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Journal articles on the topic 'Kredit portfeli'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Eldor, Jo'rayev. "Tijorat banklarida kredit portfelini boshqarishning asosiy yo'nalishlari." «Yashil iqtisodiyot va taraqqiyot» jurnali 3, no. 1 (2025): 6–9. https://doi.org/10.5281/zenodo.15161981.

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Tijorat banklarining turli davlatlarda kreditlash jarayonida yuzaga kelayotgan risklarni kamaytirish,kreditlashdan daromadlilikni oshirish, bank likvidliligini ta’minlash, muammoli kreditlarning ulushini kamaytirish, tijoratbanklarida kredit portfelini samarali tashkil etishning innovatsion yondashuvlarini ishlab chiqish muhim vazifa bo‘libqolmoqda. Kredit portfelini shakllantirish va portfel sifatini baholash bank faoliyatining asosiy yo‘nalishlaridan biridir.Optimal, sifatli kredit portfeli bankning likvidligi va ishonchliligiga katta ta’sir qiladi.

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2

Olimjon, Ruzimuratov. "Tijorat banklarining kredit portfelini samarali boshqarish asoslari va takomillashtirish istiqbollari." Yashil iqtisodiyot va taraqqiyot 2, no. 12 (2024): 9–13. https://doi.org/10.5281/zenodo.14610258.

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Ushbu maqolada tijorat banklarida kredit portfelini tashkil etishning nazariy asoslari, bu boradagi xorijiy vamahalliy olimlarning tadqiqotlari va ularga mualliflik yondoshuvi, kredit portfelini samarali boshqarish tamoyillari, ularningxususiyatlari, kredit portfelini boshqarishning asosiy yo‘nalishlari va vazifalari tadqiq etilgan.Shuningdek, mamlakatimiz tijorat banklarining kreditlash faoliyati, kredit portfelining sohalar va tarmoqlar kesimidataqsimlanishi, mijozlar kesimida, xususan, jismoniy va yuridik shaxslar kesimida kredit portfeli holati tahlil qilingan, kreditportfelini samar

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3

Valikulova, Aziza Voxid qizi. "TIJORAT BANKLARINING KREDIT OPERATSIYALARI VA KREDIT PORTFELI TAHLILI." INTERNATIONAL SCIENCES, EDUCATION AND NEW LEARNING TECHNOLOGIES 1, no. 6 (2024): 4–7. https://doi.org/10.5281/zenodo.11047566.

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<em>Tijorat banklarining faoliyatida kredit operatsiyalari va kredit portfeli tahlili asosiy ustuvor yo‘nalishlardan hisoblanadi. Kredit portfeli tahlilini samarali olib borish banklarning kredit faoliyatiga ijobiy ta’sir ko‘rsatadi. Quyida kredit portfelining ahamiyati, uni boshqarish, qonuniy asoslari va statistik tahlili bo‘yicha fikr yuritilgan. </em>

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4

Tursunov, Ilxom Toirovich. "TIJORAT BANKLARI KREDIT PORTFELINI OPTIMALLASHTIRISH ORQALI MOLIYAVIY BARQARORLIKNI TA'MINLASH." MOLIYA TIZIMINI RIVOJLANTIRISHNING ZAMONAVIY TENDENSIYALARI VA ISTIQBOLLARI 1, no. 4 (2024): 801–6. https://doi.org/10.5281/zenodo.11401517.

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Annotatsiya. Mazkur ilmiy tijorat banklari kredit portfelini optimallashtirish orqali ularni moliyaviy barqarorligini ta’minlashning ustuvor jihatlari bayon etilgan. O‘zbekiston Respublikasida faoliyat yuritayotgan tijorat banklarining kredit portfeli va undagi muammoli kreditlarning ulushi bo‘yicha amaliy ma’lumotlar keltirilgan. Shuningdek, tijorat banklari kredit portfelini optimallashtirishga doir ilmiy takliflar keltirilgan.

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5

Dinara, Mirtursunova. "Tijorat banklarida kredit riskini boshqarish mexanizmlarini takomillashtirish yo'nalishlari." «Yashil iqtisodiyot va taraqqiyot» jurnali 3, no. 5 (2025): 7–10. https://doi.org/10.5281/zenodo.15493708.

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Ushbu maqolada tijorat banklarida kredit risklarini boshqarish mexanizmlarining amaldagi holati tahlilqilinib, ularni takomillashtirish yo‘nalishlari bo‘yicha takliflar ilgari surilgan. Rivojlangan mamlakatlar tajribasiga tayanilganholda kredit portfeli sifatini oshirish, risklarni baholashda zamonaviy iqtisodiy modellarni qo‘llash, stress-testlar va ichkireyting tizimlarini joriy etish zarurligi asoslab berilgan. Shuningdek, kredit sug‘urtasi, portfelni diversifikatsiya qilish vaavtomatlashtirilgan monitoring vositalari orqali kredit risklarini kamaytirish mexanizmlari

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6

Saidov, Hayotjon. "O‘ZBEKISTON RESPUBLIKASINING TIJORAT BANKLARIDA MUAMMOLI KREDITLARNI BOSHQARISHNING ZAMONAVIY USULLARI." Ilgʻor iqtisodiyot va pedagogik texnologiyalar 2, no. 1 (2025): 42–48. https://doi.org/10.60078/3060-4842-2025-vol2-iss1-pp42-48.

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Mazkur maqolada bankning kredit siyosati, uning bank resurslarini joylashtirishdagi o‘rni, tijorat banklari kredit siyosatining mezonlari va muammoli kreditlarni boshqarishning zamonaviy usullari haqida so‘z boradi. Shuningdek, maqola davomida tijorat banki kredit portfeli, uning mohiyati va shakllanishi masalalariga ham alohida to‘xtalib o‘tilgan.

