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1
Kachalova, A. V. "Convertible loan agreement." Courier of Kutafin Moscow State Law University (MSAL)) 1, no. 11 (February 14, 2022): 206–15. http://dx.doi.org/10.17803/2311-5998.2021.87.11.206-215.
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The subject of this article is a convertible loan agreement. The article offers an analysis of the legal nature of the convertible loan agreement, its subject, subject composition, content. The consequences of concluding a convertible loan agreement for a borrower business company are investigated. Alternative mechanisms of financing the activities of a business company are considered. The assessment of the applied value of the convertible loan agreement is given. It is noted that the convertible loan agreement should be considered as an independent civil law agreement, which includes elements of a number of civil law transactions, which, in cases established by law, is an optional element of a corporate legal relationship, aimed at its dynamics (occurrence or change), providing for the right of the lender, instead of returning all or part of the loan amount and paying all or part of the interest for using the loan upon the onset of the term and (or) other circumstances provided for by this agreement, to demand from the business company — the borrower’s participation in its authorized capital.
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Puspitasari, Sabrina Rizki, and Wiwin Yulianingsih. "The Petitioner’s Legal Standing In Verdict No.4/Pdt.Suspkpu/2018/Pn.Niaga Surabaya With The Case Of Loan Payment Suspension (PKPU) Based On Law No. 37 Of 2004." LIGAHUKUM 2, no. 1 (July 23, 2021): 50–58. http://dx.doi.org/10.33005/ligahukum.v2i1.69.
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Law Number 37 of 2004 concerning Bankruptcy and Suspension of Loan Payment has governed the process of Bankruptcy and Suspension of Loan Payment for State-Owned Corporations in which the one who has authority to submit the petition is the Ministry of Finance as the supervisory agency of a State-owned Corporation. Issue to be raised by the writer in this research is the Legal Standing of the Petitioner in Verdict Number 4 / pdt.sus-pkpu / 2018 / PN.Niaga Surabaya which involves a State-Owned Corporation namely PT Merpati Nusantara Airlines with its Creditors. The issue is analyzed with the applicable laws and regulations, courts verdicts, journals or articles, theories, legal concepts and views of prominent legal scholars. This study aims to determine the legal standing of the petitioner for the Loan Payment Suspension and the legal consequences of this verdict by using normative juridical method. Based on the results of this study, the verdict of Loan Payment Suspension of PT Merpati Nusantara Airlines causes on the state of free from Bankruptcy and the airline can operate again. In addition, through existing Homologation, this company gets an injection of funds from a new company partner. Thus, by operating again, the company can make payment of loans to its creditors, including employees and former employees of the company..
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Yang, Heng‐Li, and Chen‐Shu Wang. "Locating online loan applicants for an insurance company." Online Information Review 32, no. 2 (April 11, 2008): 221–35. http://dx.doi.org/10.1108/14684520810879845.
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Jeppesen, Inge Langhave, and Lars Kjærgård Terkilsen. "Shareholder Loans in Danish Tax Law (Foreign) Shareholders Beware!" Intertax 42, Issue 11 (November 1, 2014): 743–51. http://dx.doi.org/10.54648/taxi2014067.
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Beware - a new Danish provision on shareholder loans means that it can become quite expensive for a shareholder to have a loan in his company - a so-called shareholder loan. The starting point is that shareholder loans are prohibited under the Danish Companies Act and must be repaid. Nevertheless, a survey by the Danish tax authorities shows that several companies extend loans to their shareholders. Consequently, the Danish Parliament has adopted section 16E of the Tax Assessment Act which deals with the regulation of shareholder loans in a tax context. The result of the regulation is that a shareholder loan will - with a few exceptions - be re-categorized either as salary or as a dividend paid to the shareholder. The re-categorization only takes place, if the shareholder is a natural person with decisive influence over the company pursuant to section 2 of the Tax Assessment Act. The regulation encompasses both resident and foreign shareholders as long as the decisive influence is present. Taxation of a shareholder loan is not tantamount to it being legal in a corporate law context. This means that the shareholder might end up in a situation where the loan is being taxed and furthermore the taxpayer has to repay the loan. This article explains the regulation and the way decisive influence has to be understood. An analysis of case law on the exceptions to the regulation is carried out and finally a few remarks on the tax consequences for the shareholder - being resident in Denmark or abroad - are explained.
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Lestari, Retno Martanti Endah, and Masruroh Masruroh. "PERAN SISTEM PENGENDALIAN INTERNAL PEMBERIAN KREDIT DALAM MEMINIMALISASI NON PERFORMING LOAN PADA PT BANK MITRANIAGA, Tbk." JIAFE (Jurnal Ilmiah Akuntansi Fakultas Ekonomi) 1, no. 2 (July 1, 2015): 1–11. http://dx.doi.org/10.34204/jiafe.v1i2.511.
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The one of the main business of banks is give a credit that generate revenue for the company, but on the other hand lending has risks. The risk is the emergence of NPL (Non Performing Loan) or often referred to as bad credit. The higher non-performing loans of a banking company will affect the health of banks. It required a system of internal control lending is effectively enforced in order to assist the company in order to minimize the Non-performing Loan. This study is to explain the role of the internal control system of credit in minimizing non-performing loans at PT Bank Mitraniaga, Tbk. by using primary data and secondary data. The analytical method that used is a qualitative and quantitative descriptive statistics. These results indicate that the correlation analysis values obtained significant correlation of -0.844 and 0.000, it could mean that the internal control system of crediting a significant negative effect on non-performing loans at 5% degree of confidence. Koefisisen Value Determination (Kd) of 71.3% means that the role of the internal control system of credit to non-performing loans amount to 71.3%, while the remaining amount 28.7% is explained or influenced by other factors that not examined such as external factors, customer internal factors, and factors of business failure.Keywords: Internal Control Systems of Credit and Non Performing Loan.
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Anebo, Lantera Nadew. "Debenture as Alternate Scheme of Raising Investment Fund and Its Prospects under Ethiopian Company Law." Mizan Law Review 13, no. 3 (December 31, 2019): 333–62. http://dx.doi.org/10.4314/mlr.v13i3.1.
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With a view to attracting investors, the Government of Ethiopia has offered a variety of incentives and financing schemes. However, the incentives or loan options can be inadequate, susceptible to corrupt practices and inaccessible to many business undertakings. This article examines other possible options of raising investment fund privately from the general public by issuing debt security (debenture). Instead of looking for hand outs of governments or sole reliance on bank loan, investors can raise investment fund from the general public –even beyond national borders– by offering debenture bonds for public subscription. A debenture is debt security that entitles its holder to collect periodic interest until the loan is paid back. Compared to bank loans, raising investment fund through the instrumentality of debentures is more advantageous. The rate of interest, the volume of loan needed for running business, and the time for repayment can be determined by investors. Moreover, the loan is not generally subject to collateral. This article highlights the nature, form, and class of debenture under Ethiopian law, and discusses the legal requirements for the issuance of debenture, the amount of money that can be raised by issuing debentures, the status of debentures in Ethiopia, and legal safeguards for repayment of the loan.
Key terms
Debenture, Bond, Investor, Floating charge, Creditor, Debtor, Ethiopia
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Xu, Boyu, Zhifang Su, and Jan Celler. "Evaluating Default Risk and Loan Performance in UK Peer-to-Peer Lending: Evidence from Funding Circle." Journal of Advanced Computational Intelligence and Intelligent Informatics 25, no. 5 (September 20, 2021): 530–38. http://dx.doi.org/10.20965/jaciii.2021.p0530.
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The United Kingdom is the third-largest peer-to-peer (P2P) lending market in the world, which is surpassed only by the two dominant forces in P2P investing, China and the United States of America. As an innovative financial market in the UK, P2P lending brings not only many opportunities but also many risks, especially the loan default risk. In this context, this paper uses binary logistic regression and survival analysis to evaluate default risk and loan performance in UK P2P lending. The empirical results indicate that credit group, loan purpose for capital needs, sector type, loan amount, interest rate, loan term, and the age of the company all have a significant impact on the probability of loan default. Among them, the interest rate, loan term, and loan purpose for capital needs are the three most important determinants of the probability of loan defaults and survival time of loans.
