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Journal articles on the topic 'Loan deposits'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

Al-Bahadli, Sadiq T., Riad H. Al-Aqili, and Hafedh Abdulameer Ameen. "Deposit and Loan Guarantee Institutions and it’s Role in Restoring Confidence in the Iraqi Banking Sector." Webology 19, no. 1 (2022): 4194–212. http://dx.doi.org/10.14704/web/v19i1/web19277.

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Pacing from the part of deposits and loans in supporting banking stability, any peril that threatens this part constitutes direct trouble to the banking system. Thus, should develop the mechanisms to cover and guarantee the rights of depositors (deposit guarantee), and mechanisms to cover banks from remitment of bank credit and cover them from ruin and ruin through the establishment of an institution guaranteeing loans, which represents an abecedarian demand to guarantee and stabilize the banking system and restore lost Confidence in the Iraqi banking system. Consequently, the exploration prob

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2

Yang, Seung Kwon, and Jeong Il Choi. "Trends and relationship analysis of the Composite Stock Price Index, Investor Deposits, Credit Loan Balances and Derivatives Transaction Deposit." Asia Europe Perspective Association 18, no. 4 (2021): 169–84. https://doi.org/10.31203/aepa.2021.18.4.009.

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The In this study, investors’ deposits, credit loan balances, and derivatives transaction deposits were selected with the expectation that funds around the stock market would have an effect on the KOSPI. And the extent to which funds around the stock market are affecting the KOSPI is analyzed. The data used in this study were retrieved from ECOS of the Bank of Korea and organized. The analysis period is a total of 257 monthly data from January 2000 to May 2021. And this study calculated the rate of change from the previous month for each variable. To invest in stocks, investors must open an ac

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3

Damayanti, Onik Febria, Isnani Darti, and Agus Suryanto. "Dynamics of Deposit and Loan Volumes Model with Non-Performing Loan and Deposit Withdrawal Factors." European Journal of Pure and Applied Mathematics 18, no. 1 (2025): 5643. https://doi.org/10.29020/nybg.ejpam.v18i1.5643.

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Non-performing loan (NPL) and deposit withdrawal are two factors that can affect loan and deposit volumes in the bank. The distribution of deposits into loans at banks can be modelled using the predator-prey model. In this research, we proposed and analysed a mathematical model dealing with two loans, i.e. a loan for individuals and a loan for companies, at one bank, which is developed from two predators and one prey model. We aim to study the dynamics and its long-term behaviour of the proposed model, as well as to discuss the effects of the NPL and deposit withdrawal parameters associated wi

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Saputra, Agung Joni, and Ria Angriani. "Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan To Deposit Ratio (LDR) Dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Return On Asset (ROA) Pada Bank Perkreditan Rakyat (BPR) di Kota Batam." Akuntansi dan Manajemen 18, no. 1 (2023): 93–115. http://dx.doi.org/10.30630/jam.v18i1.210.

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This study aims to determine the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Operational Costs Operating Income (BOPO) on Return on Asset (ROA) of rural banks in Batam City. Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Operational Costs Operating Income (BOPO) and Return on Asset (ROA) are measured from the financial statements provided on Otoritas Jasa Keuangan (OJK) website. The population used in this study was rural banks in Batam City period

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Versal, Nataliia, and Andriy Stavytskyy. "Financial dollarization: Trojan horse for Ukraine?" Ekonomika 94, no. 3 (2015): 21–45. http://dx.doi.org/10.15388/ekon.2015.3.8786.

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The paper revisits the causes and consequences of financial dollarization in Ukraine during the past decade (monthly data). Dollarization in emerging markets plays a dual role: positive and negative. This study of financial dollarization is in the context of resident household holdings of foreign currency-denominated bank deposits and loans. If exchange rates are stable, deposit dollarization allows the withdrawal of money from the shadow economy, and loan dollarization allows the lending of long-term money, which is not possible with domestic currency due to inflation expectations. At the sam

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6

Siswo Handoyo and Suhardianto Suhardianto. "ANALISA MANAJEMEN SISTEM INFORMASI KOPERASI SIMPAN PINJAM BERBASIS MULTI USER DENGAN METODE RND." Jurnal Publikasi Manajemen Informatika 1, no. 1 (2021): 6–17. http://dx.doi.org/10.55606/jupumi.v1i1.79.

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Information technology that is used properly will have a good influence on the company, among others, can increase productivity, work efficiency and of course very useful for institutions such as Koperasi Kawi Mandiri Sentosa in facing competitive business competition. The determination and speed of data processing from Koperasi Kawi Mandiri Sentosa, the presentation of fast, precise and accurate information will make it easier for companies to make the right decisions as well. Koperasi Kawi Mandiri Sentosa has a variety of fund products which include Voluntary Deposits and Time Deposits

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Agus Waryanto and Rohmad Haryadi. "INFORMATION MANAGEMENT OF PRODUCTION RAW MATERIALS INFORMATION WITH FIFO METHOD BASED ON CLIENT SERVER." LITERACY : International Scientific Journals of Social, Education, Humanities 1, no. 1 (2022): 13–16. http://dx.doi.org/10.56910/literacy.v1i1.19.

