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Journal articles on the topic 'Loan to Saving Ratio'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Salim, Helmi Agus, and Amiroh Nurbailah. "Analisis Rasio Sebagai Dasar Pengukuran Kinerja Keuangan Pada Koperasi Simpan Pinjam Syariah BMT UGT Sidogiri." Wiga : Jurnal Penelitian Ilmu Ekonomi 8, no. 2 (2018): 10–19. http://dx.doi.org/10.30741/wiga.v8i2.313.

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Saving and loan cooperative Syariah BMT UGT Sidogiri is one of financial institutions in which its activity is to collect fund from the members and distribute it through the mechanism of the islamic financial services business. It is from and for cooperative members, or even the candidate ones. With more and more competitors and the uncertain of the economic condition of indonesia affects unstable condition in its financial sector. To know that financial condition, needed appraisal toward Saving and loan cooperative Syariah BMT UGT Sidogiri financial performance by applying analysis against fi

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Dr., Kishor Chandra Meher. "ASSESSMENT OF PERFORMANCE OF SAVING MOBILIZATION BETWEEN BRANCHES OF MFI, ETHIOPIA." International Journal of Current Research and Modern Education 2, no. 2 (2017): 306–17. https://doi.org/10.5281/zenodo.1101069.

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The captioned title of research attempts to evaluate the efficiency of saving mobilization performance of Micro Finance Institutions like Amhara Credit & Saving Institutions (ACSI) in Ethiopia in general and between the two branches (Arrerty and Deneba<strong>)</strong> of North Shoa Region in particular. Data are collected through primary data such as questionnaire and secondary data from the annual reports of ACSI. While convenient sampling is used to select the branches for the study, simple random sampling has been adopted to select the saving clients from the population of both the br

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Bernadus Yopi Lado, Herly M. Oematan, and Siprianus G. Tefa. "Analisis Kredit Macet Terhadap Kinerja Keuangan Koperasi Simpan Pinjam Swasti Sari Cabang Kota Kupang." Jurnal Kendali Akuntansi 3, no. 1 (2025): 89–94. https://doi.org/10.59581/jka-widyakarya.v3i1.4717.

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This study aims to analyze bad debts on the financial performance of the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative. The research method used is descriptive quantitative, with data analysis techniques using bad debt analysis and financial performance analysis by measuring financial ratios such as liquidity, solvency and profitability ratios. The data used in this study is secondary data in the form of financial statements of the Swasti Sari Saving and Loan Cooperative, Kupang City Branch for a period of 5 years from 2019-2023. The results showed that bad debts at the Ku

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Fahriani, Dian, and Tantri Risda Zubaidah. "Financial Performance Analysis of The Saving and Loan Cooperative." JKIE (Journal Knowledge Industrial Engineering) 10, no. 1 (2023): 38–49. http://dx.doi.org/10.35891/jkie.v10i1.4125.

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This study aims to determine the financial performance of cooperatives in 2017-2019. The object of this research is the Analysis of the Financial Performance of the Savings and Loan Cooperative using the analysis method of the liquidity ratio, solvency and profitability. The data from this study were obtained from the results of company documents in the form of financial statements of the Financial Performance Savings and Loan Cooperative. The results of this study indicate that the liquidity ratio is measured using the Cash Ratio, 2017 to 2019 shows that financial performance is classified as

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Ardiansyah, Fajar Alif, Sarah Yuliarini, Eva Wany, and Budi Prayitno. "ANALYSIS ON CURRENT ACCOUNT SAVING ACCOUNT (CASA), NON-PERFORMING LOAN (NPL), DAN LIKUIDITAS (LDR) TO BANKING PROFITABILITAS (ROA) SITUATION ARROUND PANDEMIC COVID 19." Media Mahardhika 21, no. 3 (2023): 470–79. http://dx.doi.org/10.29062/mahardika.v21i3.640.

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Interrelated of situation as pandemic covid 19 happened which was data conducted then to be tested and analyzed the effect of Non-Performing Loans, Current Account Saving Accounts and Loan to Deposit Ratios on Return on Assets in banking companies listed on the Indonesia Stock Exchange for the 2019-2021 period. This study conducted on 48 banking listed companies which matched the criteria for the research sample. The analysis technique used multiple linear regression and SPSS version 20 as tools for data processing. The results of this study indicate that Non-performing Loans and Current Accou

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Ary, Dwi Prasetyo Murtopo, and Roni Setyawan Ignatius. "Effect of Loan Disbursement, Non-Performing Loan (NPL) and Current Account-Saving Account (CASA) Ratio on The Profitability of Digital Bank Listed on Indonesia Stock Exchange." International Journal of Current Science Research and Review 07, no. 12 (2024): 8749–58. https://doi.org/10.5281/zenodo.14286852.