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Kasim, Anita Ahmad, and Raziyan Dwi Pathan. "Sistem Pendukung Keputusan Kelayakan Penerimaan Nasabah Menggunakan Metode Profile Matching." CESS (Journal of Computer Engineering, System and Science) 5, no. 1 (January 31, 2020): 98. http://dx.doi.org/10.24114/cess.v5i1.14520.
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Abstract—PT Sarana Sulteng Ventura is one company that aims to provide loan capital is micro, small, and medium enterprises (UMKM) as a venture partner timed short or long to be able to stand on its own with loan capital that fits with the kind of effort that it takes for the customer. In providing venture capital loans, the company has some terms and conditions that apply. and the company still cultivate customer data manually so that it takes quite a long time. Then with this author makes the eligibility decision support system which will facilitate customer acceptance staff employees of PT Sarana Sulteng Ventura to pre-screen customer deserves a loan business capital to client or small medium enterprises. The researchers used a system that is web -based systems using the programming language PHP and MySQL into its data base processing and sublime text 2 as editor of programming languages. This research used the method of profile matching process to perform the calculation of assessments to help give the eligibility decision of acceptance the customer at PT. Sarana Sulteng Ventura city of Palu.
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Aulia, Thesa, and Erinos NR. "Pengaruh Kompensasi Eksekutif Dan Efisiensi Operasional Terhadap Kinerja Keuangan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Tahun 2016-2018." JURNAL EKSPLORASI AKUNTANSI 2, no. 2 (May 13, 2020): 2711–25. http://dx.doi.org/10.24036/jea.v2i2.241.
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This study explain the effect of executive compensation and operational efficiency on the financial performance of banking company, which still unclear the effect of these variables. This study purposed to show and examine empirically the effect of executive compensation (X1), Non performing loan (X2), and Loan to deposit ration (X3) on financial performance banking company which measured by Return on asset (Y). the method that used in this study was causative comperative. The data which are used in this study were obtained from the banking company that listed in BEI in 2016-2018 and the sample were collected based on purposive sampling and resulted 117 companies. The result of this study showed that executive compensation has effect on ROA, while non performing loan has negative effect and significant on ROA, and Loan to deposit ratio has positive effect and significant on ROA. The next study expected to use another variables in order to get a better result and describe the variables which has effect on financial performance in company.
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Hassenjürgen, Christoph. "A company wants to take out a corporate loan." Bankfachklasse 43, no. 4 (April 2021): 28–29. http://dx.doi.org/10.1007/s35139-021-0586-6.
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Bedin, Andrea, Monica Billio, Michele Costola, and Loriana Pelizzon. "Credit Scoring in SME Asset-Backed Securities: An Italian Case Study." Journal of Risk and Financial Management 12, no. 2 (May 17, 2019): 89. http://dx.doi.org/10.3390/jrfm12020089.
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We investigate the default probability, recovery rates and loss distribution of a portfolio of securitised loans granted to Italian small and medium enterprises (SMEs). To this end, we use loan level data information provided by the European DataWarehouse platform and employ a logistic regression to estimate the company default probability. We include loan-level default probabilities and recovery rates to estimate the loss distribution of the underlying assets. We find that bank securitised loans are less risky, compared to the average bank lending to small and medium enterprises.
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Arizona, Nanda Diaz, Yulia Yulia, and Adiansyah Adiansyah. "Rancang Bangun Sistem Informasi Pembiayaan Kredit Mobil Pada PT Mandiri Tunas Finace Pontianak." Building of Informatics, Technology and Science (BITS) 3, no. 3 (December 31, 2021): 285–94. http://dx.doi.org/10.47065/bits.v3i3.1069.
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PT. Mandiri Tunas Finance is a car showroom company that serves car sales on credit, which is located on Jl. Ayani Megamall Complex Block B. No. 35 36.PT. Mandiri Tunas Finance is a company as an intermediary or service that helps or cooperates with partners in the car loan process. The partner is a limited liability company that sells car units on credit, but if the prospective buyer wants a car loan, the partner will obtain data on the prospective customer's credit application which will then be processed through Mandiri Tunas Finance. Therefore, there are still many partners who need a place to disseminate information on car units with the credit method so that they are widely known by external parties and make it easier for the car loan financing process. So the author makes a website-based car loan financing application at PT. Mandiri Tunas Finance uses the PHP (Hypertext Processor) programming language, where this application is made for prospective customers to be able to access the website to apply for a car loan easily and simply select the desired car unit on the website
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Munawar, Andri Helmi, and Yogi Sugiarto Maulana. "ANALISIS KINERJA SAHAM SEBAGAI DAMPAK DARI DETERMINASI NON PERFORMING LOAN TERHADAP PROFITABILITAS." AdBispreneur 4, no. 2 (January 21, 2020): 145. http://dx.doi.org/10.24198/adbispreneur.v4i2.19365.
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Fundamental performance of the banking sector which is proxied by CAMEL analysis is an indicator that is able to assess the level of soundness of a company that has an impact on the potential performance of a company's stock portfolio. This article wants to reveal how companies can understand how to improve company performance and improve performance on company performance. The sample in this study uses purposive sampling, secondary data on financial statements of PT Bank Negara Indonesia (Persero) Tbk with a study period of 2007-2017, research using quantitative methods with explanatory methods, analysis techniques using path analysis. The results of this study indicate that non-performing loans have a significant effect on return on assets, but partially both the effects of non-performing loans and return on assets are not significant on stock prices. The existence of mediation variables in this study does not become a significant influence on changes in stock prices, meaning that there is no significant non-performing loan effect on stock prices with return on assets as an intervening variable.. Kinerja fundamental sektor perbankan yang diproksikan dengan analisis CAMEL merupakan indikator yang mampu menilai tingkat kesehatan suatu perusahaan yang tentunya ber-impact terhadap kinerja potofolio saham perusahaan. Penelitian ini ingin mengungkap bagaimana perusahaan dapat mengetahui dampak kinerja fundamental salah satu aktiva produktif yang berisiko (non performing loan) terhadap profitabilitas bank dan dampaknya pada performance saham perusahaan. Sampel pada penelitian ini menggunakan purposive sampling, data sekunder laporan keuangan PT Bank Negara Indonesia (Persero) Tbk dengan periode waktu penelitian 2007-2017, pendekatan penelitian menggunakan kuantitatif dengan metode eksplanatori, teknik analisis menggunakan analisis jalur. Hasil penelitian ini menunjukkan non performing loan memiliki pengaruh signifikan terhadap return on asset, namun secara parsial baik pengaruh non performing loan dan return on asset tidak signifikan terhadap harga saham. Keberadaan variabel mediasi dalam penelitian ini tidak menjadi pengaruh berarti terhadap perubahan harga saham, artinya tidak terdapat pengaruh signifikan non performing loan terhadap harga saham dengan return on asset sebagai variabel intervening.
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Ammy, Baihaqi, and Puja Rizqy Ramadhan. "Determinan Nilai Perusahaan dengan Kepemilikan Institusional Sebagai Variabel Moderating." Jurnal Ilmiah Manajemen dan Bisnis 22, no. 1 (April 30, 2021): 103–10. http://dx.doi.org/10.30596/jimb.v22i1.5618.
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This research aims in general to produce a determinant model of corporate value with institutional ownership as a moderating variable in banking companies listed on the Indonesia Stock Exchange. The sample in this study is all public banking sector companies listed on the Indonesia Stock Exchange (IDX) which number 43 companies The type of data used in this study is using primary data. The results showed that variable returns on assets had a positive but insignificant effect on the company's value variables. Non-performing loan variables negatively and significantly affect the company's value variables. Variable capital adequacy ratio has a positive and significant effect on the variable value of the company. Variable loan to deposit ratio negatively and insignificant to the variable value of the company. Variable operating costs to operating income have a positive but insignificant effect on the company's value variables. Institutional ownership variables are unable to moderate the effect of variable return on assets, non performing loans, capital adequacy ratios, loan to deposit ratios and operating costs on operating income against the company's value.