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Information technology that is used properly will have a good influence on the company, among others, can increase productivity, work efficiency and of course very useful for institutions such as Koperasi Kawi Mandiri Sentosa in facing competitive business competition. The determination and speed of data processing from Koperasi Kawi Mandiri Sentosa, the presentation of fast, precise and accurate information will make it easier for companies to make the right decisions as well. Koperasi Kawi Mandiri Sentosa has a variety of fund products which include Voluntary Deposits and Time Deposits

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Siswo Handoyo and Suhardianto Suhardianto. "ANALISA MANAJEMEN SISTEM INFORMASI KOPERASI SIMPAN PINJAM BERBASIS MULTI USER DENGAN METODE RND." Jurnal Publikasi Manajemen Informatika 1, no. 1 (2021): 6–17. http://dx.doi.org/10.55606/jupumi.v1i1.79.

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Information technology that is used properly will have a good influence on the company, among others, can increase productivity, work efficiency and of course very useful for institutions such as Koperasi Kawi Mandiri Sentosa in facing competitive business competition. The determination and speed of data processing from Koperasi Kawi Mandiri Sentosa, the presentation of fast, precise and accurate information will make it easier for companies to make the right decisions as well. Koperasi Kawi Mandiri Sentosa has a variety of fund products which include Voluntary Deposits and Time Deposits

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9

Akbar Rahman. "INFORMATION MANAGEMENT OF PRODUCTION RAW MATERIALS INFORMATION WITH FIFO METHOD BASED ON CLIENT SERVER." Proceeding of The International Conference on Economics and Business 1, no. 1 (2022): 05–08. http://dx.doi.org/10.55606/iceb.v1i1.99.

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Information technology that is used properly will have a good influence on the company, among others, can increase productivity, work efficiency and of course very useful for institutions such as Koperasi Kawi Mandiri Sentosa in facing competitive business competition. The determination and speed of data processing from Koperasi Kawi Mandiri Sentosa, the presentation of fast, precise and accurate information will make it easier for companies to make the right decisions as well. Koperasi Kawi Mandiri Sentosa has a variety of fund products which include Voluntary Deposits and Time Deposits

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10

Abdelzaher, Mai Ahmed. "Determining Factors Affecting the Mobilization of Deposits in Egyptian Listed Banks." International Journal of Economics and Financial Issues 13, no. 3 (2023): 11–17. http://dx.doi.org/10.32479/ijefi.14153.

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The purpose of this article is to examine the determining variables that, between 2003 and 2019, affected the mobilization of deposits in listed banks in Egypt. The dependent variable for this study is deposit growth, while the independent variables include efficiency ratio, size, inflation rate, market capitalization, loan losses, and loans and receivables. The research was conducted on 12 publicly traded banks. Use of statistical techniques such as descriptive statistics, person correlation matrices, and two-way random effects demonstrated a significant positive correlation between the rate

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11

Kalimashi, Albina, Skender Ahmeti, and Muhamet Aliu. "The Relationship between Liquidity Risk Management and Commercial Bank Performance: Evidence from the Western Balkans." International Journal of Applied Economics, Finance and Accounting 14, no. 2 (2022): 129–36. http://dx.doi.org/10.33094/ijaefa.v14i2.689.

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The current study examines the relationship between liquidity risk management and the performance of commercial banks in the Western Balkans between 2015 to 2020. This relationship is examined by using secondary data from the financial statements. Financial performance is measured by return on assets, equity and net interest margin. Liquidity risk is represented by the quick ratio, current ratio, loan-to-deposits ratio, loan-to-assets ratio, cash and investment-to-deposit ratio, capital adequacy and interest coverage ratio. The Ordinary Least Squares model was used to process the data. The stu

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Utzig, Monika. "INDIVIDUAL FARMERS’ BANK LOANS AND DEPOSITS IN POLAND UNDER ECONOMIC UNCERTAINTY DURING THE COVID-19 PANDEMIC." Acta Scientiarum Polonorum. Oeconomia 21, no. 4 (2023): 37–43. http://dx.doi.org/10.22630/aspe.2022.21.4.16.