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Abstract : Technological advances have brought updates to business processes and banking services in Indonesia, namely the birth of banks that provide digital-based services to customers or called Digital Banks. The development of this digital banking ecosystem is supported by the economic conditions that have recovered after COVID pandemic ended. Digital transformation has certainly encouraged the emergence of several Digital Banks that have become Game Changers in the financial services business by offering convenience in digital products and services. A number of Digital Banks have succeede

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Yitayaw, Mekonnen. "Effect of Outreach on Financial Sustainability and Profitability of Saving and Credit Cooperatives in Eastern Ethiopia." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 20(35), no. 2 (2020): 51–69. http://dx.doi.org/10.22630/prs.2020.20.2.12.

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This study scrutinized the effect of outreach on financial sustainability and profitability of SACCOs in Eastern Ethiopia using balanced panel data from 33 SACCOs over the period of 2017-2019. Quantitative approach and explanatory design were employed to realize the stated objective. This study used secondary data sources, mainly audited financial statement of the SACCOs, in the study period. The analysis revealed that SACCOs in Eastern Ethiopia are profitable but not financially sustainable. Random effect model results show that gross loan to asset ratio, yield on gross loan portfolio, manage

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Puspadewi, Ni Kadek Dealita, and I. Wayan Budi Satriya. "Pengaruh Perputaran Kas, Loan to Deposit Ratio, dan Pertumbuhan Jumlah Nasabah Terhadap Profitabilitas." Hita Akuntansi dan Keuangan 5, no. 3 (2024): 154–62. http://dx.doi.org/10.32795/hak.v5i3.4351.

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The purpose of this study was to examine the effect of cash turnover, loan to deposit ratio, and growth in the number of customers on profitability during the Covid-19 pandemic in savings and loan cooperatives throughout the Pedungan Village. The population used in this study were 30 savings and loan cooperatives throughout the Pedungan Village. Determination of the sample using a purposive sampling technique to obtain 10 companies as a sample, with 3 years of observational data to obtain 30 observational data. Data were analyzed using multiple linear regression analysis. The results of the an

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Edi, Bagus Qomaruzzaman Ratu, Karim Budiono, and Musaiyadi Musaiyadi. "ANALYSIS OF FINANCING EFFECTIVENESS IN SHARIA COOPERATIVES BMT BINA TANJUNG IN JEMBER." Relasi : Jurnal Ekonomi 18, no. 2 (2022): 243–58. https://doi.org/10.31967/relasi.v18i2.603.

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According to the Decree of the Minister (Kepmen) of Cooperatives and UKM of the Republic of Indonesia Number 91 of 2004 Sharia Financial Services Cooperatives (KJKS) are cooperatives whose business activities are engaged in financing, investment, and savings according to the pattern of profit sharing (sharia). In carrying out its function as a property development house, the BMT Bina Tanjung Sharia Cooperative encourages saving activities and supports the financing of economic activities. The objectives of this study are (1) to determine the effectiveness of sharia financing that has been carr

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Matdio Siahaan, Maurits Sipahutar, Tony Renhard Sinambela, Paiaman Pardede, Parel Naibaho, and Rodeyar Pasaribu. "Financial Ratio Analysis to Measure Financial Performance of Cum Anugerah Bekasi Cooperative." International Journal of Professional Business Review 8, no. 7 (2023): e02371. http://dx.doi.org/10.26668/businessreview/2023.v8i7.2371.

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Purpose: The purpose of this study was to determine the financial performance of the Savings and Loans Cooperative CUM Anugerah Bekasi in 2018-2020, seen from the liquidity ratio, solvency ratio, and profitability ratio. Design/methodology/approach: This type of research uses quantitative descriptive research, namely collecting, processing and interpreting the data obtained to provide a clear picture of the situation under study using financial formulas. The object of this research is the financial report of the CUM Anugerah Bekasi Savings and Loan Cooperative in 2018-2020. Findings: The resul

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Muhammad Rispan Affandi and Asianna Martini Simarmata. "Analysis Of The Effect Of Profitability Ratio On Return On Assets In PT. Bank Sumut." Jurnal Akuntansi Bisnis Eka Prasetya Penelitian Ilmu Akuntansi 8, no. 2 (2022): 90–99. http://dx.doi.org/10.47663/abep.v8i1.263.

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The research objective is to examine the effect of the Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Operating Expense to Operating Income (BOPO), Net Interest Margin (NIM), dan Current Account Saving Account (CASA) partially and simultaneously to PT. Bank Sumut Return on Asset (ROA). The population of this research is the branch office of PT. Bank Sumut which has been established during the observation period from 2014 to 2018. This research uses purposive sampling. The analytical tool used is panel data regression and data processing using software Stata 13. The results of this res

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Lee, Geun-Sig, Joon Hei Cheung, and Wook Bin Leem. "The Effects of 8/8 ratio of Saving banks on Loan Level and Capital Management." Academic Society of Global Business Administration 18, no. 2 (2021): 92–117. http://dx.doi.org/10.38115/asgba.2021.18.2.92.