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Surya, Putu Pryanka Chitta, and Made Gede Wirakusuma. "Pengaruh Kinerja Keuangan dan Kebijakan Restrukturisasi Kredit pada Nilai Perusahaan Perbankan di Bursa Efek Indonesia." E-Jurnal Akuntansi 31, no. 6 (June 26, 2021): 1494. http://dx.doi.org/10.24843/eja.2021.v31.i06.p11.
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This study aims to obtain empirical evidence of the effect of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and credit restructuring policies on the value of banking firms on the Indonesia Stock Exchange. The research was conducted by analyzing quarterly financial reports published on the Indonesia Stock Exchange website which contained information on banking financial performance ratios, credit restructuring policies, and company value using the PBV method. The Sampling method uses purposive sampling method. The data analysis technique uses multiple linear regression. The results showed that NPL had a negative and significant effect on firm value, LDR had a positive and significant effect on firm value. CAR has a positive and significant effect on firm value. The Credit Restructuring Policy has a negative and significant effect on firm value.
Keywords: Non Performing Loans; Loan to Deposit Ratio; Capital Adequacy Ratio; Credit Restructuring Policy; Company Value.
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Wito, Wito. "ANALYSIS OF FACTORS AFFECTING THE RETURN ON ASSETS OF BANK LISTED IN INDONESIA STOCK EXCHANGE PERIOD 2008-2011." Business and Entrepreneurial Review 13, no. 2 (May 11, 2017): 93. http://dx.doi.org/10.25105/ber.v13i2.1843.
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<p>This research aims to analyze the influence of the non-performing loan, loan to deposit ratio, operational efficiency ratio, capital adequacy ratio and firm size on return on assets banking company listed on the Indonesia stock exchange during the period 2008-2011.</p><p>The Sample used in this study is as much as 23 companies, whereas the methods of analysis used is multiple regression based on ordinary least square (OLS)</p><p>The results showed that based on the test-t, it can be inferred that the non-performing loan, the operational efficiency ratio and firm size effect significantly to profitability (as measured by return on assets). While the loan to deposit ratio and capital adequacy ratio was not significant effect of the return on asset banking company. In the meantime, based on test-F all independent variables influence significantly to return on asset banking company listed on the Indonesia stock exchange period 2008-2011</p>
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Senosuryoputro, Benedictus Wibisono, and Ratnawati Kurnia. "Pengaruh Informasi Rasio Keuangan dan OpiniAudit Tahun Sebelumnya Terhadap Penerimaan Opini Audit Going Concern." Jurnal ULTIMA Accounting 7, no. 2 (August 1, 2016): 75–93. http://dx.doi.org/10.31937/akuntansi.v7i2.182.
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This research as causal research studies conducted to establish a causal relationship between variables Quick Ratio, Loan to Deposit Ratio, Non-Performing Loans, Return on Assets, Capital Adequacy Ratio, and Prior Year Audit Opinion on the acceptance of going concern audit opinion. The object of this research is the banking companies listed in Indonesia Stock Exchange in 2008 - 2012. Samples were taken by using purposive sampling as many as 24 banking company. Criteria taken among companies that publish financial statements audited by an external auditor in the year 2008 - 2012 and has a poor financial ratios (LDR<78% and LDR> 92%, NPL>5%, ROA<1.2%, and CAR<8%) at least one time period between the years 2008-2012, in accordance with regulation of Bank Indonesia. This research use Regression logistic, because the dependent variable measured by nominal scale, therefore dummy model is used, where 1 is symbolized for a company that received going concern audit opinion, and 0 is symbolized for a company that not received going concern audit opinion. In testing the hypothesis can be seen that only the previous year's audit opinion variable which is non-financial information, have a significant influence on the acceptance of going concern audit opinion. While other variables such as Quick Ratio, Loan to Deposit Ratio, Non-Performing Loans, Return on Assets and Capital Adequacy Ratio which is a ratio of financial information, does not have a significant effect on the auditor in the provision of going concern audit opinion.
Keywords: Acceptance of Going Concern Audit Opinion, Quick Ratio, Loan to Deposit Ratio, Non-Performing Loans, Return on Assets, Capital Adequacy Ratio, Prior Year Audit Opinion.
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Zhang, Jinjin, Xin Li, Yong-Hong Kuo, and Yan Chen. "Coordinating Supply Chain Financing for E-commerce Companies Through a Loan Contract." SAGE Open 11, no. 4 (October 2021): 215824402110654. http://dx.doi.org/10.1177/21582440211065455.
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This paper considers an online retailer and his or her manufacturer, both facing financial constraints and wishing to get loans from their e-commerce platform-backed finance company. Based on shared transaction data and monitored sales accounts, a tripartite loan contract is proposed to coordinate three parties’ actions in this supply chain financing problem. We prove that the proposed loan contract aligns the decentralized decision-makings of each party and duplicates the optimal channel performance under a fully integrated decision-making framework. A case study is then conducted to illustrate the performance of the proposed loan contract. The result shows that the proposed loan contract outperforms wholesale-price contracts, where coordination does not take place, and buyback contracts, where coordination happens between the retailer and the manufacturer only. Furthermore, a sensitivity analysis reveals that profit allocations among the lender, the retailer, and the manufacturer resulted from the proposed loan contract are more balanced when the cost-to-retail ratio or risk premium is high.
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Kumalasari, Dewi. "Perusahaan Modal Ventura Perspektif Ekonomi Syariah." JES (Jurnal Ekonomi Syariah) 1, no. 1 (September 5, 2016): 98–114. http://dx.doi.org/10.30736/jes.v1i1.7.
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In Indonesia, so many financial institutions that provide financing, either in the form of equity or in the form of loan. Financial institutions that provide financing in the form of loan, such as financial institutions of Islamic banks, require borrower to provide collateral and require financing prospective customer to attach financial statement of the business operated. The problem arises when the company that is going to start a business wants to apply for a loan to the Islamic bank, which new company has no the financial statements at all, even has no collateral required by the Islamic bank. Financing is one of the important things for companies that are just about to start a business, but it is difficult to obtain. Are there financial institutions, particularly the Islamic financial institutions that provide loan without requiring collateral or attach the financial statements of the business? A new company which is just opening a business, and have difficulties in getting funding, but still want to obey sharia principles, the right solution is a Sharia venture capital. On the one hand, the presence of sharia venture capital not only merely accommodates the interest of Muslims, but also emphasises on factors of advantage and benefit by providing financing help for economic activities, both small, medium, and large enterprises with the principles of sharia compliance. Venture capital is a form of the provision of capital to a company in the form of capital which, in this case, the company does not require collateral, like in Islamic banking. The company that wants to borrow from financial institutions, but do not want to earn or pay interest, as in conventional bank, the sharia venture capital sharia is the solution. Furthermore, to introduce and expand the knowledge of venture capital, especially sharia venture capital, this paper will discuss in one paper entitled sharia venture capital perspective on sharia economics.
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Bohdan, Roman, Elizabeth Tipton, Dean Kefer, and Arsen Djatej. "The Case of Minority Small Business Owners." International Journal of Finance & Banking Studies (2147-4486) 3, no. 3 (July 21, 2014): 01–13. http://dx.doi.org/10.20525/ijfbs.v3i3.185.
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This academic research explores the availability of loan financing to minority-owned businesses and examines a potential relationship between the size of a loan and the characteristics of a business in the USA. It also investigates the possible impact of different characteristics and quantifiable criteria on credit loan denial across different demographic groups. Probit models are used to evaluate the potential existence of racial or ethnic discrimination in the availability and approval of credit. Regression analysis is used to assess the impact that the race of a small business owner has on the relative size of a denied loan, the size of portioned credit, or the size of the company. When other variables suspected of influencing credit approval and rationing are controlled, black-owned and Asian-owned businesses appear to be less likely to be approved for loans and more likely to experience significantly greater credit rationing than their white counterparts.
