concluded that the process of auditing the banks recommended the implementation of policies for managing credit risk of the respective commercial bank’s policy. This also include the policy of credit ris

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Романова, Г., G. Romanova, Н. Ковтунов, and N. Kovtunov. "Improving the Credit Policy of Commercial Banks." Auditor 5, no. 5 (2019): 51–57. http://dx.doi.org/10.12737/article_5cde7973c529a6.31562205.

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Th e article discusses the main problems of lending by commercial banks in modern conditions. Th e experience of consumer lending in European countries is studied. Based on the analysis, proposals were developed for improving the credit policy of Bank “Primorye”, and measures to minimize credit risk were proposed.

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Yeniwati, Yeniwati. "Determinan Suku Bunga dan Likuiditas Bank Terhadap Pertumbuhan Kredit di Indonesia." Jurnal Ecogen 3, no. 2 (2020): 200. http://dx.doi.org/10.24036/jmpe.v3i2.8762.

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This study aims to determine the effect of the interest rate (BI rate) on bank credit growth in Indonesia, liquidity on bank credit growth in Indonesia and determine the effect of interest rates and liquidity on bank credit growth in Indonesia. The method used in this study is Ordinary Least Square (OLS) using secondary data from 2009 Quarter I to 2018 Quarter IV. The results of the analysis showed that there was an influence between interest rates on bank credit growth in Indonesia, there was an influence between liquidity on bank credit growth in Indonesia. Together there is an influence bet

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Ramzaeva, E. P., and O. V. Kravchenko. "The analysis of the loan portfolio and credit risk in a commercial bank." Vektor nauki Tol'yattinskogo gosudarstvennogo universiteta. Seriya Ekonomika i upravlenie, no. 3 (2022): 47–53. http://dx.doi.org/10.18323/2221-5689-2022-3-47-53.

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The implementation of a competent credit policy, the formation of a balanced loan portfolio, and the minimization of a level of credit risk are the main tasks of banking management. Credit operations of commercial banks have been and remain the most profitable and the banking sector profitability directly affects the financial market sustainable development. The main purpose of the study is to analyze the commercial bank credit activity and a credit risk on the example of the HCF Bank LLC commercial bank. The paper analyzes the structure of the bank’s loan portfolio, the overdue debt level, an

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Nur, Fajriani, and Nurasri Sudarmawan Barianto. "Microprudential Policy in Maintaining Bank Stability." Journal of Economics, Finance And Management Studies 5, no. 06 (2022): 1673–80. https://doi.org/10.5281/zenodo.6651847.

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The purpose of this study was to determine the effect of microprudential policy as measured by liquidity risk (LDR), credit risk (NPF), market risk (NIM) and operational risk (BOPO) on the stability of state-owned banks in Indonesia as measured using the Z-score. Where the sample in this study uses a purposive sampling method obtained by 7 banks BUMN in Indonesia and uses Panel Data Regression analysis. The tool used in this research is Eviews 12.0. The results of this study found that liquidity risk has a significant posi-tive effect on the stability banks in Indonesia, credit risk has a posi

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Al-abedallat, Abedalfattah Zuhair. "Factors Affecting Credit Risk: An Empirical Study of the Jordanian Commercial Banks." European Scientific Journal, ESJ 12, no. 34 (2016): 307. http://dx.doi.org/10.19044/esj.2016.v12n34p307.

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The problem of the study shows that various Banks suffer from many types of banking risks. This has significantly affected banks' profits. The credit risk is considered to be the major risks to commercial banks. Also, the study aimed to identify the various factors that are affecting credit risk. The study findings shows that there is significant statistical impact of the factors (the efficiency of workers in the banking credit, the instructions of the Central Bank, and the credit policy of the bank) on the credit risks in the Jordanian commercial banks. The study rejected the null hypotheses

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Adalı, Zafer, and Bilgin Bari. "Monetary Policy And Bank Lending Chanel in Turkey." International Journal of Finance & Banking Studies (2147-4486) 6, no. 2 (2017): 24. http://dx.doi.org/10.20525/ijfbs.v6i2.739.

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<p><em>The main purpose of this study is to evaluate whether the bank lending channel exist or not. Within this context, quarterly data of for the periods between 2002q1 and 2016q4 was taken into the consideration. Additionally, VAR model was used to reach the objective. According to the result of impulse response function, it was reached that</em><em> producer price index, real exchange rate and policy rate are effective determinants. Additionally, banks balance sheet has important and positive influence on total credits but industrial production index is regarded as p

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Dr. Nasir Munir, Dr. Zoya Wajid Satti, Muhammad Omair khan, and Naila Zulqarnain. "Credit Supply Response to Monetary Policy: Evidence from Pakistan." Journal for Social Science Archives 3, no. 2 (2025): 98–109. https://doi.org/10.59075/jssa.v3i2.220.