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Aim: The paper aimed to evaluate changes in farmers’ bank loans and deposit value under economic uncertainty, mainly caused by the COVID-19 pandemic. Methodology: The statistical data from Narodowy Bank Polski for the span of January 2018 – September 2022 was used and the dynamic indexes were computed. The Global Economic Policy Uncertainty Index was also used to show if the COVID-19 pandemic increased economic uncertainty. Results: The results show that in the analyzed period, an increase in the value of farmers’ bank deposits and a drop in farmers’ bank loans were observed. An increase in th

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13

Bagwan, Mr. Manjurelahi Salimbhai, and Dr. H. G. Vidhate. "Bank Deposits Crunch Challenge and Cooperative Banks Opportunities." International Journal of Advance and Applied Research 5, no. 29 (2024): 142–44. https://doi.org/10.5281/zenodo.13959293.

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<strong>Abstract :</strong> Indian economy is one of the fastest growing economies in the world which need efficient finance system for its consistent and sustainable growth. Bank finance is one of the major sources of finance to the growing economy. Banking sectors mobilize the savings of the general public by collecting in terms of deposits and provide the loan out of those deposits. Recently it is seen that people are losing their interest to deposit their money into the bank. It is the emerging problem before the banking sector as the growth rate of the deposit is declining on the other ha

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14

Ha, Seok Hyun, Nam Hyouk Kim, and Seung Hee Kim. "Analysis of Non-returned Jeonse Deposit Issue and Semantic Networks of Using Text Mining." Korea Real Estate Society 70 (December 31, 2023): 91–117. http://dx.doi.org/10.37407/kres.2023.41.4.91.

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This study aims to identify the social issues and implications of non-return of Jeonse deposits by analyzing media articles related to non-return of Jeonse deposits. For this purpose, topic modeling analysis and keyword network analysis were conducted on 6,024 media articles over 10 years provided by Bigkinds. The main findings are as follows First, a total of eight topics were categorized, named “Jeonse market and loans,” “Jeonse tenants and auctions,” “Non-return of Jeonse deposits and Jeonse fraud,” “Government policy and real estate,” and “Conflict over Jeonse deposits as wedding expenses.

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15

Pratama, Yongky, and Achmad Sulchan. "Notary Role in Issuing Bonding Guarantee of Bilyets Deposits as Collateral Credit on Loan Agreement Process (Case Study in Kanca BRI Blora)." Jurnal Akta 5, no. 4 (2018): 981. http://dx.doi.org/10.30659/akta.v5i4.4129.

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The purpose of this study was to: 1) Determine the implementation of binding guarantee term deposit certificate as collateral credit on the loan agreement. 2) The role of the notary in binding guarantee term deposit certificate as collateral on the loan agreement. 3) Analyze the challenges and solutions for binding guarantee term deposit certificate as collateral credit on the loan agreement (case study in Kanca BRI Blora). The method is a juridical sociological approach to the specification of descriptive analytical research. Sources of data obtained through interviews and literature.Based on

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16

Jaffee, Dwight M. "Symposium on Federal Deposit Insurance for S&L Institutions." Journal of Economic Perspectives 3, no. 4 (1989): 3–9. http://dx.doi.org/10.1257/jep.3.4.3.

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Federal deposit insurance was introduced to eliminate the bank runs of the Great Depression: the FDIC (Federal Deposit Insurance Corporation) was created in 1933 to insure commercial bank deposits, and the FSLIC (Federal Savings and Loan Insurance Corporation) was created in 1934 to insure savings and loan association (S&L) deposits. Following a decade of neglect, the Bush administration and Congress moved early in 1989 to resolve the most serious problems yet to confront federal insurance of U.S. bank deposits. How did S&L losses expand so rapidly and unexpectedly? How should FSLIC be

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17

Bwire, Albert Camus Onyango. "Loan asset indicators and commercial bank fragility in Kenya." European Journal of Management Issues 29, no. 1 (2021): 25–36. http://dx.doi.org/10.15421/192103.

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Purpose. To test the predictive ability of loan asset indicators on Commercial bank fragility in Kenya.  Design/Method/Research approach. The study adopted positivism research philosophy with exploratory research design. The study population was 42 Commercial banks in operation on 31st December 2015. Secondary data was collected from Central Bank of Kenya and analysed using Stata Statistics/Data analysis. Generalised Linear Model was used to establish the relationship between asset indicators and bank fragility. The concept of credit creation was explored as the genesis of bank fragility

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18

White, Lawrence J. "The Reform of Federal Deposit Insurance." Journal of Economic Perspectives 3, no. 4 (1989): 11–29. http://dx.doi.org/10.1257/jep.3.4.11.