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7

L.Ergasheva. "MUAMMOLI KREDITLAR VA UNI MONITORING QILISH TARTIBI." Innovative Development in Educational Activities 2, no. 5 (2023): 299–302. https://doi.org/10.5281/zenodo.7743509.

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<em>Ushbu maqola O‘zbekiston Respublikasida faoliyat olib borayotgan tijorat banklarida kredit monitoringgi va muammoli kreditlar haqida bo‘lib,unda bugungi kundagi tijorat banklari kredit portfeli monitoringgidagi kamchiliklar, yutuqlar va xorij tajribasini qo‘llashda qaysi jihatlari mamlakatimiz iqtisodiy muhiti uchun munosib ekanligi haqida qisqacha fikr bildirilgan.</em>

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8

L.Ergasheva. "MUAMMOLI KREDITLAR VA UNI MONITORING QILISH TARTIBI." Innovative Development in Educational Activities 2, no. 7 (2023): 502–6. https://doi.org/10.5281/zenodo.7832015.

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<em>Ushbu maqola O‘zbekiston Respublikasida faoliyat olib borayotgan tijorat banklarida tijorat banklarida amlga oshirilayotgan kredit monitoringgi amaliyoti haqida bo‘lib, unda bugungi kundagi tijorat banklari kredit portfeli monitoringgidagi kamchiliklar, yutuqlar va xorij tajribasini qo‘llashda qaysi jihatlari mamlakatimiz iqtisodiy muhiti uchun munosib ekanligi haqida qisqacha fikr bildirilgan.</em>

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9

Mirodil, Xolmatov. "Tijorat banklarida kredit amaliyotini takomillashtirish istiqbollari." Yashil iqtisodiyot va taraqqiyot 3, no. 1 (2025): 8–12. https://doi.org/10.5281/zenodo.14778028.

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Ushbu maqola tijorat banklarida kredit amaliyotini takomillashtirish istiqbollari mavzusini o‘rganadi. Kreditoperatsiyalari banklarning moliyaviy faoliyatida muhim o‘rin tutadi, chunki ular bankning daromadlarini shakllantiradihamda iqtisodiyotni rivojlantirishda muhim rol o‘ynaydi. Hozirgi kunda tijorat banklarining kredit portfeli bir nechtaomillarga ta'sir qilishi mumkin, iqtisodiy o‘zgarishlar, siyosiy barqarorlik va texnologik yangiliklar shular jumlasidandir.Maqolada banklarning kredit strategiyalarini takomillashtirishga qaratilgan yangi yondashuvlar va metodlar,

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10

Turopova, Nigora Xolmurod qizi. "IPOTEKA (UY JOY XIZMATLARI) BOZORINI SHAKLLANTIRISHDA AHOLINI UY-JOY BILAN TA'MINLASH HOLATI TAHLILI." TECHNICAL SCIENCE RESEARCH IN UZBEKISTAN 2, no. 1 (2024): 260–65. https://doi.org/10.5281/zenodo.10589670.

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11

Urazbayev, Qahhorbek. "TIJORAT BANKLARINING KREDIT SIYOSATINI TAKOMILLASHTIRISH." JOURNAL OF SCIENCE-INNOVATIVE RESEARCH IN UZBEKISTAN 2, no. 10 (2024): 82–86. https://doi.org/10.5281/zenodo.13894901.

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Ushbu maqolada tijorat banklarining kredit siyosatini takomillashtirish masalalari ko'rib chiqiladi. Maqolada kredit siyosatining mohiyati, uning bank faoliyatidagi ahamiyati va takomillashtirish yo'nalishlari tahlil qilinadi. Adabiyotlar tahlili asosida kredit siyosatini takomillashtirishning asosiy yo'nalishlari aniqlangan va ularning samaradorligi baholangan. Natijada, tijorat banklarining kredit siyosatini takomillashtirishga qaratilgan tavsiyalar ishlab chiqilgan.

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12

Odiljon, Komolov. "Yevropa ittifoqi davlatlari tijorat banklarining soliq to'lovlarini amalga oshirish tartibi." «Yashil iqtisodiyot va taraqqiyot» jurnali 3, no. 5 (2025): 12–19. https://doi.org/10.5281/zenodo.15575858.

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Ushbu maqolada biz Yevropa tijorat banklariga qo‘llaniladigan maxsus soliqlarni banklarni kapitallashuvigahaqiqiy ta’sirini tahlil qilamiz. Tadqiqotimiz shuni ko‘rsatadiki, Yevropa tijorat banklari uchun yangi moliyaviy yig‘imjoriy etilishi ularning faoliyatini sezilarli darajada yomonlashtiradi va kredit berish kanallari orqali haqiqiy iqtisodiyotgasalbiy ta’sir ko‘rsatadi. Kredit munosabatlari bo‘yicha mikrodarajadagi ma’lumotlardan foydalanib, kreditga bo‘lgan talabomillarini nazorat qilgan holda tijorat banklari to‘laydigan soliql

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13

Xolov, Nabijon. "TIJORAT BANKLARINING BARQARORLIGINI TA’MINLOVCHI AKTIVLARGA TA’SIR QILUVCHI OMILLARNING EKONOMETRIK TAHLILI." Iqtisodiy taraqqiyot va tahlil 3, no. 1 (2025): 216–24. https://doi.org/10.60078/2992-877x-2025-vol3-iss1-pp216-224.