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Woeichandra, Rachmat, Andi Mustika Amin, and Khaidir Syahrul. "ANALISIS KINERJA KEUANGAN PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK PERIODE 2016-2020." Jurnal Manajemen 2, no. 2 (2023): 102. http://dx.doi.org/10.26858/jm.v2i2.42297.

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Abstrak: Penelitian ini bertujuan untuk mengetahui kinerja keuangan pada PT. Bank Tabungan Negara (Persero) Tbk Periode 2016-2020 dengan menggunakan rasio likuiditas, solvabilitas, dan profitabilitas. Populasi dalam penelitian ini adalah keseluruhan laporan keuangan tahunan (annual report) dengan sampel berupa laporan neraca dan laporan laba rugi PT. Bank Tabungan Negara (Persero) Tbk, selama lima tahun terakhir (2016-2020). Teknik pengumpulan data yang dilakukan dengan teknik dokumentasi. Hasil penelitian ini menunjukkan pada tahun 2016-2020 kinerja keuangan PT. Bank Tabungan Negara (Persero)

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Widhiastuti, Ni Luh Putu, and I. Gusti Agung Arista Pradnyani. "Savings Growth, Loan Growth, Customer Growth, Non-Performing Loans, and Capital Adequacy Ratio on Profitability." Equity: Jurnal Ekonomi 12, no. 1 (2024): 20–30. http://dx.doi.org/10.33019/equity.v12i1.246.

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This research intends to analyze the connection between savings growth, loan growth, customer growth, non-performing loans, and the capital adequacy ratio on profitability. The study was conducted on Village Credit Institutions (LPD) in Denpasar city during the period 2021-2022. The sample was selected using purposive sampling, resulting in a total sample of 34 LPDs (Village Credit Institutions) and 68 observations. The data obtained were analyzed using multiple linear regression analysis. The test results prove that growth in savings has a negative impact with profitability, while growth in l

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Ayuningtyas, Fitri Juniwati. "THE PREFERENCES FOR HOUSING LOAN DEMAND IN INDONESIA BEFORE AND AFTER THE LOAN-TO-VALUE POLICY CHANGE." Jurnal Ekonomi Bisnis dan Kewirausahaan 11, no. 2 (2022): 131. http://dx.doi.org/10.26418/jebik.v11i2.52888.

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The high price of houses causes a person to not be able to buy a home. The way that someone can own a house is by taking advantage of the credit offers provided by the bank. A mcroprudential policy needed that aims to overcome financial system instability, one of which is the policy on easing the loan-to-value (LTV) ratio for housing loans (KPR). The adjustment of LTV ratio aims to increase the potential demand for property, especially housing and household appliances, in line with an increase in the incomes of the lower middle class, and to control risks in the property sector. This study ana

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Yaspita, Hasanah, and Gita Sari Gustika. "ANALYSIS OF FINANCIAL PERFORMANCE AT THE KP-RI KOPEKA SAVING AND LOAN COOPERATION (KSP) KOPEKA INDRAGIRI HULU REGENCY." Jurnal Manajemen dan Bisnis 10, no. 2 (2021): 165–83. http://dx.doi.org/10.34006/jmbi.v10i2.354.

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In essence, the financial performance of a cooperative can be measured and viewed through financial statements by analyzing financial statements. The financial report is a financial list that is directly related to the financial position and financial operations, both of which provide information regarding the financial condition of the cooperative. In the measurement of financial position, the elements that are directly related are assets, liabilities and equity. One of the analytical techniques is ratio analysis which can provide clues that describe the condition of KSP KP-RI Koppeda, Indrag

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Stanley, Nicklaus. "Impact of Tax Implementation on Fintech P2P Loans in Indonesia." EconBank: Journal of Economics and Banking 5, no. 2 (2023): 189–201. http://dx.doi.org/10.35829/econbank.v5i2.332.

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This research paper aims to examine the impact of tax implementation on the number of P2P loan recipients and the amount of P2P loan disbursement in fintech industry of Indonesia. This empirical study is based on the number of accounts and loan data acquired from one of Indonesia’s government agencies – the Financial Services Authority (OJK) from February 2022 to April 2022 and June 2022 to August 2022 that are analyzed using various tests such as Skewness-Kurtosis Test, the variance ratio test, and t-test. The results show that tax implementation does not significantly affect the number of P2

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Sjahrifa, Cut, Wiwiek Mardawiyah Daryanto, and Vanya Kanyaka Ananggadipa. "Measuring the Financial Performance of Indonesian Banking Industry Using Risk-Based Bank Rating." International Journal of Business Studies 2, no. 1 (2018): 33–41. http://dx.doi.org/10.32924/ijbs.v2i1.31.