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In early 1989, the system of deposit insurance in the United States was in crisis. The Federal Savings and Loan Insurance Corporation (FSLIC), the U.S. government agency that provided deposit insurance for savings and loan (thrift) institutions, had sustained massive losses from the insolvencies of hundreds of thrifts. Tens of billions of dollars of general Treasury revenues will be necessary to make good the losses in the insurance fund, which had previously been financed solely through premiums assessed on thrifts' deposits. The Federal Deposit Insurance Corporation (FDIC), which provides si

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19

Agbonma Theresa, UDENWA, SUBERU, Abubakar Adagu, and JACOB Zaccheaus. "Effect of Liquidity Risk on the Financial Performance of Quoted Deposit Money Banks in Nigeria." International Journal of Economics, Business and Management Research 07, no. 07 (2023): 54–69. http://dx.doi.org/10.51505/ijebmr.2023.7705.

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This study examines the effect of liquidity risk on the financial performance of quoted deposit money banks in Nigeria. The ratio of loans and advances to total assets and the ratio of loans and advances to total deposits were used to measure liquidity risk, while Return on Assets (ROA) was used to measure financial performance. Data were collected from the annual financial reports of each of the deposit money banks. The study utilized panel regression to analyse the data from a sample of eleven (11) quoted deposit money banks on the Nigerian Exchange Group from 2014- 2021. The results of the

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20

Amir, Md Khaled Bin Amir, and Nayeema Nusrat Choudhury. "The impact of non-performing loans on bank lending behavior before and amid COVID-19 Pandemic." International Journal of Research in Business and Social Science (2147- 4478) 12, no. 3 (2023): 272–85. http://dx.doi.org/10.20525/ijrbs.v12i3.2489.

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The main objective of this study is to assess the impact of non-performing loans on bank lending behavior before and amid the COVID-19 pandemic. To do this research we have chosen fifteen private commercial banks in Bangladesh and data were taken from the year 2012 to the year 2021. Credit growth as a component of bank lending behavior was selected as the dependent variable and independent variables are non-performing loans to total loans, provision for loan losses to total loans, gross domestic product (GDP) rate, inflation rate, unemployment rate, total loans to total customer deposit, total

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21

Lee, Hyun Don, and Sang-Bum Park. "An Empirical Study on the Factors Affecting Savings Bank Loan Interest Rates." International Journal of Economics and Finance 8, no. 12 (2016): 175. http://dx.doi.org/10.5539/ijef.v8n12p175.

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The study analyzed reciprocal effects of base rate of the central bank, CD, CP, interest rates for bank deposits, bank loan interest, interest rate for savings bank deposits and savings bank loan interest. In particular, the study attempted to find an interest rate which affects interest rates of savings banks. If these variables affected interest rate decisions by savings banks, it would be possible to predict that movements of these variables in the future may affect changes of interest rates as well. In the impulse reaction function, CD rate and CP rate took the highest impact to the saving

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OBRIMAH, OGHENOVO ADEWALE, and CHIDINMA EDITH EBERE. "CONSOLIDATION WITHIN THE BANKING SECTOR AND SAVINGS DEPOSITS: EFFECTS ON LIQUIDITY, OUTPUT, AND PROFITABILITY WITHIN THE NIGERIAN ECONOMY." Annals of Financial Economics 10, no. 01 (2015): 1550001. http://dx.doi.org/10.1142/s2010495215500013.

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In this study, we find savings deposits have contributed significantly to the effectiveness of regulation induced consolidation within the banking sector in so far as improvements in banking system structure, output, profitability and competitiveness are concerned. Specifically, we find savings deposits are key parameters in the transition from a banking structure within which profitability is primarily determined by liquidity during the pre-consolidation period (2007–2008) to a banking structure within which profitability is primarily a function of loan portfolio growth (output) during the po

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23

Maharjan, Sweta. "Effect of working capital management and credit management policy on financial performance of commercial bank in Nepal." Lumbini Journal of Business and Economics 11, no. 1 (2023): 266–84. http://dx.doi.org/10.3126/ljbe.v11i1.54333.

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This study analyzes the impact of working capital management and credit management policy on the financial performance of Nepalese commercial banks. The study uses data from 16 commercial banks, collected from their annual reports, over the period from 2014/15 to 2021/22. The dependent variables considered are return on asset and return on equity, while the independent variables are working capital, loan to deposit ratio, capital adequacy ratio, non-performing loan, cash asset ratio, operating cash flow to total asset, and rate of bank’s ability to return deposits. The study finds that working

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Shrestha, Sanjay. "Loan Management of Nabil Bank and Everest Bank: A Comparative Study." Academic Voices: A Multidisciplinary Journal 6 (June 4, 2018): 47–54. http://dx.doi.org/10.3126/av.v6i0.20109.

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The study focuses on loan management of two commercial banks with reference of Nabil and Everest Bank of Nepal and its impact on profitability. This paper reports the comparative study of deposit, loan, ROA, ROE and CV. Descriptive research approach is applied for the readily available five years performance data from 2011/12 to 2015/ 16. Both of the banks have u lized most of the funds in the form of credit and advances which is the major part of ut ilizing deposits for income generat ing purpose. On the average, both Nabil and Everest bank have utilized its total deposits constant in consecu

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Tumbelaka, Indra. "How Did Depositors React to Bank Risks During the Covid-19 Outbreak in Indonesia?" International Journal of Financial Systems 1, no. 2 (2024): 133–50. http://dx.doi.org/10.61459/ijfs.v1i2.27.