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Mazkur ishda tijorat banklarining barqarorligini ta’minlovchi aktivlar tarkibi va ularga ta’sir qiluvchi omillar ekonometriya usullari yordamida tahlil qilingan. Tadqiqotda banklarning aktiv sifati, likvidlik ko‘rsatkichlari, kredit portfeli tuzilishi hamda tashqi iqtisodiy omillar kabi omillarni o‘rganish asosiy maqsad qilib olingan. Ekonometriya usullari orqali olingan natijalar tijorat banklari barqarorligini oshirishda muhim qarorlarni qabul qilishda yordam beradi. Tadqiqotning amaliy ahamiyati shundaki, u bank faoliyatini rivojlantirishga yo‘naltirilgan strategiyalarni shakllantirishda me

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14

Abdulhakim, Turdiyev. "Tijorat banklari faoliyatiga foiz riskining ta'siri: ilmiy-nazariy asoslar va amaliyot tahlili." «Muhandislik va Iqtisodiyot» jurnali 3, no. 4 (2025): 7–17. https://doi.org/10.5281/zenodo.15278922.

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Ushbu maqolada tijorat banklari faoliyatida foiz riski tushunchasi va uning bankfaoliyatiga ko‘rsatadigan ta’siri har tomonlama tahlil qilinadi. Xususan, tijorat banklarida foizriskini boshqarish bo‘yicha zamonaviy yondashuvlar va ularning amaliyotdagi holati o‘rganiladi.Foiz stavkalarining o‘zgarishi kredit portfeli sifati va bank faoliyati ko‘rsatkichlariga qanday ta’sirko‘rsatishi statistik ma’lumotlar asosida yoritiladi. Yakunda foiz riskini samarali boshqarishgaqaratilgan ilmiy-amaliy tavsiyalar ishlab chiqiladi

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15

Usmonqulova, Feruza. "Bank xodimlarining malakaviy kompetentsiyalarini bankning moliyaviy ko'rsatkichlariga ta'sirini baholash yo'llari." Journal of Science-Innovative Research in Uzbekistan 2, no. 10 (2024): 464–75. https://doi.org/10.5281/zenodo.13963750.

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Ushbu maqolada bank xodimlarining malakaviy kompetentsiyalari bankning moliyaviy ko‘rsatkichlariga ta’sirini baholash yo‘llari o‘rganilgan. Banklar faoliyatining muvaffaqiyati ko‘p jihatdan xodimlarning kasbiy malakalariga bog‘liq bo‘lib, ularning moliyaviy ko‘nikmalari, texnik bilimlari va mijozlar bilan ishlash tajribalari bankning sof foyda, aktivlardan foydalanish samaradorligi va kredit portfeli sifatiga ta’sir qiladi. Maqolada xodimlarning malakasini oshirish usullari, jumladan, o‘qitish, malaka oshirish dasturlari, tajriba alma

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16

Ganieva, Gulchexra. "PUL-KREDIT SIYOSATINI TAKOMILLASHTIRISH ORQALI TIJORAT BABKLARINING LIKVIDLIGINI TA`MINLASH YO`LLARI." Journal of Science-Innovative Research in Uzbekistan 2, no. 10 (2024): 423–34. https://doi.org/10.5281/zenodo.13957073.

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Iqtisodiyotda bozor munosabatlarining qaror topishi va turli mulkchilik shaklidagi korxonalar, jumladan xususiy mulkdorlar sinfining paydo bo'lishi sharoitida tijorat banki uchun investitsiya kreditlash muammosi katta ahamiyatga ega.  Shu bilan birga, O‘zbekiston iqtisodiyotining hududiy va tarmoq tuzilmasini iqtisodiy siyosat manfaatlaridan kelib chiqib tartibga solish maqsadida investisiya jarayonlarini moliyalashtirishning bozor mexanizmlarini yo‘lga qo‘yish iqtisodiyotni rivojlantirishning eng dolzarb masalalaridan biri bo‘lib qolmoqda

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17

SOATOV, Farhod Komiljon o'g'li. "MOLIYAVIY HISOBOTNING XALQARO STANDARTI 9 (MOLIYAVIY INSTRUMENTLAR)NI AMALIYOTGA JORIY ETISH VA UNING MOLIYAVIY NATIJAGA TA'SIRI." Фундаментал тадқиқотлар 1, no. 1 (2023): 141–50. https://doi.org/10.5281/zenodo.7585568.

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Maqolada ayni vaqtda moliyaviy hisobotning xalqaro standartlarini O‘zbekiston Respublikasida faoliyat yuritib kelayotgan korxona va tashkilotlar hamda tijorat banklari buxgalteriya hisobi va hisobotlarini yuritishda amaliyotga joriy etishdagi duch kelinayotgan muammolar, shuningdek, moliyaviy hisobotning xalqaro standarti 9 (keyingi o‘rinlarda MHXS 9) (Moliyaviy instrumentlar)ni amalda qo‘llagan holda tuzilayotgan hisobotlardagi ko‘rsatkichlar ya’ni O‘zbekiston Respublikasida faoliyat yuritib kelayotgan tijorat banklari misolida moliyaviy natijalariga qancha

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18

Piplica, Damir, and Nina Budimir. "Utjecaj COVID-19 pandemije na kvalitetu portfelja hrvatskih banaka - primjer „OTP banke“ d. d." Elektronički zbornik radova Veleučilišta u Šibeniku 17, no. 3-4 (2023): 37–55. http://dx.doi.org/10.51650/ezrvs.17.3-4.3.