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Manurung, Elizabeth Tiur. "MANAGING COMPANY’S FOREIGN CURRENCY LOAN TO INCREASE PERFORMANCE THROUGH ECONOMIC VALUE ADDED." TRIKONOMIKA 18, no. 1 (June 29, 2019): 13. http://dx.doi.org/10.23969/trikonomika.v18i1.1514.
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One impact of global crisis, is increasing foreign currency rate of Indonesian IDR. Company with foreign debt exposures will suffer financial losses, if the exchange rate of the foreign currency becomes stronger. These losses will reduce the company Economic Value Added (EVA), and reduce the financial performance. Then, the purpose of this research is to calculate the effect of changes in foreign currency rates on the company’s economic value added. Research method used in this study is Causal method. This study used company secondary data, based on Indonesian Stock Exchange. Based on research conducted, the result of this research proves that the changes in foreign currency rates on foreign liabilities affected significantly (with α = 5%) on company’s economic value added. In PT. KF case, revenues earned by the company could cover all cost incurred including cost to cover the loss of exchange rate gap of foreign debt and capital cost
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Adams, William, Liran Einav, and Jonathan Levin. "Liquidity Constraints and Imperfect Information in Subprime Lending." American Economic Review 99, no. 1 (February 1, 2009): 49–84. http://dx.doi.org/10.1257/aer.99.1.49.
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We present new evidence on consumer liquidity constraints and the credit market conditions that might give rise to them. We analyze unique data from a large auto sales company serving the subprime market. Short-term liquidity appears to be a key driver of consumer behavior. Demand increases sharply during tax rebate season and purchases are highly sensitive to down-payment requirements. Lenders also face substantial informational problems. Default rates rise significantly with loan size, providing a rationale for loan caps, and higher-risk borrowers demand larger loans. This adverse selection is mitigated, however, by risk-based pricing. (JEL D14, D82, D83, G21)
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Yuniarti, Rozmita Dewi, and Dede Karyana. "PENGARUH PENDAPATAN USAHA TERHADAP KEMAMPUAN PENGEMBALIAN KREDIT (Studi Kasus pada NPL (Non Performing Loan) SPP-UPK Samarang Garut Periode Januari 2007-Juni 2009)." Strategic : Jurnal Pendidikan Manajemen Bisnis 10, no. 2 (September 13, 2010): 49. http://dx.doi.org/10.17509/strategic.v10i2.1089.
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UPK Samarang represent institute organizer of fund and activity of governmental program that is PNPM-MANDIRI Countryside inDistrict of Samarang Garut which its effort make a move in the field of channeling and management of loan of SPP and of UEP. Besides, in program budget year of UPK functioning Samarang as organizer and dealer of construction fund. Target of most important company is to get profit in the form of loan service, to be able to yield big service hence company have to strive effectively and is efficient. Attainment of company profit in the form of loan service very depend on fluent rate of return. fluent the payment of loan of fundamental goodness and also loan service of menunjukan company efektifitas in depressing the amount of jam of credit of loan have problem. This research aim to to know operating income of group member, ability of return of credit of SPP and influence of operating income to ability of return of credit of SPP. this Object Research is financial statement of SPP UPK Samarang period of January 2007 up to period of June 2009. Data which [is] used in this research isprimary data and data of sekunder, with data collecting technique through interview with delegation of group member and Bursar of UPK Samarang, observation of[is non literature study and participant. This research have the character of descriptively of verifikatif, method of explanatory survey and use case study method by using sampling technique that is technique of purposive sampling. While data processing use simple linear regression analysis. Pursuant to result of examination of statistic obtained by information that there are influence which are positive between earnings ably return of credit of UPK Samarang, hence obtained by conclusion that ability of return of credit influenced by operating income equal to 18.49% and the rest equal to 81.51% influenced by other factor like individual character, mechanism and system, institute, and economic condition in general
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de la Fuente-Cabrero, Concepción, Mónica de Castro-Pardo, Rosa Santero-Sánchez, and Pilar Laguna-Sánchez. "The Role of Mutual Guarantee Institutions in the Financial Sustainability of New Family-Owned Small Businesses." Sustainability 11, no. 22 (November 14, 2019): 6409. http://dx.doi.org/10.3390/su11226409.
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Small family-owned companies are the most common type of European business structure and are characterised by their orientation to long-term goals. Therefore, they can play an important role in the launching of businesses related to sustainable growth. However, access to finance is difficult for start-ups. Mutual Guarantee Institutions (MGIs) mitigate this problem by facilitating long-term guaranteed loans, but they must assume responsibility for default losses. This paper analyses, as of the end of 2018, the loan default of the portfolio of guarantees formalised by Spanish MGIs with new companies between 2003 and 2012, a period including both economic growth and recession. The objective is to identify the annual evolution and the average global cost of default, as well as the differences in said portfolios according to the purpose of the loan, company size and economic activity. The analysis was developed while considering two scenarios: one determinist, using a ratio method and another stochastic, using an analysis of variance. We found differences in the distribution of defaults for the variables company size and sector of activity. The findings provide relevant information for managers and Public Administrations to improve the distribution of guarantees between Spanish MGIs and public institutions, and their coverage of Small and Medium Enterprise (SME) loan defaults.
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Agusta, Silvia Dela, Siti Nurlaela, and Purnama Siddi. "Pengaruh Kepemilikan Mangerial , Debt To Equity Ratio,Kepemilikan Institusioanal Dan Ukuran Perusahaan Terhadap Kinerja Perusahaan." Owner 6, no. 2 (January 21, 2022): 1184–93. http://dx.doi.org/10.33395/owner.v6i2.673.
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The purpose of this study was to analyze KM, DER, KI, firm size and the effect of firm or organizational size on industrial business performance. The sample for this survey includes 26 businesses with a business population of 14 companies. Sampling by purposive sampling. The conclusion of the survey shows that management ratios and firm size have an influence on organizational performance. On the other hand, the amount of the company's debt has no effect on the company's performance. The results of the study indicate that manager ownership has a positive effect on company performance. This means that companies in the manufacturing sector increase manager ownership to improve business performance. DER has a negative and significant effect on company performance. Indeed, this company does not rely on loan funds or loan funds to fulfill its financial integrity because the company often uses internal capital rather than external capital, thus the size of the company's obligations does not affect the size of the business achieved by the company. KI has a negative and significant effect on company performance. Indeed, the size of the shares owned by an organization does not necessarily affect the high and low performance of a company. While the size of the company has an effect on company performance, meaning that the higher the total assets, the lower the financial performance.
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Nikmah, Putri Lailatul, Yunita Kristiyono, and Johni S. Pasaribu. "Aplikasi Pembayaran Daring Berbasis Web di PT Goyong Bisnis Indonesia." Jurnal ICT : Information Communication & Technology 20, no. 2 (December 29, 2021): 317–22. http://dx.doi.org/10.36054/jict-ikmi.v20i2.407.
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Abstract-. The use of information technology, computers and internet technology has penetrated in all areas of life, including the business world, including the processing of financial transactions such as online payments. Loan payments still often experience problems, they are still manual and less efficient for customers, especially when the customer is out of town. With the technological advances mentioned above, various innovations have been made to facilitate business interactions, including financial technology (fintech), which means financial technology, which is a technological innovation (breakthrough) carried out in the financial sector so that financial services can be carried out quickly, efficiently, and efficiently. and have a positive impact. This payment application contains company information, company terms and policies regarding lending, view the time and amount of online loans agreed between the customer and the company, make payments and view proof of payment and make investments and withdrawals of money. The design of this software is done with the freeware phpMyAdmin which supports MySQL database. This system development methodology is the classic waterfall method with object-oriented design using UML. This application has been used and helps the finance department in recording online loan payments and the customer can see proof of the transfer of the payment.