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The Covid-19 outbreak provides a unique setting to examine the association between deposits and bank risk, including loan risk, as both deposits and loan risk increased significantly during the outbreak. Employing dynamic regression models in datasets from the Indonesian banking industry before and during the Covid-19 outbreak, this study provides new evidence that depositor discipline is stronger during the outbreak, as depositors are more sensitive to loan risk. The findings are different from prior studies in that depositor discipline tends to diminish during the crisis period. Furthermore,

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Chateau, Jean-Pierre D. "Une analyse économétrique de la demande et de l’offre de dépôts des sociétés de crédit populaire : le cas des Caisses populaires." Articles 55, no. 2 (2009): 207–29. http://dx.doi.org/10.7202/800825ar.

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The aim of the study is to explain Quebec major credit union's deposit market by way of integrating its public demand function with the institution's rate-setting operation. The demand for Caisses' deposits is specified as a dynamic stock adjustment model. On the other hand, the intermediary's rate-setting reduced form is derived from a risk-return portfolio balance model in which the managers maximize the expected utility of reserves. The two models are integrated by means of a liability composite rate. Econometric estimates of the integrated model provide us with interesting policy insights.

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Darpi, Darpi, Sawitri Nurhayati, and Khasan Asrori. "Perancangan Sistem Informasi Simpan Pinjam Pada Koperasi Wredatama Krakatau Steel (Kopwekas)." Jurnal Ilmiah Sains dan Teknologi 5, no. 2 (2021): 38–57. http://dx.doi.org/10.47080/saintek.v5i2.1513.

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The management of savings and loans at the Wredatama Krakatau Steel Cooperative (Kopwekas) already uses Microsoft Excel, but in savings and loan transactions there are still obstacles, such as the process of recording deposits, loans and arrears of members. This requires accuracy in the checking process and waste of processing time.With these problems, this cooperative needs to use a savings and loan application that can assist in the processing of savings and loan data.The methodology used in the design of this information system is the Waterfall Method. This system is designed using the conc

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Tang, Enlin, and Song Xu. "Pricing of Embedded Options in Bank Deposits and Loans Based on Jump-Diffusion Interest Rate Model." Complexity 2021 (May 15, 2021): 1–15. http://dx.doi.org/10.1155/2021/9975536.

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The marketization of interest rate is an inevitable requirement for China’s financial reform and joining the WTO to connect with the international financial market. It is also an important link to improve the marketization degree of China’s financial system. The marketization of interest rate in China is gradually advancing according to its preset mode. In the process of interest rate marketization, an unavoidable problem is that while the interest rate marketization gives the commercial banks the autonomy of capital pricing, the fluctuation of interest rate is more and more frequent. However,

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Aguirregabiria, Victor, Robert Clark, and Hui Wang. "The Geographic Flow of Bank Funding and Access to Credit: Branch Networks, Synergies, and Local Competition." American Economic Review 115, no. 6 (2025): 1818–56. https://doi.org/10.1257/aer.20200374.

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Geographic dispersion of depositors, borrowers, and banks may prevent funding from flowing to high-loan-demand areas, limiting credit access. Using bank-county-year-level data, we provide evidence of geographic imbalance of deposits and loans and develop a methodology for investigating the contribution to this imbalance of branch networks, market power, and scope economies. Results are based on a novel measure of imbalance and estimation of a structural model of bank competition that admits interconnections across locations and between deposit and loan markets. Counterfactual experiments show

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Gautam, Madhusudan. "Determinants of Bank Value: Evidence from Nepalese Commercial Banks." International Research Journal of Management Science 6, no. 1 (2021): 29–38. http://dx.doi.org/10.3126/irjms.v6i1.42336.

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Commercial banks have a pivotal role in an economy as they provide easy access for firms to fulfill financing needs and help stimulate economic development. This study aims to analyze the impact of key bank-specific determinants on bank value in Nepalese commercial banks, covering 133 observations from 19 commercial banks over the period 2012/13 to 2018/19. Bank value is measured through M/B and Tobin’s Q. Size, profitability, credit risk, loan, deposit and capital are used as explanatory variables. Panel data regression models have been used for analysis purpose. The results of this paper sho

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Dr., S. Mayilvaganan, and Prabakaran G. "A STUDY ON THE DEPOSIT AND LENDING OPERATIONS OF NICHOLSON CO-OPERATIVE TOWN BANK LIMITED, THANJAVUR." International Journal of Multidisciplinary Research and Modern Education 4, no. 1 (2017): 1–4. https://doi.org/10.5281/zenodo.1134115.