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COVID-19 pandemija imala je značajan utjecaj na bankarski sektor u Hrvatskoj, uključujući i OTP banku, jednu od vodećih banaka na tržištu. U ovom radu istražuje se specifični utjecaj pandemije na kvalitetu portfelja hrvatskog bankovnog sustava s primjerom analize portfelja OTP banke, uz naglasak na ključne smjernice i reakcije banke na izazove pandemije. Pandemija je prouzrokovala ekonomske neizvjesnosti, gubitak radnih mjesta i smanjenje prihoda klijenata. To je rezultiralo povećanim rizikom od nenaplativih kredita u portfelju hrvatskih banaka, posebno u sektorima koji su najviše pogođeni, po

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19

Eldor, Jo'rayev. "Kredit portfelini tahlil qilish asosida tijorat banklari faoliyatini optimallashtirish yo'llari." «Yashil iqtisodiyot va taraqqiyot» jurnali 3, no. 1 (2025): 15–20. https://doi.org/10.5281/zenodo.15224761.

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Ushbu maqolada tijorat banklarining kredit portfelini tahlil qilish asosida ularning faoliyatini optimallashtirishmasalalari yoritilgan. Kredit portfelining tarkibi, sifati va xavf darajasini chuqur o‘rganish orqali banklar moliyaviybarqarorlikni ta’minlashi va resurslardan samarali foydalanishi mumkinligi asoslab berilgan. Shuningdek, maqolada kreditportfelini diversifikatsiya qilish, kredit siyosatini takomillashtirish va kredit xavfini boshqarish bo‘yicha amaliy tavsiyalarberilgan.

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20

Putera, Matthias Hardy, Muhammad Musthafa Kamal, Timothy Tedjasukmana, Yane Chandera, and Dewi Saraswati. "Pengaruh Harga Properti Residensial terhadap Proporsi Kredit Pemilikan Rumah pada Portofolio Kredit di Indonesia." Studi Akuntansi dan Keuangan Indonesia 7, no. 1 (2024): 17. http://dx.doi.org/10.21632/saki.7.1.17-31.

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This research aims to analyze the effect of the Residential Property Price Index (RPPI) on the composition of Home Ownership Credit (KPR) in the banking credit portfolio in Indonesia. The study was conducted using secondary data from the period of 2010 to 2022 from various sources such as Bank Indonesia and the Central Bureau of Statistics. Using the time-series regression, the research indicated that RPPI insignificant effected the composition of KPR in the banking credit portfolio in Indonesia. However, inflation rate and interest rates have a significant impact on the proportion of KPR. For

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21

Xodjayeva, Muhayyo Ulmasovna. "OʻZBEKISTONDA TIJORAT BANKLARINING OʻRNI VA KREDIT FAOLIYATINI BOSHQARISH". RESEARCH AND EDUCATION 3, № 10 (2024): 29–33. https://doi.org/10.5281/zenodo.14016076.

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<em>Maqolada O‘zbekistonda tijorat banklarining kredit portfelini boshqarish samaradorligini oshirish yo‘llari va shu tariqa kreditlash tizimini rivojlantirish masalalari hamda respublikamiz tijorat banklarida kredit portfelini boshqarish samaradorligini oshirish yo‘llari yuzasidan izlanishlar olib borilishini doimo dolzarb ekanligi haqida so‘z  yuritilgan</em>

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Isakov, J. Y. "TIJORAT BANKLARI FAOLIYATIDAGI KREDIT RISKLARINI BOSHQARISHNI TAKOMILLASHTIRISH YO‘LLARI." YASHIL IQTISODIYOT VA TARAQQIYOT 1, no. 10 (2023): 400–404. http://dx.doi.org/10.55439/ged/vol1_iss10/a77.

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O‘zbekiston tijorat banklari aktivlarining tarkibida kreditlar eng yuqori salmoqni egallaganligi sababli banklarning likvidliligi va moliyaviy barqarorligini ta’minlash bevosita kredit portfelini sifatiga bog‘liq. O‘z navbatida, banklar kredit portfelining sifatini yaxshilash kredit riskini boshqarish amaliyotini takomillashtirish zaruriyatini yuzaga keltiradi. Maqolada tijorat banklari faoliyatidagi kredit riskini boshqarish amaliyotini takomillashtirish bilan bog‘liq bo‘lgan dolzarb muammolar aniqlangan va ularni hal qilishga qaratilgan ilmiy takliflar ishlab chiqilgan.

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23

Setiawan, Rahmat, Octavia Reniar Putri, and Aulia Claraning Sukmawati. "Diversifikasi Portofolio Kredit, Risiko dan Return Bank." Jurnal Akuntansi 15, no. 1 (2023): 189–99. http://dx.doi.org/10.28932/jam.v15i1.6376.

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Banks as financial intermediaries, can diversify their credit portfolios into different sectors. This study aims to determine the effect of credit portfolio diversification on risks borne and returns earned by banks. The sample in this study was 61 conventional commercial banks in Indonesia for the 2012-2014 period with a total of 112 observations. The results show that credit portfolio diversification has a significant negative effect on bank risk and return. In other words, a more diversified credit portfolio can reduce bank risk and return. Keywords: diversification, loan portfolio, bank’s

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Убайдуллаева, А., and А. Музаппарова. "Using the portfolio method in the arrangement of individual work of students on the credit system." Ренессанс в парадигме новаций образования и технологий в XXI веке 1, no. 1 (2023): 570–74. http://dx.doi.org/10.47689/xxia-ttipr-vol1-iss1-pp570-574.

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Kazakhstan has been carrying out cardinal reforms in the higher education system in recent years. One of them is the introduction of a credit system of education in universities. In the modern world, the main goal of the transition to a credit system of education is the integration of the education system with the global educational space and the creation of opportunities to increase competitiveness, global demand for professionals in changing times of production and market situation. The problem of improving the individual work of students in pedagogical universities has formed the basis for

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25

Rizky, Bimbi Ardhana, Sudarno Sudarno, and Diah Safitri. "PENGUKURAN RISIKO KREDIT DAN PENGUKURAN KINERJA DARI PORTOFOLIO OBLIGASI." Jurnal Gaussian 7, no. 1 (2018): 43–53. http://dx.doi.org/10.14710/j.gauss.v7i1.26634.