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A bank has an important role in every country including Indonesia. The bank is aimed at maintaining economic growth and national financial stability. This study is to measure and analyze the financial performance between Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Mandiri, and Bank Central Asia (BCA) against the national performance condition from under Bank Indonesia’s regulation No. 1 3 /1 /PBI/2 01 1 about Banks Financial Health Assessment. The data were collected from the annual report each company for the period 2012 – 2016. Furthermore, this study measure and analyze t

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Rohadi, Sigit Catur, Susi Sarumpaet, and Usep Syaipudin. "Determinan Non-Performing Loan (NPL) Perbankan Kawasan ASEAN." owner 8, no. 2 (2024): 1917–29. http://dx.doi.org/10.33395/owner.v8i2.2331.

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There are numerous factors that influence Non-Performing Loan (NPL) in the banking sector. This research aims to examine empirical evidence regarding factors affecting NPL, namely GDP Growth, inflation, reference interest rates, loan growth, Capital Adequacy Ratio (CAR), and Current Account Saving Account (CASA). The novelty of this research is proposing CASA as a new independent variable influencing NPL. Population of this research comprises all banks listed in the Forbes Global 2000 released in May 2022, located within ASEAN countries, and possessing financial information relevant to variabl

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Halimah, Andi Sitti, and A. Rismayanti Fianda Sari. "Pengembalian Dana Pinjaman Kelompok Simpan Pinjam Perempuan (SPP) PNPM Mandiri Perdesaan." JURNAL MANAJEMEN AGRIBISNIS (Journal Of Agribusiness Management) 10, no. 2 (2022): 773. http://dx.doi.org/10.24843/jma.2022.v10.i02.p05.

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This research was conducted to determine the effectiveness of the loan repayment of the Women's Savings and Loans Group (SPP) in Patampanua District, Pinrang Regency. The sample was selected based on purposive sampling, namely the SPP group with known effective and ineffective revolving fund loan repayments. The number of samples is the same between each village, with the consideration that the selected villages are villages with groups that are effective and ineffective in repaying SPP loan funds, so this is considered quite representative. The results of the study show that the ratio of the

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Fauzi, Achmad. "The Role of Ratio Profits as The Improvement of Realization of KPR BTN Credit on PT. Bank Saving Country (Persero) Tbk." Integrated Journal of Business and Economics 2, no. 1 (2018): 31–38. https://doi.org/10.5281/zenodo.1165113.

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<em>Mortgages are used as credit services provided by banks to customers who want a special loan to meet the needs in the construction of houses or home renovations that must be in accordance with the procedures that have been specified as a condition of completeness of KPR. Data collection methods in the preparation of this research is a qualitative research method with one case study in calculating the profit generated by Bank BTN (Bank Tabungan Negara) can be calculated by using the ratio. One of the ratios used is the profitability ratio. In the ratio of profitability there are ratios such

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Walzer, Michael, Abdul Hakim At Tamimi, and Amrie Firmansyah. "Are Banking Financial Performances and Green Banking Disclosure Associated with Bank Profitability?" Accounting Student Research Journal 3, no. 1 (2024): 55–71. http://dx.doi.org/10.62108/asrj.v3i1.7645.

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This study examines how banking financial performance and green banking disclosure influence profitability. Financial performance in this research consists of capital adequacy ratio, non-performing loans, efficiency ratio, and loan-to-savings ratio. The research sample consisted of 30 samples selected using a purposive sampling method from 6 banking sector companies listed on the Indonesia Stock Exchange in 2018-2022, which consistently reported their green banking practices and did not experience losses during the research period. The analytical method in this research is panel data regressio

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Bassey, Nsikan Ede, Otu William Ibok, and Esu-Amba Antakikam Amba. "The Effect of Selected Financial Indicators on Formal Agricultural Credit Supply in Nigeria." International Journal of Management Sciences and Business Research 3, no. 09 (2014): 01–08. https://doi.org/10.5281/zenodo.3457671.

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This study examines the effect of selected financial indicators on formal agricultural credit supply in Nigeria. Time series data obtained from CBN covering the period 1970-2011 were employed in the study. Data were analyzed using Cointegration and error correction model. The data was first examine for unit roots using the Augmented Dicky Fuller (ADF) test, result which shows that only loan to deposit ratio was stationary at level while the other variables were stationary at first difference. Findings further revealed that loan to deposit ratio, loan to other sectors and previous volume of loa

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Mahanavami, Gusti Ayu. "FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA." Forum Manajemen 11, no. 2 (2017): 20–36. http://dx.doi.org/10.61938/fm.v11i2.59.