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Rachman, Andy, Andreansyah, and Rahmi. "Implementation of Incremental Models on Development of Web-Based Loan Cooperative Applications." International Journal of Education, Science, Technology, and Engineering 3, no. 1 (May 31, 2020): 26–34. http://dx.doi.org/10.36079/lamintang.ijeste-0301.105.
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Technology is an integral part of application development. Utilization of technology under the target user application becomes one assessment in the success of a software. The XYZ Savings and Loan Cooperative is a non-bank financial company engaged in savings and loans. In the employee payroll process so far it still uses the manual method, start from recording attendance, up to the salary calculation process. Web-based application development developed by researchers is used to overcome the problems of XYZ Savings and Credit Cooperatives. Development of Savings and Loan Cooperative applications developed using the incremental model. 31 respondents from the company tested the application. Application testing based on usability factor ISO 9126-3. Applications get a value of 82.66% in terms of ease of understanding, 81.50% in terms of ease of study, 81% in terms of ease of operation, 81.33% in terms of interest and 82% in terms of usage compliance. The average total rating in terms of the usefulness of the application get 82.66% so the application is very useful for companies in helping to calculate employee payroll.
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ERVINA, NANCY IKA, and MUSDHOLIFAH MUSDHOLIFAH. "Analisis Kinerja Keuangan PT. BNI (Persero) Tbk Sebelum dan Sesudah Melakukan Seasoned Equity Offerings." BISMA (Bisnis dan Manajemen) 3, no. 1 (June 6, 2018): 34. http://dx.doi.org/10.26740/bisma.v3n1.p34-48.
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Seasoned equity offering (SEO) is done by public company which need seasoned loan to costing operational activities and invest. Except to costing operational activities and invest a company, this offering can used to looking for seasoned loan to pay company loan. The aim of this study is to analyze financial performance of PT. BNI (Persero) Tbk before and after seasoned equity offering (SEO) with CAMELS (Capital, Assets Quality, Management, Equity, Liquidity, dan Sensitivity) measurement. This research represent descriptive which purposed to collect information about exist symptom. This research is done in PT. BNI (Persero) Tbk. Ratio analysis are using Capital : CAR, Assets Quality : KAP1 dan KAP2, Earning : ROA dan BOPO, Liquidity : NCM to CA dan LDR, which later from the ratio can be explained its meaning. The conclusion of this research that financial performance PT. BNI (Persero) Tbk generally before seasoned equity offering (2006) is better than after seasoned equity offering (2008) which is in first period (January – March), second period (April – June), and third period (July – September). Therefore in fourth period (October - December) 2008, financial performance PT. BNI (Persero) Tbk is better than 2006.
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Woo, Yong-Sang. "The Effect Of Affiliate Loan Guarantees On Cost Of Debt: Evidence From Korea." Journal of Applied Business Research (JABR) 33, no. 5 (August 31, 2017): 993–98. http://dx.doi.org/10.19030/jabr.v33i5.10021.
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A loan guarantee occurs when a company guarantees payment of an affiliate’s loan. Conflicting arguments regarding loan guarantees provided to affiliates have prevailed. First, some suggest that loan guarantees provided to affiliates would decrease firm value because they are contingent liabilities (Shim, 1996; Berkman, Cole & Fu, 2009). Second, others suggest firm value is high when the amount of loan guarantees provided to affiliates is large because loan guarantees would be regarded as a positive indicator of future cash flow (Lee, 2005). The purpose of this study was to present additional empirical evidence of these arguments.
The result of this study showed that cost of debt is high when the amount of loan guarantees provided to affiliates is large. This result indicates that creditors demand higher risk premiums when the amount of loan guarantees provided to affiliates is large because they regard loan guarantees as contingent liabilities. Therefore, this result supports the assertion that loan guarantees decrease firm value.
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Setiawan, Rahmat, and Koko Sudiro. "STRUKTUR MODAL DAN PROFITABILITAS PERUSAHAAN ANGGOTA HOLDING PT PUPUK INDONESIA (PERSERO)." Jurnal Ekonomi dan Bisnis 23, no. 1 (July 10, 2019): 37–46. http://dx.doi.org/10.24123/jeb.v23i1.2010.
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This research aims to investigate the effect of capital structure on profitability of the firms included in holding company PT Pupuk Indonesia (Persero). Capital structure is measured by 3 proxies, including Debt to Assets Ratio (DAR), Short-term Loan to Total Assets, and Long-term Loan to Total Assets. Profitability is measured by Return on Assets (ROA). Data were obtained from financial reports quarterly during period 2011-2015. The research results show that both DAR and Short-term Loan to Total Assets have negative significant effects on profitability. Long-term Loan to Total Assets does not have a significant effect on profitability.
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Malini, Fitri. "Capital Adequacy Ratio dan Tingkat Suku Bunga Kredit Terhadap Penyaluran Kredit di Bursa Efek Indonesia." Agregat: Jurnal Ekonomi dan Bisnis 1, no. 1 (September 30, 2017): 59. http://dx.doi.org/10.22236/agregat_vol1/is1pp59-72.
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His study aimed to determine the effect of the Capital Adequacy Ratio (CAR), and the interest rate loans to total lending in the banking companies in the Indonesia Stock Exchange. The method used in this research is the method of explanation, the independent variables used in this study consisted of Capital Adequacy Ratio (CAR), and loan interest rates while the dependent variable is the amount of lending. The population in this study were banking companies in the Indonesia Stock Exchange, samples taken amounted to 10 (ten) companies with the research period between 2009 and 2013. Partially Capital Adequacy Ratio (CAR), significant negative effect on the amount of lending, and loan interest rates are not significant positive effect on the amount of lending. While simultaneously Capital Adequacy Ratio (CAR), and loan interest rates not significant effect on the amount of lending to the banking company in BEI 2009-2013.
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Santoso, Aries, and Carunia Mulya Firdausy. "Pengaruh Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, Loan To Deposit Ratio, dan Bank Size terhadap Harga Saham Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia." Jurnal Manajemen Bisnis dan Kewirausahaan 5, no. 5 (September 29, 2021): 546. http://dx.doi.org/10.24912/jmbk.v5i5.13330.
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This study aims to analyze the influence of Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, Loan to Deposit Ratio, and Bank Size jointly and partially to Stock Price of banking sector company that listed on Indonesian Stock Exchange for period 2011-2018. This research used the purposive sampling method and obtained the 5 largest market capital banking sector companies as a sample. The analysis method used is multiple linear regression through SPSS 26 program. The results of this study show that Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, and Bank Size have significant influence to stock price. While Capital Adequacy Ratio, Non-Performing Loan, Loan to Deposit Ratio partially have significant influence on the stock price. Meanwhile, Net Interest Margin, Return On Asset, and Bank Size have not a significant influence on the stock price of banking sector company that listed on the Indonesian Stock Exchange for period 2011-2018. Penelitian ini dimaksudkan untuk mencari pengaruh Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, dan Bank Size mengenai keterkaitannya pada harga saham baik secara bersamaan maupun parsial terhadap harga saham perusahaan sektor bank yang ada di Bursa Efek Indonesia untuk periode penelitian 2011 – 2018. Penelitian ini mengunakan metode purposive sampling yang ditetapkan sebanyak 5 perusahaan sektor perbankan yang memiliki kapitalisasi pasar terbesar sebagai sampel. Metode analisis yang dipakai menggunakan regresi linear berganda melalui bantuan SPSS 26. Hasil penelitian membuktikan secara simultan, Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return On Assets, Loan to Deposit Ratio, dan Bank Size berpengaruh signifikan terhadap harga saham. Sementara secara parsial, Capital Adequacy Ratio, Non-Performing Loan, dan Loan to Deposit Ratio berpengaruh terhadap harga saham. Sedangkan Net Interest Margin, Return On Asset, dan Bank Size tidak berkaitan terhadap harga saham sektor bank yang terdaftar di Bursa Efek Indonesia periode 2011-2018.