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The deposits and lending of money plays a major role in banking sector. The success and development of the any banks depending upon the performance of deposits and lending operations of the bank. Co-operative Urban Bank, as such, is an urban Institution, which accepts various types of deposits from the public and provides loan to satisfy their personal needs and requirements. In this study examine to understand the various deposits and lending operation of the Nicholson’s Urban Co-operative Bank, Thanjavur.

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Magaji, Sule, Samuel Yisa, and Achi Peter O. "Impact Of Agricultural Loans by Deposit Money Banks on Agricultural Output In Nigeria." International Journal of Indonesian Business Review 2, no. 2 (2023): 194–204. http://dx.doi.org/10.54099/ijibr.v2i2.449.

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This study examines the impact of agricultural loan by deposit money bank credit on agricultural output in FCT Abuja, Nigeria. The study employed the Demand-following theory to explain the relationship between agricultural loan applicant access to deposit money bank credit and agricultural output. A sample of 295 (5 Agricultural loan desk officer from the five selected banks and 200 agricultural loan applicants) respondents were sampled using Multistage Cluster sampling technique. Data were analysed using descriptive statistic (mean Score) and logit regression analysis for inferential statisti

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Agbetsaifa, Douglas. "Bank Deregulation And The Portfolios Of Savings And Loan Associations." Journal of Applied Business Research (JABR) 2, no. 2 (2011): 69. http://dx.doi.org/10.19030/jabr.v2i2.6582.

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Carron (1982) has described the precarious condition of the thrift industry, which has been a subject of concern for over a decade. Unlike commercial banks, S&Ls have not been able to insulate themselves from interest rate risk, nor have they significantly altered the composition of their balance sheets. In contrast to the rapid growth of the industry up until the 1960s, the industry growth weakened by the turn of the decade. Abrupt swings in savings deposits became synchronized with the cyclical behavior of the national economy. Marked fluctuations in industry funds over time forced S&amp

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Bi Rahmani, Nur Ahmadi. "ANALISIS PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO, BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP KINERJA KEUANGAN PADA BANK UMUM SYARIAH." Dinamika Akuntansi Keuangan dan Perbankan 11, no. 1 (2022): 22–30. http://dx.doi.org/10.35315/dakp.v11i1.8950.

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This study aims to determine and analyze the effect of non-performing loans (NPL), loan to deposit ratio (LDR), operational costs on operating income (BOPO) on financial performance at Islamic commercial banks for the period 2015 to 2020. The approach uses a quantitative approach with . The type of data used in this study is quantitative data sourced from secondary data. The data collection technique in this study used a documentation study. The data analysis used is multiple linear regression with the results of this study showing that the NPL of non-performing loans has an effect on the Fina

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Hermawan, Hermawan. "Optimalization of Loan Disbursement as a Solution." Management Journal of Binaniaga 7, no. 2 (2022): 129–40. http://dx.doi.org/10.33062/mjb.v7i2.5.

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The Bina Seroja Credit Union Savings and Loan Cooperative has served members covering the Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) areas both in terms of deposits and loan distribution. It becomes two sides that must be balanced. The problem that occurs is that the distribution of loans to members is only 42% of the ideal ratio of 70-80%. This study aims to find out the formulations made and realized in the implementation in the last five (5) years. While the methods used are observations, interviews and questionnaires with the support of complete documentation. Based on the r

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Adamyk, Bohdan, and Andrii Skirka. "Analysis of resource capacity of the banking system in times of crisis." Herald of Ternopil National Economic University, no. 1(83) (February 22, 2017): 63–76. http://dx.doi.org/10.35774/visnyk2017.01.063.

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In any state banking system always acts as a catalyst of economic growth. At the current stage, in times of crisis over 2014-2016, effective functioning of the banking system and the system of guaranteeing deposits has become an important concept. The research objectives include analyzing resource capacity of the banking system and considering a range of problems related to guaranteeing deposits during the period of 2014–2016. The authors analyze the data on the amount of individuals’ deposits in the banks participating in the Deposit Guarantee Fund. The impact of reducing banks’ deposit base

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Agustine, Siti Revina, and Maretha Ika Prajawati. "The Role of PKK Saving Loan Against Community Economic Empowerment Malang City." Jurnal Pemberdayaan Masyarakat Madani (JPMM) 7, no. 1 (2023): 127–39. http://dx.doi.org/10.21009/jpmm.007.1.11.