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Except getting coupon as a profit, there is loss probability in bond investment that is credit risks investment. One way to measure the credit risk of a bond is to use the credit metrics method. It uses the ratings of the bond issuer company and the transition rating issued by the rating company for its calculations. Mean Variance Efficient Portfolio (MVEP) can be used to make an optimal portfolio so that risk can be obtained to a minimum. An assessment of portfolio performance is needed to increase confidence to invest. Sharpe index can measure portfolio performance based on return value of b

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Widyatini, Ignatia Ryana. "PENGARUH DIVERSIFIKASI PORTOFOLIO KREDIT TERHADAP TINGKAT RISIKO KREDIT DENGAN GOOD CORPORATE GOVERNANCE SEBAGAI VARIABEL PEMODERASI (Studi pada Bank Umum di Indonesia)." MODUS 27, no. 2 (2016): 109. http://dx.doi.org/10.24002/modus.v27i2.551.

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A formal control system supports the success of loan portfolio diversifcation strategy. Good corporate governance as a formal control system can support the success of the implementation of loan portfolio diversifcation strategy.Â ThisÂ willÂ result in the low level of risk profle. The aim of this study is to explore the efect of loan portfolio diversifcation on the credit risk level with good corporate governance as a moderating variable. EViews 7.2 was used in the panel data analysis. General banks that had registered at BEI in the 2009-2012 period were used as samples. Data collection of 20

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Febrina, Dian. "Analisis Pengaruh Portofolio Kredit Terhadap Kualitas Kredit dan Profitabilitas pada BPR Konvensional di Riau." Jurnal Daya Saing 3, no. 1 (2017): 1–11. http://dx.doi.org/10.35446/dayasaing.v3i1.75.

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Abstract: The present research was conducted at Riau Province. The purpose of this research is to influence of credit portfolio to non perfoming loan (NPL) and profitability (ROA) in Bank Perkreditan Rakyat (BPR) Convensional in Riau. The population of this research is a Bank Perkreditan Rakyat Convensional from annual report are listed in Perbarindo Riau during 2009-2013 with the number of saturation samples are 33 BPR in Riau. This research apply on using portofolio credit based on a type of used that is working capital loan, investment loan and consumer loan as an exogenous variable, credit

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Siregar, Yosua Sopater, Apriani Dorkas Rambu Atahau, and Imanuel Madea Sakti. "ANALISIS PORTOFOLIO KREDIT, RISIKO, DAN RETURN BANK UMUM KONVENSIONAL." Jurnal Manajemen 19, no. 1 (2022): 18–38. http://dx.doi.org/10.25170/jm.v19i1.2334.

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This study aims to determine the credit portfolio strategy (focus or diversification strategy) based on the economic sector in conventional commercial banks grouped by business activity (BUKU) in the period January 2016 - December 2018 and analyze the effect of credit portfolio concentration and credit risk on rates of return. This study uses secondary data obtained from Indonesian Banking Statistics at the Financial Services Authority (OJK). This study used 4 samples, namely BUKU I, BUKU II, BUKU III, BUKU IV. Bank return as dependent variable was measured by Return on Assets (ROA) whereas Co

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Muanas, Muanas, and Isnan Mulia. "Pendampingan Penguasaan Akuntansi Dasar Bagi Pegawai BPR Mitra Daya Mandiri Bogor." Jurnal Abdimas Dedikasi Kesatuan 1, no. 1 (2020): 51–56. http://dx.doi.org/10.37641/jadkes.v1i1.336.

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Pemahaman mengenai sistem akuntansi dan laporan keuangan diperlukan oleh entitas maupun lembaga yang menyalurkan kredit produktif. Bagi entitas, sistem akuntansi berguna untuk memproses transaksi keuangan dan menyajikan informasi keuangan dalam bentuk laporan keuangan. Sedangkan kegunaan sistem akuntansi dan laporan keuangan bagi lembaga yang menyalurkan kedit produktif yakni untuk menilai posisi keuangan, kinerja serta perputaran arus kas calon nasabah dalam proses penyaluran kredit. Dengan demikian harapannya agar kredit yang disalurkan dapat digunakan sesuai dengan tujuan sehingga dapat men

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PRATINI, I. GUSTI MADE AYU ANGGUN TIARA, KOMANG DHARMAWAN, and NI KETUT TARI TASTRAWATI. "ANALISIS RISIKO PORTOFOLIO KREDIT OBLIGASI KORPORASI MENGGUNAKAN METODE CREDITMETRICS." E-Jurnal Matematika 13, no. 2 (2024): 127. http://dx.doi.org/10.24843/mtk.2024.v13.i02.p452.

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Bond is a medium or long-term debt agreement which when the bond matures will be paid back with the interest. Bonds are issued to obtain new fund flows to meet operational needs and strengthen financial position. One of the risks of bonds is credit risk. This risk occurs due to the issuer's inability to continue and complete its obligations. This risk often occurs in corporate bonds. So, investors need to conduct risk analysis and proper risk management. One method of credit risk analysis is the creditmetrics. In this method, credit score changes are not only caused by the probability of defau

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Omonov, Akrom, та Baxtiyor Ruziyev. "O‘ZBEKISTON TIJORAT BANKLARI AKTIVLARIDAN SAMARALI FOYDALANISH YOʻLLARI". Ижтимоий-гуманитар фанларнинг долзарб муаммолари / Актуальные проблемы социально-гуманитарных наук / Actual Problems of Humanities and Social Sciences. 5, № 2 (2025): 107–13. https://doi.org/10.47390/spr1342v5i2y2025n16.