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Sydykova, Ch K., Sh Kh Atakhodjaev, U. M. Abdyldaeva, and T. Sh Atakhodzhaeva. "THE NEED FOR ANTI-CRISIS MANAGEMENT BASED ON FINANCIAL DIAGNOSTICS." Herald of KSUCTA n a N Isanov, no. 2-2021 (June 24, 2021): 292–95. http://dx.doi.org/10.35803/1694-5298.2021.2.292-295.
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This article reveals the issues of the need for financial diagnostics of an enterprise to determine the financial situation in it. Another equally important reason for interest in diagnostic tools is the need for enterprises to use bank loans to finance their activities. Effective diagnostic tools give direction to the need to use a bank loan to finance the activities of an enterprise, the volume of which is increasing from year to year against the backdrop of a growing share of overdue loans and general insolvency of borrowers. Banks transfer most of their monetary funds and assets for long-term use to borrowers in the form of a loan. For this reason, the work of banks depends on experience, the level of professional training, methodological, instrumental support of employees who are involved in providing loans to representatives of commercial enterprises. Bank specialists must have reliable information about the financial stability of the company - the borrower. Based on the analysis received, the specialist makes a conclusion about the issuance of a loan. An objective analytical assessment of financially stable enterprises enables the bank to issue a loan on certain conditions. This ensures the profitable operation of banks, as well as the effectiveness of the development of the national economy, clearing it of unprofitable objects. Therefore, the study of the application of financial diagnostics in anti-crisis management is relevant.
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IRAWAN, ADE. "ANALISIS PENGARUH RETURN ON ASSETS (ROA), LOAN TO DEPOSIT RATIO (LDR), DAN NON PERFORMING LOAN (NPL) TERHADAP PRICE EARNING RATIO (PER) PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE TAHUN 2011 - 2014." Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis 3, no. 1 (May 5, 2018): 42. http://dx.doi.org/10.32493/pekobis.v3i1.p42-71.1230.
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ABSTRAK This research was conducted to examine the effect of Return On Assets (ROA), Loan to Deposit Ratio (LDR), and Non-Performing Loans (NPL) to Price Earning Ratio (PER). The research sample was taken from 23 commercial banks listed company in Indonesia Stock Exchange that have gone through a screening process to obtain a representative sample in accordance with the criteria of samples or known by purposive sampling method. Methods of data analysis used in this study is the method of analysis using Eviews 7.1 Panel Data. These results indicate partial ROA has a negative and significant effect on the PER of 49.72%, LDR has no real effect, and no significant effect on the PER, NPL has a real and significant effect on the PER of 38.40%. While simultaneously PER, LDR , and NPL together (simultaneously ) had no significant effect on the PER Kata Kunci: Return On Assets, Loan to Deposit Ratio, Non Performing Loan, Price Earning Ratio, Purposive Sampling, Eviews
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Churyk, Natalie Tatiana, Paul de Lange, Stephani Mason, Guy M. Gross, and Robert Stoettner. "A Bargain $60 Million Company for $240: A Case Examining the Impact of Convertible Debt, Warrants, and Anti-Dilution Provisions." Issues in Accounting Education 33, no. 1 (September 1, 2017): 65–73. http://dx.doi.org/10.2308/iace-51894.
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ABSTRACT This case presents graduate and advanced-level accounting students with the task of analyzing U.S. GAAP warrant accounting concepts in the context of Bohn Industries, a company that after a decade as a public company was in financial distress. Faced with shrinking demand and poor economic conditions in the housing construction business, Bohn was forced to access the private equity market to raise much-needed capital to continue its operations. The consequences of the investor protection clauses inherent in the loan agreements provide a useful lens to explore the implications and eventual takeover of Bohn for $240 plus the original borrowing, a bargain for a company with $60,000,000 in net assets. Besides encouraging students to research the technical aspects of U.S. GAAP relative to the accounting treatment of the loan, the case study provides insights into how accounting decisions are integral to the broader business environment. Specifically, the case highlights the conflation of economic consequences and aspects of contract law within specific provisions of the loan agreement in relation to anti-dilution stock provisions and preferential conversion clauses. Students will learn that accountants should act as business advisors, which requires the integration of knowledge from a range of disciplines. Students learn about due diligence relative to understanding the risks involved in certain contract clauses.
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Ayem, Sri, and Sri Wahyuni. "PENGARUH LOAN TO DEPOSIT RATIO, CAPITAL ADEQUACY RATIO, RETURN ON ASSET DANNON PERFOMING LOAN TERHADAP RETURN SAHAM." Jurnal Akuntansi 5, no. 1 (June 15, 2017): 71. http://dx.doi.org/10.24964/ja.v5i1.258.
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This study aimed to examine the effect Loan to Deposit Ratio (LDR) , Capital Adequacy Ratio (CAR) , Return on Assets (ROA) and Non -Performing Loans (NPL) on stock returns banking companies listed in Indonesia Stock Exchange . The Independent variable used is the Loan to Deposit Ratio (LDR) , Capital Adequacy Ratio (CAR) , Return on Assets (ROA) and non- performing loan (NPL) dependent variable stock returns . The purpose of this study was to obtain empirical evidence about the influence of Loan to Deposit Ratio (LDR) , Capital Adequacy Ratio (CAR) , Non Performing Loan (NPL) and Return on Assets (ROA) on stock returns banking companies listed in Indonesia Stock Exchange . The population in this study is a banking company that is listed on the Indonesia Stock Exchange (IDX) the observation period 2008 to 2012 . Data used in this study was obtained from the Bank's Financial Statements obtained from the website of the Indonesia Stock Exchange and Bank Indonesia . Data analysis method used is multiple linear regression , hypothesis testing while using the simultaneous test ( F test ) to test the effect of these variables together and t test with a significance level of 5 % to test the effect of partial variables . Based on the test results , the results obtained simultaneously Loan to Deposit Ratio (LDR) , Capital Adequacy Ratio (CAR) , Return on Assets (ROA) and Non -Performing Loans (NPL) effect on stock returns in banking companies listed in Indonesian Stock Biursa , while partially Loan to Deposit Ratio (LDR) has a positive effect is not significant , its capital adequacy ratio (CAR) and Return on Assets (ROA) and a significant positive effect of Non performing loan (NPL) significant negative effect on stock returns in corporate banking . Predictive ability of the four variables on stock returns is 57.1 % , as indicated by the adjusted R2 , while the rest is influenced by other factors not included in our model .
Keywords: stock return, Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, Non-performing loan
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S, Basir, and Shofhatul Maulidiyah Hasanah. "PENGARUH OPERATING LEVERAGE TERHADAP POFITABILITAS (Pada Perusahaan Manufaktur Industri Barang Konsumsi)." IQTISHODUNA 13, no. 2 (November 22, 2017): 21–26. http://dx.doi.org/10.18860/iq.v13i2.4486.
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Abstract: The manufacturing company is an industrial company that processes raw materials into finishedgoods. In its operations, manufacturing companies require huge costs. Large-scale enterprise will easilyobtain a loan. However, with debt financing will affect the profitability of the company. The purpose of thisstudy was to determine the effect of operating leverage on profitability in the consumer goods industrymanufacturing company. The sample used in this study were 17 out of a population of 37 companiesmanufacturing consumer goods industry 2011-2015. The results showed that operating leverage effectsignificantly positively on profitability.
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Mizik, Tamas. "Bonusz Agro Cooperative: loan options." International Food and Agribusiness Management Review 23, no. 2 (June 3, 2020): 301–12. http://dx.doi.org/10.22434/ifamr2019.0113.