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PKK savings and loans activities are an activity that flows from members' deposits or commonly called savings and money from member deposits will be turned into loans for members. The purpose of holding this savings and loans activity is to assist the community in flowing unused funds and assist the community in meeting the needs of the pressed or who are dependent on loan shark debt. In order to get deeper results, this study used the descriptive method of qualityf. Family Empowerment and Welfare or PKK rt 4 is located in rt 4 rw 12 Purwodadi village, Blimbing district, Malang City. The purpo

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Lamichhane, Pitambar. "Firm-specific Variables and Net Interest Margin in Nepalese Banks." Economic Review of Nepal 2, no. 1 (2019): 88–103. http://dx.doi.org/10.3126/ern.v2i1.53109.

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This paper examines the impact of firm-specific variables on net interest margin in Nepalese commercial banks for the period 2005/06-2018/19. Secondary source data were collected through NRB and data have been analyzed using descriptive and causal comparative research design. In this paper, net interest margin is used as dependent variable and bank-specific variables such as size of assets, deposit ratio, loan ratio, and capital ratio are considered as explanatory variables. The estimated correlation results of the paper reveal that equity capital, bank loans and deposits are positively relate

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LOISSA, Angelica Febbryana, and Gede Harry KRISNANDA. "Determinants of Credit Growth in Commercial Banks in Indonesia." Journal of Tourism Economics and Policy 3, no. 4 (2023): 282–95. http://dx.doi.org/10.38142/jtep.v3i4.881.

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Banks have a very vital task in maintaining the Indonesian economy. One of the main tasks of banks is to collect and distribute public funds. Banks channel public funds through loans that get rewards in the form of loan interest. This research focuses on studying what factors affect the amount of credit in the long run. This study uses deposits, lending rates (SBK), non-performing loans (NPL), GDP growth, inflation as internal and external factors that affect the amount of lending to commercial banks. The results showed that partially deposits had a negative and significant effect, NPL had a n

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

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

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Prasasti, Herlys, and Hadi Juwanda. "PENGARUH JUMLAH SIMPANAN TERHADAP PEROLEHAN SISA HASIL USAHA PADA KOPERASI DHARMAGHATI KSATRIA JAYA CIMAHI PERIODE 2011 – 2015." Journal of Business Administration 1, no. 1 (2022): 29–41. http://dx.doi.org/10.61317/js.v1i1.12.

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The purpose of this study was to determine the influence of the total deposits to the acquisition of net income at Cimahi Dharmaghati Ksatria Jaya Coorperative, periods of 2011-2015. The method used quantitative and descriptive methods. Analysis of the data used Kolmogorov-Smirnov normality data test, Pearson Product Moment Correlation Analysis, Linear Regression Analysis, determination coefficient and hypothesis test (t test). The results of the data normality test was 0.853 above 0.05, which that both variables were normally distributed. Then the results of the Pearson product moment correla

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Fang, Yihan. "Application of Xgboost Model to Predict Bank Loan." Highlights in Science, Engineering and Technology 115 (October 28, 2024): 397–403. http://dx.doi.org/10.54097/ja9pva49.

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Nowadays the bank loan has been a high-frequent behavior in the field of finance. Predicting the deposits paid by the lenders can effectively reduce the risk of credit fraud and avoid the loss of bank. Traditional methods like classification regressons and support vector machines are difficult to deal with large sets of data and with relatively low accuracy. In this paper, a novel and robust method called XGBoost is applied in the bank loan and achieves a high accuracy. Also, proving the accessibility of XGBoost model in the business analysis field. The data set used in this study comes from a

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Rahmanto, Yuri. "RANCANG BANGUN SISTEM INFORMASI MANAJEMEN KOPERASI MENGGUNAKAN METODE WEB ENGINEERING (Studi Kasus : Primkop Kartika Gatam)." Jurnal Data Mining dan Sistem Informasi 2, no. 1 (2021): 24. http://dx.doi.org/10.33365/jdmsi.v2i1.987.

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Koperasi Primkop Kartika Gatam is a state-owned cooperative agency that provides savings and loan services to members and has an address at Jl Teuku Umar, No 85, Penengah, Kedaton, Bandar Lampung and has a total of 300 cooperative members. Based on the results of interviews with the head of the cooperative, Mrs. Ollivia Febrojaya, S.H, there were problems in the management process of processing savings and loan data, which as a whole was carried out using manual or recording processes such as loan applications and member data recording, saving and loan data recording. As a result, the integrat

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Suratama, Isna Nurcahyani, and Dyah Fitriani. "ANALISIS CAPITAL ADEQUANCY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), DAN RETURN ON ASSETS (ROA) TERHADAP TINGKAT SUKU BUNGA DEPOSITO BERJANGKA PADA BANK BUMN PERIODE 2009-2014." Jurnal Fokus Manajemen Bisnis 5, no. 1 (2020): 19. http://dx.doi.org/10.12928/fokus.v5i1.1613.