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Ushbu maqolada Oʻzbekiston tijorat banklari aktivlaridan samarali foydalanishning dolzarbligi, mavjud muammolar va ularni hal qilish yoʻllari yoritilgan. Mazkur maqolada kredit portfelini boshqarish, investitsion strategiyalarni takomillashtirish va zamonaviy texnologiyalarni joriy qilish orqali tijorat banklarining samaradorligini oshirish imkoniyatlari tahlil qilinadi.

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Achmad, Achmad, and Ahmad Fauzi. "DETERMINASI RISIKO KREDIT PADA PERBANKAN SYARIAH INDONESIA." Jurnal Ekonomi Integra 15, no. 2 (2025): 213. https://doi.org/10.51195/iga.v15i2.408.

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Islamic banking is an essential component of the global financial system, offering financial products and services based on Sharia principles. One of the key challenges faced by Islamic banks is the risk of non-performing financing (NPF), as financing is their primary product. This study aims to analyze the factors influencing NPF in Islamic commercial banks in Indonesia during the period 2019–2023, using panel data regression analysis. The results show that the Operating Cost to Operating Income ratio (OCOI), Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Financing to Deposit Ratio

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Saidov, Hayotjon Raxmatulloyevich. "Tijorat banklarida muammoli kreditlarni boshqarishning dolzarb masalalari." Yashil iqtisodiyot va taraqqiyot 1, no. 4 (2024): 10–13. https://doi.org/10.5281/zenodo.12805492.

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Muammoli kreditlarni boshqarish amaliyotini takomillashtirish tijorat banklarining likvidliligini va moliyaviybarqarorligini ta’minlashda muhim o‘rin tutadi. Bu esa, kreditlarni tijorat banklarining aktivlar tarkibida nisbatan yuqorisalmoqni egallashi bilan izohlanadi. Shuning uchun ham, tijorat banklarining kredit portfelini boshqarish sifatini yaxshilashrespublikamiz bank tizimini isloh qilishning dolzarb masalalaridan biri hisoblanadi.Maqolada O‘zbekiston tijorat banklarining muammoli kreditlarini boshqarish amaliyotini takomillashtirishga qaratilganilmiy takliflar ishlab

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Anastasia, Njo, and Fabian Hidayat. "HUBUNGAN INDEKS HARGA PROPERTI RESIDENSIAL DAN KREDIT PERBANKAN." EKUITAS (Jurnal Ekonomi dan Keuangan) 3, no. 1 (2019): 95–111. http://dx.doi.org/10.24034/j25485024.y2019.v3.i1.3998.

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Demand and supply in housing market depends on macroeconomic conditions such as Gross Domestic Product, interest rates, and housing prices. Changes to these variables are related to changes in housing market. This study aims to examine the relationship of housing prices, Gross Domestic Product, mortgage interest rate to Banking Credit. Knowing the relationship will be useful in making strategic decisions related to property investment and portfolio management. Housing price using Residential Price Index in primary market will be grouped into three parts based on land area of residential proper

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Yuldasheva, Umida Bakhrom qizi, and Mutabar Zhuraevna Temirkhanova. "TIJORAT BANKLARINING MOLIYAVIY AKTIVLARI VA REZERVLARI TAHLILINI TAKOMILLASHTIRISH." JOURNAL OF SCIENCE-INNOVATIVE RESEARCH IN UZBEKISTAN 2, no. 4 (2024): 68–74. https://doi.org/10.5281/zenodo.10938500.

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Ushbu maqolada tіjorat banklarіda moliyaviy aktіvlar sіfatіnі tasnіflash masalalarі, shunіngdek bo`lg`usі ehtіmolіy yo`qotіshlarnі qoplash uchun zaxіralarnі shakllantіrіsh masalalarі, kredіt portfelіnі boshqarіsh samaradorlіgіnі oshіrіsh yo‘llarі muhokama etіladі

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Norov, Akmal Ruzimamatovich, and Nozima Nabiyevna Norova. "Tijorat banklarining kredit portfelini amaliy holati va ekonometrik tahlillari: ATB "Aloqabank" misolida." Yashil iqtisodiyot va taraqqiyot 1, no. 4 (2024): 10–14. https://doi.org/10.5281/zenodo.13121837.

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Mazkur maqolada ATB “Aloqabank” kredit portfelini amaliy holatini 2015-yildan 2022-yilgacha bo‘lgandavrdagi choraklik statistik ma’lumotlariga asoslangan ekonometrik tahlil qilib o‘rganildi. Bunda, Aloqabankning kreditportfeliga ta’sir etuvchi ichki omillar tahlil qilindi. Tahlil uchun har bir chorakda ajratilgan kreditlar miqdori, muammolikreditlar hajmi, jalb qilingan depozitlar miqdori, bank kapitali, kreditlar va depozitlar bo‘yicha o‘rtacha foiz stavkalari olindi.Milliy valyutada berilgan barcha statistik ma’lumotlar jami aktivlarga ni

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Knapp, Michael, and Alfred Hamerle. "Multi-Faktor-Modell zur Bestimmung segment-spezifischer Ausfallwahrscheinlichkeiten für die Kredit-Portfolio-Steuerung." Wirtschaftsinformatik 41, no. 2 (1999): 138–45. http://dx.doi.org/10.1007/bf03250647.

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Mamurova, Malohat Mansur qizi. "AXBOROTLASHGAN TA'LIM MUHITIDA TALABALAR MUSTAQIL ISHINI TASHKIL ETISHDA ZAMONAVIY SHAKL VA VOSITALARIDAN FOYDALANISH METODIKASI." Journal of Contemporary World Studies 3, no. 1 (2025): 237–44. https://doi.org/10.5281/zenodo.14870208.