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Banking is everything which is concerning about Bank, including institute,business activity, and also the way of and process to execute its effort, while Bankrepresent the nucleus, core institute from financial system, every state which is theeffort in essence muster the fund from society which is its for in the form of saving,deposit and giro, channelling to society needing fund in the form of credit and alsoservice in payment traffic. .Ability of the banks in gain profit is measured by returnon assets (ROA). The purpose of this research is to examine influence of CapitalAdequacy Ratio (CAR),

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Ivasenko, Maksym, Serhiy Frolov, Mykhaylo Heyenko, Nataliia Kolodnenko, and Viktoriia Datsenko. "Operational cost savings: Blockchain-driven back-office automation and syndicated loan growth in U.S. banks." Banks and Bank Systems 20, no. 2 (2025): 189–205. https://doi.org/10.21511/bbs.20(2).2025.16.

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This article highlights the results of a study investigating whether the growth of syndicated loan activity among US commercial banks was driven by measurable operational cost savings through blockchain-powered back-office automation. Quarterly data from Q1 2010 to Q4 2024 on syndicated loan stocks, commercial and industrial loans, real GDP, bank assets, and non-interest expenses were obtained from the Federal Reserve System’s FRED database. A dummy variable was applied after 2016 to denote the implementation of the first production-level Distributed Ledger Technology (DLT) pilots. Using the A

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Lee, Hyo-Jin, and Joon Hei Cheung. "The Effect of ETR on Non Performing Loan Ratio and Loan Loss Provision : Focusing on Savings Bank." Journal of CEO and Management Studies 23, no. 1 (2020): 397–412. http://dx.doi.org/10.37674/ceoms.23.1.21.

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Bhowmik, Probir Kumar. "Macroeconomic and Bank-specific Determinants of Loan Growth in Commercial Banks: A Fixed Effect Model Analysis." Journal of Management Accounting, Governance and Performance 01, no. 01 (2024): 92–112. https://doi.org/10.63817/jmagp.06.2024.007.

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Purpose/Objective – This study aims to identify the macroeconomic and bank-specific elements of loan growth in commercial banks in Bangladesh. Methodology/Approach – Panel data from 33 commercial banks, totaling 335 observations from 2011 to 2022, has been considered for statistical analysis. The ordinary least square method has been applied, followed by a fixed effect (FE) model. Several diagnostic tests, i.e., VIF, White’s Hausman, and Pesaran’s tests, were performed to check the applied models’ validity. Results/Findings – Results show that the bank-specific factors, i.e., lagged loan growt

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AMODU, Muhammed Abdulasisi, Olawale Clement ADEDAYO, and Adebisi Gabriel AKEREDOLU. "Monetary Policy and People’s Socio-Economic Welfare in Nigeria." International Journal of Research and Scientific Innovation X, no. VI (2023): 71–82. http://dx.doi.org/10.51244/ijrsi.2023.10608.

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This study examined the effect of monetary policy on the socio-economic welfare of Nigerians between1980 and 2021 from three perspectives: income, health and education. We assessed the short and long run effects of six monetary policy variables (lending rate, savings deposit rate, liquidity ratio, monetary policy rate, loan deposit ratio and private sector credit to gross domestic product ratio) and inflation (control variable on three different socio-economic welfare variables (gross domestic product per capita, child mortality rate and primary and secondary school enrolment) during the study

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Agustin, Shinta Dwi, and Achmad Sjamsuddin. "ANALISIS PENGARUH CAPITAL ADEQUACY RATIO (CAR), RETURN ON ASSETS (ROA), NON PERFORMING LOAN (NPL), DAN INFLASI TERHADAP LOAN TO DEPOSIT RATIO (LDR)." ICoIS: International Conference on Islamic Studies 4, no. 2 (2024): 239–50. http://dx.doi.org/10.58223/icois.v4i2.255.

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This study aims to analyze the management of zakat, waqf and Islamic finance funds managed by Islamic banking. Where is the bank which is a place to collect funds from the community in the form of savings, then channeled back in the form of credit and others to the community. Provision of credit funds to the public can be measured through Loan To Deposit (LDR), where a ratio can indicate the ability of a bank to channel credit funds to third parties. Which can be carried out various tests in channeling bank funds to find out how the influence of CAR, NPL, ROA and inflation on LDR measurements.

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Widati, Sri, and Irdawati Irdawati. "Analisis Pengelolaan Kasuntuk Meningkatkan Rentabilitas pada Koperasi Simpan Pinjam Purnama Kelurahan Puunaaha Kabupaten Konawe." Jurnal Ilmiah Dikdaya 12, no. 1 (2022): 121. http://dx.doi.org/10.33087/dikdaya.v12i1.282.

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This study aims to identify and analyze cash management to increase profitability in the Purnama savings and loan cooperative, Puunaha Village, Konawe Regency. The analytical method used in this research is descriptive percentage by describing the Profitability of Own Capital and Economic Profitability.The results of the analysis show that in 2018, the profitability ratio of own capital was 17.96%, then in 2019 it became 20.77% and in 2020 the profitability of own capital became 24.20%. This means that it has increased by an average of 20.97% per year during 2018-2020 with an average level of

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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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Prosper J Kimaro. "Contribution of Evangelical Lutheran Church-Northen Diocese on the performance of community banks in Tanzania: A case of Uchumi Commercial Banks." Journal of Management and Science 14, no. 1 (2024): 30–39. http://dx.doi.org/10.26524/jms.14.4.