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This study aims to determine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Return on Assets (ROA) on the interest rate for time deposits at state-owned banks in Indonesia in the 2009-2014 period. The sample used in this study is state-owned banks in Indonesia, as many as 4 banks. The sampling technique used was purposive sampling technique. The method used in this study is quantitative research and the data obtained are secondary data where the data is already available in report form. The analysis technique used is multiple linear regression, hypothesis testing (

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N. Masdjojo, Gregorius, Titiek Suwarti, Cahyani Nuswandari, and Bambang Sudiyatno. "The relationship between profitability and capital buffer in the Indonesian banking sector." Banks and Bank Systems 18, no. 2 (2023): 13–23. http://dx.doi.org/10.21511/bbs.18(2).2023.02.

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This study examines profitability as a mediating variable to explore variables that affect the capital buffer in commercial banks. The research population is conventional commercial banks operating in Indonesia, with an observation period of 2017–2020. A purposive sampling method was used, during which 90 observations were found. Data analysis used multiple regression and the Sobel test to test for the mediating role of profitability. The results show that profitability acts as a mediating variable for non-performing loans and the ratio of loans to deposits in the capital buffer. Therefore, it

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Din, Musleh-Ud, Ejaz Ghani, and Sarfraz Khan Qureshi. "Scale and Scope Economies in Banking: A Case Study of the Agricultural Development Bank of Pakistan." Pakistan Development Review 35, no. 3 (1996): 203–13. http://dx.doi.org/10.30541/v35i3pp.203-213.

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This paper examines the scale and scope efficiency of the Agricultural Development Bank of Pakistan. Using the production approach to measuring bank outputs and costs, a translog cost function is estimated to provide an assessment of the bank’s scale and scope efficiency, and to quantify the extent to which its production costs are sensitive to size and output mix. Our results show that the bank enjoys both overall and product-specific economies of scale and, therefore, there exists scope for the bank to expand its operations at declining average cost. We show that even though bank branches in

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SHODROKOVA, Xenaneira, Imam ASNGARI, and Ariodillah HIDAYAT. "Loan-to-Deposit Ratio Analysis Before and During the COVID-19 Pandemic." MANAGEMENT AND ECONOMICS REVIEW 8, no. 1 (2023): 35–45. http://dx.doi.org/10.24818/mer/2023.02-03.

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The banking sector contributes to the pace of the economy. Since the increasing outbreak of the COVID-19 virus, there are many risks that banks will face, such as bad loans as measured by the Non-Performing Loan (NPL) ratio, a decrease in net interest margin as measured by the Net Interest Margin (NIM) ratio, increasing Operating Costs to Operating Income (BOPO), and increasing Third Party Funds (DPK) but not followed by high lending. This disrupts the balance between loans and deposits, measured through the Loan-to-Deposit Ratio (LDR). In this study using secondary data types in the form of d

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Prezas, Alexandros P. "A Banks International Loan Policy And The Supply of Deposits." Journal of Applied Business Research (JABR) 3, no. 3 (2011): 51. http://dx.doi.org/10.19030/jabr.v3i3.6515.

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If the supply of domestic deposits is a function of the rate on deposits and the amount of loans extended domestically, and if domestic banks maximize profits, then the interest rate differential between two countries persists despite the lack of risk or government intervention. Furthermore, each domestic bank holds a combination of domestic and foreign loans although rates abroad are higher. By extending domestic loans, the bank attracts more deposits and incurs lower interest costs on these deposits.

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Karadayi, Nilgun. "Determinants of Return on Assets." European Journal of Business and Management Research 8, no. 3 (2023): 37–44. http://dx.doi.org/10.24018/ejbmr.2023.8.3.1938.

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The aim of this research is to identify the factors impacting the return on assets of privately owned deposit banks in Turkiye and to examine these banks by comparing their net profits, total assets, loans, deposits and non-interest incomes. Equity, deposit, loan, liquidity and non-interest income ratios were used as factors affecting the return on assets. Panel data analysis was made by applying R-Studio Program. According to analysis results, it was determined that the liquidity and non-interest income ratio had a positive impact on the return on assets. It was concluded that the negative im

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Hakuduwal, Kishor. "Impact of Bank Specific Factors on Profitability of Nepalese Commercial Banks." Tribhuvan University Journal 36, no. 01 (2021): 122–33. http://dx.doi.org/10.3126/tuj.v36i01.43587.

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This paper aims to investigate the impact of bank specific factors unprofitability of Nepalese commercial banks. Total assets, total deposit, total loan and advance and total equity are taken as independent variables and return on assets is taken as dependent variable. The study is based on pooled least square method. The seven years’ panel data from 2012 to 2018 is taken for the study. Taking 112 observations from sixteen commercial banks, the regression result, F-test and t-test are used for analysis. The study found that the total assets and total loan and advance have positive significant

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