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Cooperation of producers is essential in agricultural production. The producer group is the official organization of the European arable sector. The Bonusz Agro producer group was established in 2015, and its legal form is cooperative. They use cooperative principles such as the democratic decision-making process ‘one member – one vote’ principle for both significant and insignificant decisions, unlike some other cooperatives. The management of the cooperative is considering investing in a new industrial site. This new site will be for cleaning/drying the produce, and storing it in a new storage facility, among other things. The company currently lacks sufficient financial resources to make this investment possible. One of the obstacles to obtaining the necessary finances is the lack of collateral the organization has control over. This case study examines the investment decision. The main focus is on how the organization can enlist the contribution of all members. The most delicate part of the decision-making dilemma is that all members would have to offer some of their own assets as collateral. These assets would be part of their agricultural land, which is necessary to obtain the required external financial resources from banks.
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Barry, Peter J., and W. H. Pepper. "Effects of Holding Company Affiliation on Loan/Deposit Relationships in Agricultural Banking." North Central Journal of Agricultural Economics 7, no. 2 (July 1985): 65. http://dx.doi.org/10.2307/1349328.
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Jović, Zoran. "The importance of loan application analysis in the financing process of company." Revizor 21, no. 84 (2018): 87–99. http://dx.doi.org/10.5937/rev1881087j.
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Saputra, Tedy Setiawan, Isnurhadi Isnurhadi, and Harsi Romli. "Pengaruh Inflasi Terhadap Tingkat Piutang Bermasalah (Non Performing Loan) Perusahaan Pembiayaan di Kota Palembang." Jurnal Ilmiah Ekonomi Global Masa Kini 10, no. 2 (December 17, 2019): 99. http://dx.doi.org/10.36982/jiegmk.v10i2.845.
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<div class="page" title="Page 1"><table><tbody><tr><td> </td></tr><tr><td><div class="layoutArea"><div class="column"><p><span>ABSTRACT</span></p></div></div><img src="blob:http://ejournal.uigm.ac.id/4bbedd75-cb4b-4378-86e4-916c8929b38f" alt="page1image40876096" width="81.625000" height="0.399990" /><img src="blob:http://ejournal.uigm.ac.id/64d75993-d7e1-4e14-9dfc-03ece7c76918" alt="page1image40866112" width="109.420000" height="0.399990" /><img src="blob:http://ejournal.uigm.ac.id/1e539856-fce2-4238-bc25-84a22bf29c56" alt="page1image40861888" width="101.020000" height="0.399990" /></td></tr></tbody></table><div class="layoutArea"><div class="column"><p><span>One of determining factor which influenced the finance company growth is how the finance company could be created a profit. The more high profit will open chance widely the finance company to grow. One of the crucial factors which influenced the profitability of the finance company is Non-Performing Loan. The higher the Non-Performing Loan level of the finance company, the more the profit could be reduced. And the lower Non-Performing Loan level, the high profit could be created. One of the factors which influenced the Non-Performing Loan of the finance company is an economic macro variable, especially the inflation factor. The aim of the study to measure empirically the relationship of</span></p><p><span>Inflation on Non-Performing Loan of a finance company in Palembang City. The research data consisted of the Non- Performing Loan statistic of a finance company in Palembang City from January 2015 to June 2018 and statistic of inflation level, from January 2015 to June 2018, which is periodic data (time series) form. The research method utilized in the research is quantitative, with linear regression as the research technique, and supported by the SPSS software 24.0 version. The research result has shown that inflation is not affected directly on Non-Performing Loan level.</span></p></div></div><table><tbody><tr><td><div class="layoutArea"><div class="column"><p><span>Keywords : </span><span>Inflation, NPL, Linier Regression</span></p></div></div><div class="layoutArea"><div class="column"><p><span>ABSTRAK</span></p></div></div><div class="layoutArea"><div class="column"><p><span>Salah satu faktor yang menentukan pertumbuhan perusahaan pembiayaan adalah bagaimana perusahaan tersebut dapat menciptakan profit. Semakin tinggi profit yang dihasilkan, maka semakin besar pula peluang perusahaan tersebut untuk berkembang. Salah satu faktor krusial yang dapat mempengaruhi tingkat profitabilitas perusahaan</span></p></div></div></td></tr><tr><td><div class="layoutArea"><div class="column"><p><span>pembiayaan adalah piutang bermasalah (Non Performing Loan). Semakin tinggi piutang bermasalah (Non Performing Loan) maka semakin besar pula profit perusahaan berkurang, demikian pula sebaliknya, semakin kecil piutang</span></p></div></div></td></tr><tr><td><div class="layoutArea"><div class="column"><p><span>bermasalah yang timbul maka semakin besar pula profit yang dapat dibukukan. Banyak faktor yang dapat mempengaruhi timbulnya piutang bermasalah (Non Performing Loan) pada perusahaan pembiayaan. Salah satu faktor</span></p></div></div></td></tr><tr><td><div class="layoutArea"><div class="column"><p><span>yang dapat mempengaruhi timbulnya piutang bermasalah (Non Performing Loan) adalah faktor ekonomi makro, terutama faktor inflasi. Penelitian ini bertujuan untuk menguji secara empiris keterkaitan Inflasi terhadap tingkat Piutang Bermasalah (Non Performing Loan) perusahaan pembiayaan di kota Palembang. Data penelitian yang</span></p></div></div></td></tr><tr><td><div class="layoutArea"><div class="column"><p><span>digunakan dalam penelitian ini adalah statistik piutang bermasalah perusahaan pembiayaan di kota Palembang dari bulan Januari 2015 sampai dengan bulan Juni 2018, dan statistik Inflasi dari bulan Januari 2015 sampai dengan bulan Juni 2018, dalam bentuk data berkala (time series). Metode penelitian yang digunakan dalam penelitian ini adalah metode kuantitatif, dengan teknik analisa Regresi Linier, pengujian menggunakan program SPSS versi 24.0. Hasil penelitian menunjukkan Inflasi tidak berpengaruh terhadap tingkat piutang bermasalah (Non Performing Loan).</span></p><p><span>Kata kunci : </span><span>Inflasi, NPL, Regresi Linier</span></p></div></div></td></tr><tr><td> </td></tr><tr><td> </td></tr></tbody></table></div>
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Hariri bin Bakri, Mohammed, Nurayati Dabas, Shafinar Ismail, and Baharom Abdul Hamid. "Does Securitization for Government Staff Personal Loan Perform?" International Journal of Engineering & Technology 7, no. 3.21 (August 8, 2018): 267. http://dx.doi.org/10.14419/ijet.v7i3.21.17171.
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Malaysian firms have been reported to involve in Asset-Backed Securities since 1986s where Cagamas is a pioneer. The objective of this study to determine the primary market spread and analyze on firm financial performance. The methodology for this paper using regression analysis for the study period 2007-2012. They are three determinants that contribute and statistically significant for this research paper. The measurement of financial performance does not have any impact during subprime mortgage crisis. The firm results shows increasing profitability, reducing debt, stronger company value and shareholders earning better dividend.
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Dong, Mu Sheng. "Intelligent Early Warning of Internet Financial Risks Based on Mobile Computing." International Journal of Mobile Computing and Multimedia Communications 11, no. 2 (April 2020): 61–78. http://dx.doi.org/10.4018/ijmcmc.2020040104.
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In order to establish the early warning model of internet finance, K-means algorithm improved by quantum evolutionary is used in this paper to divide risk early-warning interval by combining with the given initial value and the value-at-risk measured by China's well-known internet finance company. With the characteristics of parallelism and randomness, quantization algorithm is introduced into K-means algorithm to improve the search efficiency of original algorithm on the basis of maintaining the diversity of population. The sample is conducted with optimal segmentation by using improved algorithm to obtain the accurate early-warning interval and then the risk prediction model for internet financial institutions will be established by using the advantages of GMDH predictive mining and combining with the value-at-risk measured by “Renren Loan” Company. The effectiveness of early-warning model will be illustrated by comparing the actual situation of internet financial companies with more than 40,000 data of “Renren Loan” Company from January 2017 to October 2018.
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Gupta, Manu, and Puneet Prakash. "Impact of underwriting insurance risk on bank holding company behavior." Journal of Risk Finance 19, no. 4 (August 20, 2018): 343–60. http://dx.doi.org/10.1108/jrf-11-2017-0191.