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This study assessed the contribution of Evangelical Lutheran Church-Northern Diocese in Tanzania on the financial performance of Uchumi Commercial Bank. A specific focus was on how church-owned savings, loans and share capital affect community bank performance. Panel regression data analysis collected between 2016 and 2022 were employed. Bank performance measured in return on assets and return on capital (ROA & ROE respectively), Loan to Deposit Ratio (LDR) and share capital (SC). The findings show that the frequency of savings and loans provided to parishes, loan repayments and number of

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Yadav, Mukti. "Microfinance in Nepal: An Overview." Journey for Sustainable Development and Peace Journal 2, no. 2 (2024): 114–31. http://dx.doi.org/10.3126/jsdpj.v2i2.69573.

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This paper aims to explore the current challenges and opportunities of the microfinance sector in Nepal. The secondary data and descriptive research with a critical approach are adopted to explain the study. The data were mainly collected from Nepal Rastra Bank's (NRB) annual Reports, and other available literature. The result shows that the center numbers (numbers of microfinance user group) change ratio was reduced from 17.11% to 1.30%, the total group numbers were 13% to 2.88%, the borrower 7.51% to (-9.66%), staff progress 9.75% to (-3.48%), loan outstanding 41.18% to (-5.06), profit 150.5

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Rajpal, Navin Kumar, and Sharmila Tamang. "Efficiency and Effectiveness Evaluation of Micro-credit Programme in Transforming Rural Women Entrepreneurs: Experiences from Balasore District of Odisha." Emerging Economies Cases Journal 3, no. 2 (2021): 87–94. http://dx.doi.org/10.1177/25166042211060933.

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The micro-credit programme was introduced with multi-dimensional objectives and therefore was always under direct purview of various government agencies. Microfinance in Odisha works under umbrella of Mission Shakti and TRIPTI (a world bank initiated project). Balasore district is selected on the basis of MFPI index taking into consideration the saving, credit linkage and credit-deposit ratio indicators. The analysis had shown positive impact of programme on various economic, social and decision making dimensions. The linked financial institutions have undertaken SHGs as their major customers

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Lutfi, Achmad, Ali Imron, and Diah Ayu. "Implementation of Loan to Value Easing Policy and Efforts to Overcome Problem Property Credit." East African Scholars Journal of Education, Humanities and Literature 7, no. 08 (2024): 234–39. http://dx.doi.org/10.36349/easjehl.2024.v07i08.001.

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The function of national banking is not only as a forum for collecting and distributing public funds or as an intermediary for savers and borrowers (investors) but also to improve people's living standards; one of these efforts is to provide various types of Credit, one of which is property credit. One of Bank Indonesia's efforts is to provide relief by increasing the loan to value (LTV) ratio for the lower middle class. Based on this background, this article examines and analyzes the considerations for issuing macroprudential policies regarding loan to value relaxation on property loans and t

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Khan, Ashfaque H., and Zafar Mueen Nasir. "Stylised Facts of Household Savings: Findings from the IDES 1993-94." Pakistan Development Review 37, no. 4II (1998): 749–63. http://dx.doi.org/10.30541/v37i4iipp.749-763.

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Saving, the fraction of national income that is not spent on current consumption, has long been widely regarded as a key factor in economic growth.1 The saving rate along with the incremental capital-output ratio determine the growth rate of the economy in the Harrod-Domar Model framework. The critical role of saving in capital accumulation and economic development is also recognised in the "two-gap" and classical growth models. For capital accumulation to result in sustained growth, it must be supported by adequate domestic/national savings. This has been clearly demonstrated by the extra-ord

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Gunardi, Gunardi, Karyadi Karyadi, Anisya Pujianti, et al. "Analisis kredit bermasalah ditinjau dari non performing loan (NPL) pada PT Bank Mandiri (persero) Tbk." Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan 4, no. 11 (2022): 5228–32. http://dx.doi.org/10.32670/fairvalue.v4i11.1838.

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As we know, in the financial system, there are various financial institutions that act as financial intermediaries. That is, lending money from the savings and loan community, lending it back to other parties. This is because it does not rule out the possibility that credit will pose a risk for this research to assess how much non-performing loans are in terms of non-performing loans (NPL) in a banking company, namely PT Bank Mandiri (Persero) Tbk. The method used in this research is the descriptive method. The sources of data used are secondary data and the use of library research and observa

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Pitonáková, Renáta. "Private Sector Savings." Danube 9, no. 1 (2018): 1–17. http://dx.doi.org/10.2478/danb-2018-0001.