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<strong> </strong> <strong>Annotatsiya. </strong><strong>Ushbu maqolada </strong>jahοnda ta’ lim sifati va samaradοrligini οshirishda axborot ta’lim muhiti talabalar mustaqil ishini samarali tashkil etish, talabalar hamda o‘qituvchilarning akademik muqobilligi, innovatsion ta’lim texnologiyasi, fundamental bilim sohasi ko‘rinishida zamonaviy axborot texnologiyalar yetarli darajada o‘rganilmaganligi bilan belgilandi. <strong> Bundan tashqari oliy ta’lim tizimida kredit tizimi va unda talabalar mustaqil ishlarining tashk

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Drljača-Kanazir, Svetlana. "Macroeconomic determinants of loan default rate in banking sector of the Republic of Serbia." Ekonomika preduzeca 70, no. 5-6 (2022): 346–59. http://dx.doi.org/10.5937/ekopre2206346d.

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In literature, there is inconsistent view of how the size of a company affects the level of credit risk. The aim of this research is to to determine whether the exposure to systemic risk increases with the size of the borrower. Empirical analysis of the time series of loan default rates, as dependent variable, on the one hand, and macroeconomic factors, as regressors, on the other hand, is based on the error correction model. Parallel to this, a panel data analysis was applied where panel units are defined at the level of the risk segment of the loan portfolio. Research results confirm that th

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Sa'dulla, Baratov, and Jo'rayev Behzod. "Global iqlim o'zgarishi riski uning mamlakat iqtisodiyoti moliyaviy sektoriga ta'siri." «Yashil iqtisodiyot va taraqqiyot» jurnali 3, no. 4 (2025): 16–20. https://doi.org/10.5281/zenodo.15351377.

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Ushbu maqolada global iqlim o‘zgarishining xavfi va uning mamlakatlar iqtisodiyotining moliyaviy sektorigata’siri o‘rganilgan. Tadqiqotda, birinchi navbatda, iqlim o‘zgarishining iqtisodiy barqarorlik, investitsiyaviy muhit va bankmoliyatizimiga ta’siri tahlil qilinadi. Statistik ma’lumotlar asosida iqlim bilan bog‘liq jismoniy va tranzitsion xavflarningmoliyaviy aktivlar qiymati, kredit xavflari, sug‘urta sektori va aktivlar portfeliga ta’siri yoritilgan. Shu bilan birga, yashilmoliyalashtirish, ekologik investitsiyalar, karbon izlari va i

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Welly, Welly. "PENGARUH STRUKTUR PENGENDALIAN INTERN DAN SISTEM PENGENDALIAN INTERN TERHADAP EFEKTIVITAS PENYALURAN KREDIT PADA PERBANKAN SYARIAH DI KOTA PALEMBANG." Jurnal Ilmiah Ekonomi Global Masa Kini 6, no. 2 (2015): 8–19. http://dx.doi.org/10.36982/jiegmk.v6i2.61.

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Banking is a financial institution that plays an important role in the economic growth rate, where one of His ministry is lending or credit to the public. Through this service the community greatly helped in continuing the business that mostly have limited capital. In the provision and distribution of bank credit have a standard operating procedure (SOP) which aims to provide uniformity and ease of operation and administration, so as to avoid things that are not desirable. Internal control structure is composed of five elements, namely the control environment, risk assessment, control activiti

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Soerip, S. Riauwanto. "Pengaruh Kinerja Dan Kepedulian Manajemen Bank Pembangunan Daerah Di Indonesia Terhadap Porsi Penyaluran Kredit Pengembangan Sektor UMKM." Kajian Bisnis STIE Widya Wiwaha 23, no. 1 (2017): 14–39. http://dx.doi.org/10.32477/jkb.v23i1.201.

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This study investigates the effect of performance management and care of BPD in Indonesia against the share of SME sector development lending.The loan portfolio BPD in Indonesia is dominated employee loans (consumer) compared with the productive sectors especially the MSME sector.The inequality shows the composition distribution disitermediari very sharp.Though SME sector contribute greatly to the economy of Indonesia.But the “concern” BPD in Indonesia management is less interested in developing SME loans larger portion of consumer credit (employees).This study uses secondary data sources from

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Radojević, Tijana, Marina Kesić, Danica Rajin, and Ričardas Butėnas. "Presentation of disclosures related to credit risk of a certain bank." European Journal of Applied Economics 20, no. 1 (2023): 66–92. http://dx.doi.org/10.5937/ejae20-42344.

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The phenomenon of credit risk is one of the main distresses for the bank portfolio. If it becomes nonviable to gather claims from various main clients, a bank could persist in being insolvent. The latest financial crises have distinguished the necessity for a bank to identify, measure, assess, and control credit risk, in addition to providing an acceptable degree of capital to protect against possible decline in case of loan defaults. Accordingly, risk management depends steadily on the straight implementation of mathematical and statistical methods and models and the application of their outc

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Nuryakin, Chaikal, and Perry Warjiyo. "PERILAKU PENAWARAN KREDIT BANK DI INDONESIA: KASUS PASAR OLIGOPOLI PERIODE JANUARI 2001-JULI 2005." Buletin Ekonomi Moneter dan Perbankan 9, no. 2 (2007): 21–55. http://dx.doi.org/10.21098/bemp.v9i2.205.