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Purpose This paper aims to study differences in risk behavior between holding companies that undertake both banking activity and insurance underwriting (labeled financial holding companies or FHCs) and stand-alone bank holding companies (BHCs). Design/methodology/approach The paper examines the discretionary accruals of FHCs to comparable BHCs and compares their bad loans-to-assets ratio in the future. Findings FHCs have lower discretionary accruals (loan loss provisions and realized capital gains) than BHCs. FHCs fare better than BHCs in terms of bad loans-to-assets ratio. Insurance underwriting has a dampening effect on discretionary accruals of FHCs. Research limitations/implications This study raises additional research questions. Do shared governance and insurance underwriting serve as substitutes or complements? Will regulatory environment affect this relation? Practical implications When reported earnings do not match true earnings, the market participants lose the ability to price correctly, and the regulators lose the ability to effectively regulate banks. From the regulatory perspective, these findings suggest insurance underwriting by banks mitigate potential market distortions. Originality/value This paper is the first to study the effect of underwriting insurance risk on earnings management behavior of BHCs and its link to risk governance.
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Kim, Jeong-Bon, Byron Y. Song, and Liandong Zhang. "Internal Control Weakness and Bank Loan Contracting: Evidence from SOX Section 404 Disclosures." Accounting Review 86, no. 4 (April 1, 2011): 1157–88. http://dx.doi.org/10.2308/accr-10036.
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ABSTRACT Using a sample of borrowing firms that disclosed internal control weaknesses (ICW) under Section 404 of the Sarbanes-Oxley Act, this study compares various features of loan contracts between firms with ICW and those without ICW. Our results show the following. First, the loan spread is higher for ICW firms than for non-ICW firms by about 28 basis points, after controlling for other known determinants of loan contract terms. Second, firms with more severe, company-level ICW pay significantly higher loan rates than those with less severe, account-level ICW. Third, lenders impose tighter nonprice terms on firms with ICW than on those without ICW. Fourth, fewer lenders are attracted to loan contracts involving firms with ICW. Finally, our within-firm analyses show that banks increase loan rates charged to ICW firms after their disclosure of internal control problems and that banks reduce loan rates after firms remediate previously reported ICW.
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Guiral, Andrés. "Corporate Social Performance, Innovation Intensity, and Financial Performance: Evidence from Lending Decisions." Behavioral Research in Accounting 24, no. 2 (January 1, 2012): 65–85. http://dx.doi.org/10.2308/bria-50096.
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ABSTRACT This study examines how loan requests for intensifying corporate social performance (CSP) activities and loan requests for increasing innovation intensity affect loan officers' credit judgments and lending decisions. In addition, the impact of a balanced loan request for both CSP and innovation intensity was examined. An experiment was designed by manipulating the purpose of a loan request from a pharmaceutical company in order to create four alternative lending scenarios: (1) a full loan request for intensifying CSP activities; (2) a full loan request for increasing innovation intensity; (3) a loan request for a balanced investment in both CSP and innovation; and (4) a general purpose loan request (control group). The findings support that CSP investment is interpreted by loan officers as an indicator of superior corporate financial performance. However, no clear positive relationship between innovation intensity and lending decisions was found. These results are consistent with the view that lenders could be reluctant to fund innovation intensity initiatives because there may be a considerable time lag between this investment and its payoff. Contrary to expectations, a balanced loan request for both CSP and innovation was not interpreted by loan officers as the most favorable lending scenario for an innovative firm.
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Pardana, I. Nyoman Adi, Sihabudin Sihabudin, and Dhiana Puspitawati. "Implikasi Hukum Penggunaan Data Pribadi Pihak Ketiga Terhadap Keabsahan Perjanjian Pinjam Meminjam Uang Berbasis Teknologi Informasi." Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan 4, no. 2 (January 6, 2020): 341. http://dx.doi.org/10.17977/um019v4i2p341-351.
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This study focuses on discussing the validity of information technology-based loan contracts and the use of third party personal data for company activities in the event of default. This study uses a normative juridical method with a legislative approach and a case approach. Loan contracts use legitimate electronic transactions if there is a contract of the parties that bind themselves. An information technology-based loan contracts to borrow money using third party personal data without permission will not cancel the contract. A third party can apply to the court to cancel himself as a party involved in the agreement.
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Hadiyanto, Heru Santosa. "Customer Retention and Related Factors Analysis in Financial Services Company." Binus Business Review 12, no. 2 (July 7, 2021): 93–101. http://dx.doi.org/10.21512/bbr.v12i2.6546.
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High competition requires companies to maintain their consumers, so they do not turn to competitors. Besidesthat, the high acquisition cost to get new customer makes many companies shift their focus to customer retention.It also happens in the financial services industry in Indonesia. Their product is relatively homogeneous with tightregulations, price war from competitors, and the high credit risk to acquire new customers. It makes financecompanies concentrate on consumer retention. The research aimed to identify the factors that most influenceconsumer retention in the financial services company. Cluster random sampling technique was applied to getthe sample of the population. Secondary data from one branch of a finance company in a particular geographicalcluster (2.858 customers) were used. The selection of branches or geographical clusters was selected randomly.Data analysis was conducted based on several determinant factors that affected consumer retention, such as theamount of loan to value, days past due that consumers had, monthly income, and the mileage from the customerdomicile to the company offices. Pearson correlation analysis was used to analyze these determinant factors.Based on several factors, mileage and loan to value have a highly significant relationship with customer retention.Meanwhile, the other variables do not have a significant effect on customer retention.
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Goestjahjanti, Francisca Sestri. "PENGARUH UTANG USAHA DAN SUKU BUNGA KREDIT TERHADAP KINERJA PT. MARTINA BERTO, TBK. (2007 – 2018)." Business Management Journal 16, no. 1 (March 27, 2020): 15. http://dx.doi.org/10.30813/bmj.v16i1.2046.
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The growth of the business in the last few years has stagnated, tends to decline its sales performance due to the trade crisis between China and America. However, the Cosmetics industry in Indonesia is predicted to grow approximitely 9 percent, only enjoyed by companies who ready to use industry 4.0. This global change and digital era causes a negative impact on the sales performance of PT. Martina Berto, Tbk. recent years. The purpose of this study is to determine a partially and simultaneously influence between account payable and loan interest rates on company performance. Explanatory research methods in this study has been done through hypothesis test, and uses a simple and multiple linear regression with SPSS software version 22 as an analysis technique. Secondary data of this study showed n = 12, of time series data from 2007up to 2018. The results of this study is indicate that partially there is a significant, positive influence is 63.50% between Accounts Payable (X1) on Company Performance (Y), and that partially there is a significant, negative effect is 38.30% between Loan interest rates (X2) on the Company's performance (Y). And a simultaneously, there is a significant, positive effect is 74,40 %, a very strong relationship, between Accounts Payable (X1) and Loan interest rates (X2) on Company Performance of PT. Martina Berto, Tbk. (Y).
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Sijabat, Yacobo P., Heni Hirawati, and Deni Ramdani. "The influence of the proportion of foreign ownership and financial ratio on banking performance in Indonesia in the period of 2017-2019." Management Journal of Binaniaga 5, no. 02 (December 30, 2020): 157. http://dx.doi.org/10.33062/mjb.v5i2.393.
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This research examined the influence of foreign proportions in the shares of banking companies and financial ratios on the performance of companies listed on the Indonesia Stock Exchange in the period 2014-2018.The proportion of foreigners in a banking company uses a comparison of the total amount of foreign shares with the total share ownership.While the proxies of financial ratios are measured using several ratios, including Non-Performing Loans (NPL), Loan to Deposit (LDR), Capital Adequacy Ratio (CAR) and BOPO.Performance proxies are measured using ROA and ROE proxies. The method used is data panel regression using stata 13.0 software.The results of research on the proportion of foreign to the company's performance have a significant effect on ROA alone.Keywords: Banking Company, Financial Ratios, Proportion of Foreign Ownership