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Abstract The majority of household savings are in the form of bank deposits. It is therefore of interest for credit institutions to tailor their deposit policy for getting finances from non-banking entities and to provide the private sector with the loans that are necessary for investment activities and consumption. This paper deals with the determinants of the saving rate of the private sector of Slovakia. Economic, financial and demographic variables influence savings. Growth of income per capita, private disposable income, elderly dependency ratio, real interest rate and inflation have a po

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Melvina, Melvina, and Agustin Ekadjaja. "FACTORS AFFECTING PROFITABILITY ON BANKING COMPANIES LISTED ON THE IDX." International Journal of Application on Economics and Business 1, no. 4 (2023): 1878–88. http://dx.doi.org/10.24912/ijaeb.v1i4.1878-1888.

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This study aims to obtain empirical evidence about the effects of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Current Account Saving Account (CASA), and Operating Expenses to Operating Income (BOPO) on the profitability of banking companies listed on the Indonesia Stock Exchange (IDX) in 2017-2020. This research uses 27 banking companies selected using purposive sampling method. The research data will be processed using the EViews 9.0 program. The results of this research indicate that the NIM has a positive and significant effect on profitability, BOPO

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Duguma, Girma, and Jiqin Han. "Effect of Deposit Mobilization on the Financial Sustainability of Rural Saving and Credit Cooperatives: Evidence from Ethiopia." Sustainability 10, no. 10 (2018): 3387. http://dx.doi.org/10.3390/su10103387.

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Increasing institutional capital through deposit mobilization keeps the cost of capital low, thus leading to financial sustainability. However, little is known about how deposit mobilization affects financial sustainability. Using balanced panel data of 166 rural savings and credit cooperatives (RUSACCOs) from Ethiopia over the period of 2014–2016, we investigated the effect of deposit mobilization on financial sustainability. The results of the panel regression estimates showed that, among the deposits mobilization variables, the deposit to loan ratio, deposit to total asset ratio, the volume

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Widiantari, Sri, and Kadek Aditya Yogi Iswara. "PENGARUH CURRENT ACCOUNT SAVING ACCOUNT (CASA), LOAN TO DEPOSIT RATIO (LDR), DAN NET PERFORMING LOAN (NPL) TERHADAP LABA BERSIH PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI PERIODE 2016-2020." Jurnal Ilmiah Akuntansi dan Bisnis 6, no. 2 (2021): 76–89. http://dx.doi.org/10.38043/jiab.v6i2.3236.

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Penelitian ini memiliki tujuan melihat adanya pengaruh CASA, LDR dan NPL terhadap laba bersih perusahaan perbankan yang terdaftar di BEI periode 2016 – 2020. Metode kuantitatif digunakan dalam penelitian ini dengan teknik pengumpulan data berupa studi dokumentasi pada data sekunder berupa laporan keuangan periode 2016-2020 dan penelitian terdahulu sedangkan untuk teknik analisis menggunakan Regresi Linier Berganda melalui program IBM SPSS versi 24. Penelitian ini mendapat hasil (1) CASA berpengaruh positif terhadap laba bersih perusahaan perbankan yang terdaftar di BEI periode 2016-2020 (2) LD

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Muduli, Silu, and Manu Sharma. "Loan Repayment Dynamics of Self-help Groups in India." Margin: The Journal of Applied Economic Research 16, no. 2 (2022): 183–202. http://dx.doi.org/10.1177/09738010221074593.

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The overall ratio of non-performing assets (NPAs) to total advances (the NPA ratio) extended to self-help groups (SHGs) has historically remained below 8 per cent in India. However, in the central, northern, and north-eastern regions of India, this ratio is relatively high and has remained above 15 per cent since 2015–2016. Using state-level data, the study identifies SHG-specific and state-specific factors that might be responsible for higher NPAs ratios. It also examines whether higher NPAs constrain access to future credit. Spatial analysis confirms the existence of geographical clustering

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Li, Zhan, Xiaoqian Ju, Chunlei Wang, Zhi Hou, and Chuncheng Che. "P‐12.14: Factors Affecting the Energy Saving Rate of Dye‐doped Liquid Crystal Smart Window in Office Buildings." SID Symposium Digest of Technical Papers 54, S1 (2023): 908–11. http://dx.doi.org/10.1002/sdtp.16450.

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The building energy consumption and energy saving rate in office buildings with Dye‐doped liquid crystal (DLC) smart window under the change of region, window‐wall ratio and orientation were simulated by DeST‐C. The results indicated that the energy saving rate of DLC smart window increased with the rising proportion of cooling load in different regions: Harbin < Beijing < Shanghai < Guangzhou. When DLC smart window was used in Shanghai, the energy saving rate increased with the increase of window‐wall ratio. Moreover, DLC smart window in different orientations generally resulted in d

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Lu, Zebin, Junru Lei, Yihao He, Zhengfa Li, Shuhua Deng, and Xieping Gao. "Energy Optimization for Software-Defined Data Center Networks Based on Flow Allocation Strategies." Electronics 8, no. 9 (2019): 1014. http://dx.doi.org/10.3390/electronics8091014.