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This paper uses a microeconomic approach to analyze the bank lending behavior in Indonesia during 2001:1 – 2005:7. The loan supply function is derived from the structural loan supply and demand equation in a Cournot-Oligopoly market. We treat the loan supply function as structural error component of the model, and apply to data of the 15 biggest banks in Indonesia.The proposed hypothesis; the bank engages in the profit maximization, cannot be rejected. This bank behavior is in conjunction with the bank’s interdependency. However, due to the internal inefficiency of the bank, the profit maximiz

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Sodiqjon, Ziyodullayev Sodiqjon. "TIJORAT BANKLARI AKTIVLARINING RENTABELLIGINI OSHIRISH MEXANIZMLARINI TAKOMILLASHTIRISH." JOURNAL OF SCIENCE-INNOVATIVE RESEARCH IN UZBEKISTAN 2, no. 8 (2024): 140–52. https://doi.org/10.5281/zenodo.13381268.

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Ushbu tadqiqot ishi tijorat banklari aktivlari rentabelligini oshirish mexanizmlarini oʻrganish va tahlil qilishga bagʻishlangan. Hozirgi bank sohasida raqobat kuchayib bormoqda va banklar doimiy ravishda oʻzgarib turadigan iqtisodiy va moliyaviy muhitga duch kelishmoqda. Shu sababli, aktivlar rentabelligini oshirish ularning barqarorligi va oʻsishini taʻminlashga intilayotgan banklar uchun asosiy vazifaga aylanadi.

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Tukino, Tukino. "Penerapan Metode Algoritma C4.5 dalam Penilaian Kelayakan Pemberian Kredit Kepada Mitra Usaha PT Arita Prima Sukses." Prosiding Seminar Nasional Ilmu Sosial dan Teknologi (SNISTEK) 5 (September 28, 2023): 306–14. http://dx.doi.org/10.33884/psnistek.v5i.8098.

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This research aims to investigate the application of the C4.5 algorithm method in assessing the feasibility of granting credit to business partners by PT Arita Prima Sukses. PT Arita Prima Sukses is a financial industry company with various business partners in need of financial support for their growth. The decision-making process regarding the provision of credit to business partners is a critical aspect of the company's risk management. The C4.5 method is one of the artificial intelligence methods used for decision-making based on rules identified from historical data. This research collect

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Rahmawati, Yesi, Nor Norisanti, and Faizal Mulia Z. "Analisis Penyelesaian Kredit Bermasalah melalui Rescheduling untuk meningkatkan Profitabilitas pada Masa Pandemi Covid-19 Pada Koperrasi Simpan Pinjam dan Pembiayaan (KSPPS) Cisaat." Journal of Economic, Bussines and Accounting (COSTING) 5, no. 2 (2022): 1549–59. http://dx.doi.org/10.31539/costing.v5i2.2512.

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Sharia Savings and Loans Cooperative (KSPPS) Cisaat is a company engaged in the financial sector, namely in financing or Sharia-based fund and savings capital. The reserach research was triggered by the problem encountered by the company, namely the inability of the debtors to fulfill their obligations to the company. The research was aimed at determining the settlement of non-performing loans through rescheduling as well as the level of profitability and the factors causing the occurrence of non-performing loans in the company. The population of the research were the financial statements gene

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Hanifah, Hani Siti, and Eliya Fatma Harahap. "Analisa Reward dan Kinerja Karyawan: Service Quality Sebagai Variable Moderating Pada Bank Central Asia." Business Innovation and Entrepreneurship Journal 3, no. 02 (2021): 105–11. http://dx.doi.org/10.35899/biej.v3i02.217.

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Bank Central Asia (BCA) growth rate in terms of profit reached Rp 20 trillion, grew 15.8 percent (year-on-year/yoy), credit portfolio loans grew 5.3 percent to Rp 595.1 trillion, Third Party Funds (DPK) increased 1.3 percent to Rp 761.6 trillion, Operating Income grew 10.3 percent to Rp 37.8 trillion, capital adequacy ratio (CAR) was at 22.9 percent and return on assets (ROA) was 3.1 percent and return on equity (ROE) was 15.6 percent. The purpose of this study was to analyze the relationship of reward and employee performance with employee loyalty as moderating variables. The method is carrie

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Mamurova, Malohat Mansur qizi. "TALABALAR MUSTAQIL ISHLARINI TASHKIL ETISHNING ZAMONAVIY SHAKLLARI." Journal of Contemporary World Studies 2, no. 8 (2024): 18–21. https://doi.org/10.5281/zenodo.14089916.

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<strong>Ushbu maqolada mamlakatimizda oliy ta’lim tizimiga davlat tomonidan berilgan e’tibor, shaxsan prezidentimiz tomondaridan tizimni yanada rivojlantirishga qaratilgan Farmonlari va unda olg‘a surilgan g‘oyalar to‘g‘risida ma’lumotlar o‘z aksini topgan. Bundan tashqari oliy ta’lim tizimida kredit tizimi va unda talabalar mustaqil ishlarining tashkil etilganligi, uning shakllari, bugungi kun holati to‘g‘risida, ko‘pgina olimlar tomonidan talabalar mustaqil ishlarini tashkil samarali tashkil etishlari bo‘yicha qara

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Simanjorang, Jurisman. "PENGARUH PENYALURAN KREDIT, TINGKAT SUKU BUNGA DAN KECUKUPAN MODAL TERHADAP PROFITABILITAS PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2012-2014." Akuntansi Prima 2, no. 1 (2020): 11–21. http://dx.doi.org/10.34012/japri.v2i1.1408.

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The main purpose of a company is to make profit. In calculating the benefits made by a banking company, it can use profitability ratios by using a measurement scale; that is, Return on Assets (ROA). Some of the ratios that affect the profitability of a bank include the Loan to Deposit Ratio, Interest Rates and Capital Adequecy Ratio. The research used the theories of financial accounting and banks and other financial institutions with regard to bank earnings and bank capital. The study used a quantitative approach, this type of research is descriptive, and the nature of research is explanotary

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