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The research analyzes the effects of monetary policy on banking credit supply in Pakistan by filling a significant research gap by simultaneously studying bank-specific qualities combined with macroeconomic elements from an emerging economic perspective. The study incorporates 24 Pakistani commercial banks and 17 years of data through GMM analysis to assess how monetary instruments shape loan decision-making by banking institutions. During analysis, the study employs bank-specific metrics like size and liquidity, capital adequacy and profitability, credit risk metrics, and macroeconomic elemen

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Kohardinata, Cliff, Luky Patricia Widianingsih, Nicklaus Stanley, Yopy Junianto, Anastasia Filiana Ismawati, and Evi Thelia Sari. "Collaborative enhancement of non-MSME credit and optimization of banking idle funds through P2P platforms." Uncertain Supply Chain Management 12, no. 1 (2024): 37–44. http://dx.doi.org/10.5267/j.uscm.2023.10.019.

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The market share of peer-to-peer (P2P) has shifted from dominating the P2P lending for Micro, Small, and Medium Enterprises (MSME) to non-MSME. Meanwhile, non-MSME credit is an incumbent main market share banking which possibly makes it a complementary or substitution in P2P lending in non-MSME bank credit. Furthermore, optimizing and maintaining liquidity is important due to banks utilizing intermediation functions. The strictness of bank liquidity could determine the management’s response and policy in determining the best timing to utilize either the FinTech from the P2P platform or the cus

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Khalatur, Svitlana, Oksana Vodolazska, Ilona Solodovnykova, and Alona Tytarenko. "MANAGEMENT OF CREDIT POLICY FORMATION OF A COMMERCIAL BANK IN MODERN CONDITIONS." INNOVATIVE ECONOMY, no. 4 (2022): 40–45. http://dx.doi.org/10.37332/2309-1533.2022.4.6.

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Purpose. The purpose of the article is to substantiate the prerequisites, management components of the formation of the credit policy of a commercial bank and the main elements of the organizational support of this process in modern conditions. Research methodology. The theoretical and methodological basis of the research is the fundamental provisions of general economic theories, general theories of development. In order to achieve the set goal in the work, in particular, to determine the directions of improvement of the credit policy formation management of a commercial bank, the methods of

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Kchikeche, Ahmed, Rachid El Fakir, and Driss Mafamane. "Can Conventional Monetary Policy Stimulate Bank Credit? Evidence from a Developing Country." Statistika: Statistics and Economy Journal 104, no. 2 (2024): 163–84. http://dx.doi.org/10.54694/stat.2023.54.

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The predominance of bank credit in financing the economies of less developed countries is prompting policymakers to stimulate this mode of financing. This study tests the ability of conventional monetary policy to stimulate the supply of bank credit to the private sector in Morocco. Based on the lending channel as a theoretical framework, an analytical framework to explore the conduct of monetary policy and the preconditions for the functioning of this channel was developed. In addition, a test of the impact of monetary policy on credit supply was conducted using bank-level data from a represe

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:Kolade, Sunday Adesina, and Olurotim Ajibola. "Determinants of Bank Profitability: Panel Evidence on Bank-Specific Variables in Nigeria." Determinants of Bank Profitability: Panel Evidence on Bank-Specific Variables in Nigeria. 2, no. 2 (2013): 01–08. https://doi.org/10.5281/zenodo.3404590.

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This study investigated the impact of bank-specific variables on bank profitability in the Nigerian banking industry. In investigating the impact, a regression is used. Using an unbalanced panel data set comprising 65 observations of 15 banks over the 2006-2010 period, the regression results confirm and differ from some previous findings. The results reveal that bank capital adequacy, bank credit portfolio size, and bank credit risk are significant determinants of bank profitability in Nigeria. It also reveals that bank size, customers’ deposit, and management efficiency (measured by ope

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Qudraty, Meutia, and Suriani Suriani. "EFEKTIFITAS KEBIJAKAN MAKROPRUDENSIAL PERBANKAN DAN PENYALURAN KREDIT DI ACEH." JURNAL PERSPEKTIF EKONOMI DARUSSALAM 2, no. 1 (2017): 32–53. http://dx.doi.org/10.24815/jped.v2i1.6651.

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The purpose of the research is to analyze macroprudensial policy set by Bank Indonesia through an instrument Loan to Value (LTV), Loan to Deposit Ratio (LDR) against credit commercial banks in Aceh Province as GDP as controller variable. This research use statistic descriptive model as means of the analysis where data used the total LTV, total LDR, the total credits and the total Non Performing Loans and GDP of Aceh in quarterly since 2011 until 2014. The result showed that policy instruments macroprudensia set by the central bank influence total credit commercial banks in Aceh Province, so it

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Iman, Achmad Nur, Akhmad Kusuma Wardhana, Sulistya Rusgianto, and Ririn Tri Ratnasari. "Venture vs Investment, Which Type of Financing was more Demanded by Agriculture, Forestry, and Aquaculture Sector?" Daengku: Journal of Humanities and Social Sciences Innovation 2, no. 5 (2022): 587–95. http://dx.doi.org/10.35877/454ri.daengku1116.