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Nowadays, energy consumption has become an important issue in data center networks. The most promising energy-saving schemes are those that shut down unnecessary network devices and links while meeting the demand of traffic loads. Existing research mainly focuses on the strategies of energy savings in software-defined data center networks (SD-DCN). Few studies have considered both energy savings and the quality of service (QoS) of the traffic load. In this paper, we investigate the energy savings guaranteed by traffic load satisfaction ratio. To ensure the minimum-power consumption in data cen

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Xiong, Jianwu, Yin Zhang, Meng Han, Jing Wu, and Zexuan Tian. "Building energy-saving mechanism for indoor cooling temperature set-point with different envelope: A case study in Guangzhou." Journal of Chinese Architecture and Urbanism 5, no. 2 (2023): 0877. http://dx.doi.org/10.36922/jcau.0877.

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The temperature set-point of air conditioning system is a crucial parameter for behavior adjustment. Nevertheless, the thermal characteristics of building envelopes are different at varied construction ages. In this context, there are already several systematic studies demonstrating the differences in energy savings as a result of raising the same temperature set-point for air conditioning. In this study, an office building was used under four assumed envelopes representing different construction ages, and the characteristic temperature method was applied to simulate the hourly dynamic air-con

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MTUNZI, Busiso, Simon MICHAEL, and Edson L. MEYER. "Thermal and Electrical Energy Yield Analysis of a Directly WaterCooled Photovoltaic Module." Thermal Science 19, no. 2 (2013): S547–555. https://doi.org/10.22989/TSCI130118144M.

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Electrical energy of photovoltaic modules drops by 0.5% for each degree increase in temperature. Direct water cooling of photovoltaic modules was found to give improved electrical and thermal yield. A prototype was put in place to analyse the field data for a period of a year. The results showed an initial high performance ratio and electrical poweroutput. The monthly energy saving efficiency of the directly water cooled module was found to be approximately 61%. The solar utilisation of the naturally cooled photovoltaic module was found to be 8.79% and for the directly water cooled module its

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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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Wang, Hong Wei, Ya Dong Zheng, and Fang Wen Tu. "Influences of External Windows on Energy Consumption of Industrial Buildings in Cold Areas." Advanced Materials Research 250-253 (May 2011): 3055–58. http://dx.doi.org/10.4028/www.scientific.net/amr.250-253.3055.

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Shenyang is located in the cold areas and main industy city in China. The most current industrial buildings can’t meet the demand of energy-saving standard because of the thermal insulation performance of the windows.This paper aims at using DeST software to analyze industrial workshop energy consumption, according to different types of external windows and window-wall ratio of buildings to provide reference for energy saving design of industrial buildings in Shenyang area.The thermal performance of the windows has great effect on the heat load. The lower the heat transfer coefficient of windo

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Nasution, Yuslinda. "ANALISIS LOAN TO DEPOSIT RATIO (LDR) DAN CAPITAL ADEQUANCY RATIO (CAR) TERHADAP RENTABILITAS PADA PT. BANK TABUNGAN NEGARA (PERSERO) Tbk." Jurnal Manajemen 1, no. 1 (2016): 48–58. http://dx.doi.org/10.54964/manajemen.v1i1.173.

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This study aims to identify, analyze and be able to explain financial ratios, especially the level of liquidity that is calculated by using the ratio of loan to deposit ratio (LDR), calculating the solvency level by using the ratio of Capital Adequacy Ratio (CAR), and calculate profitability by using the ratio Retun On Assets (ROA), Return On Investment (ROI) and Net Interest Margin (NIM) In PT Bank Tabungan Negara (Persero) Tbk, which is one of the State Owned Enterprises in the field of banking services primarily in credit financing.To obtain the necessary data, the authors use data collecti

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Purba, Megaria, Ratih Iren Simarmata, and Malini Malini. "Election of Cooperative Chairman Using the Moora Method (Multi Objective Optimization On The Basis Of Ratio Analysis)." Journal of Computer Networks, Architecture and High Performance Computing 5, no. 2 (2023): 634–47. http://dx.doi.org/10.47709/cnahpc.v5i2.2660.

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The Padrepio Helvetia Medan Parish Mandiri Savings and Loans Association Cooperative is one of the cooperatives engaged in the savings and loan sector by prioritizing members' desire to save so that they can create joint capital for members to borrow with appropriate loan services for welfare purposes. The Annual Members' Meeting is an annual agenda as a media for management to be accountable for their performance for one year. The chairman of the cooperative is the highest structural position of the administrator who has duties and responsibilities both inside and outside the cooperative in c

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