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COVID-19 creates uncertainty on business. SMEs in Indonesia need to take a loan to survive. Sharia banks could give credit financing based on Islamic law. This study has a purpose to observe if the total value of credit financing issued by sharia bank in Indonesia affects the total financing of agriculture, forestry, and aquaculture sectors. This study uses secondary data taken from ojk.co.id as the sample. The independent variable is credit financing use for capital venture and investment. Dependent variables are the total financing in the agricultural, forestry, and aquaculture sectors. Data

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Théoret, Raymond. "L’impact de la Banque du Canada sur la disponibilité du crédit bancaire : 1967-1976." Articles 55, no. 2 (2009): 181–206. http://dx.doi.org/10.7202/800824ar.

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In this article we want to verify if Bank of Canada's actions on the availability of credit were efficient from 1967 to 1976. During this period, the interest rate was chiefly used to maintain balance of payments equilibrium and the Bank of Canada was trying to affect internal credit conditions (here banks' loans) through its effect on the chartered banks' liquid asset ratio. However, this ratio is an imperfect indicator of the availability of banks' credit. Chartered banks have in fact many techniques to obtain liquidities: the whole of these constitutes their liability management mechanism.

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Oktavia, Nadila, Wahyu Haryadi, and Nining Sudiyarti. "DAMPAK KEBIJAKAN RESTRUKTURISASI KREDIT USAHA RAKYAT TERHADAP PENERIMAAN KREDIT PADA PT. BANK NEGARA INDONESIA (PERSERO) CABANG SUMBAWA." Jurnal Ekonomi & Bisnis 11, no. 3 (2023): 470–79. http://dx.doi.org/10.58406/jeb.v11i3.1391.

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This study aims to determine difference of credit receipts before and after the credit restructuring policy on public business credit (KUR) at PT. Bank Negara Indonesia (Persero) Sumbawa Branch. The type of this study was comparative study. The type of data used is quantitative data in the form of credit receipt data at PT. Bank Negara Indonesia (Persero) Sumbawa Branch before and after the implementation of the public business credit (KUR) restructuring policy obtained from documents or archives of reports on the amount of credit receipts for the period March 2020 – October 2021 which have be

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Nasieku, Tabitha, and Rosemary Wanjiku Ngugi. "Credit Information Sharing and Credit Risk Reduction in Kenya Commercial Banks." JOURNAL OF SOCIAL SCIENCE RESEARCH 10, no. 1 (2016): 1941–49. http://dx.doi.org/10.24297/jssr.v10i1.4680.

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Financial Institutions are in the business of mobilizing and lending to borrowers and they assume various kinds of financial risks in the process of mobilizing and lending financial resources.This Theoretical study reviewed the literature to investigate the relationship between credit of information sharing and credit risk reduction in Kenya commercial banks. The literature found that the lending policy is periodically reviewed to reflect the prevailing conditions thus loan characteristics, considers an applicant's bank statements thus borrowers characteristics and the credit collection policy

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Sipahutar, Mangasa Augustinus. "Linkage of Money Growth on Banks Credit – Evidence from Indonesia." Journal of Academic Science 1, no. 1 (2024): 27–36. http://dx.doi.org/10.59613/m84y4381.

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This study explained the banks credit growth both in total and by usage for investment, working capital and consumer, related to monetary policy and bank view perspective. By using OLS method, estimate model explained that change of money growth affects positively total credit growth, investment and working capital credit. The coefficient of change of money growth is smaller than one to investment and working capital growth, ceteris paribus, where the banks reserves and discount rate are constant. The coefficient is still quite small compared to the role of banks as transmission monetary chann

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Varkulevich, Tatyana V., Andrey S. Pyzhov, and Natalya Y. Titova. "Bank Deposit and Credit Policy Management in the Field of Individual Customer Service." International Journal of Criminology and Sociology 9 (April 5, 2022): 2548–53. http://dx.doi.org/10.6000/1929-4409.2020.09.312.

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The article is devoted to the problem of individual customer service quality improvement in the field of provided deposit and credit services. This problem is a priority in determining any commercial bank strategy, since both deposit and credit policies determine the effectiveness of a credit institution development, which largely depends on the level of customer satisfaction. This study aims to determine the management aspects of the deposit and credit policy improvement in the field of commercial bank customer servicing. In the course of the work, they used the elements of system analysis, s

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