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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 financial performance through the financial ratios.This observation using calculation concern with the data in the form of financial report. Meanwhile, the analysis tool which is used in this observation is financial ratios which covers liquidity ratio, solvency ratio, and profitability ratio.Overall from 2014-2017 analysis which is done produces good enough ratio except cash ratio analysis. That gains the smallest ratios, because in analyzing it conceptually does not invoive credit accounts, where in this Saving and loan cooperative Syariah BMT UGT Sidogiri the greatest wealth is got from credit accounts in accordance with the type of cooperative business namely Saving and loan cooperative.
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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 branches. In order to derive the saving mobilization performance, five parameters have been identified for the purpose of comparison between two branches. The purpose of this study is to verify whether or not any of these parameters are better between Arrerty and Deneba branch in terms of creating demand and awareness, optimizing supportive factors to access saving, overcoming of constraint factors of access voluntary saving, to evaluate saving performance and loan to saving ratio. The inferential analysis is deployed by resorting to paired sample t test in order to compare these parameters between the two branches. The findings of the study reveal that the Arrerty branch is better in saving mobilization performance than Deneba branch in terms of creating demand and awareness of saving mobilization, in minimizing constraint factors to access saving, improvement of total saving performance and loan to saving ratio. Arrerty branch is not better than Deneba branch in optimizing supportive factors to access saving. Thus the study concludes that the overall saving mobilization performance in Arrerty branch is better than Deneba branch of ACSI, North Shoa Zone, Ethiopia.
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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 Kupang City Branch of the Swasti Sari Savings and Loan Cooperative were caused by the inability of cooperative members to pay off their obligations so that the cooperative's receivables became difficult to collect and had an impact on the cooperative's financial performance as measured by the liquidity ratio from 2019 to 2023 which decreased because the cooperative's cash decreased and its receivables increased, the Solvency Ratio indicates an increase in risk due to increased debt without balanced asset growth. The Profitability Ratio shows a decrease in net income which affects the operational sustainability of the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative. The results of this study provide recommendations for the Kupang City Branch of the Swasti Sari Saving and Loan Cooperative in overcoming the risk of bad credit, namely taking a rescheduling, reconditioning, and restructuring approach, applying prudential principles, conducting regular monitoring and monitoring of financial performance and credit risk so that cooperatives can make quick and appropriate decisions to maintain financial stability and operational sustainability.
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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 in bad condition and Current ratio, in 2017 to 2019 shows that financial performance is in good condition. The solvency ratio measured using Debt to total Equity (DER) in 2017 to 2019 shows that financial performance is classified as in poor condition and Total debt to total asset ratio in 2017 to 2019 shows that financial performance is classified as in poor condition. not good. Profitability ratios measured using Return on Assets, 2017 to 2019 show that financial performance is in poor condition and Return on Equity (ROE) itself during 2017 to 2019 shows financial performance in unfavorable conditions according to 3 aspects of financial ratios for 2017-2019 declared unhealthy.
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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 Account Saving Accounts have an effect on Return on Assets. Meanwhile, the Loan to Deposit Ratio hasn’t significantly affected on Return on Assets.
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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 succeeded in becoming public companies, recording credit growth, managing the non-performing loan ratio, increasing the growth of third-party funds, especially for online savings products through the digital banking products offered, and increasing the profitability ratio. Objective of this research is to determine the effect of Loan disbursement, NPL and CASA (Current Account-Saving Account) Ratio on the Profitability of Digital Bank that listed on Indonesia Stock Exchange for the 2018-2024 research year. The population data used is go-public Digital Bank and the sample is Digital Banks that are included in the Bank Group category based on Core Capital 1 and 2. Secondary data that used in this research are quarterly and annual bank report which are available on websites of Indonesian Stock Exchange and Financial Services Authority.
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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, managerial and operational efficiency has statistically significant and positive effect on the financial sustainability of SACCOs, while average loan size has statistically significant but negative effect. Likewise, gross loan to asset ratio, managerial efficiency, and average loan size has statistically significant and positive effect on the profitability of SACCOs in Eastern Ethiopia. However, the portion of women borrowers and number of active borrowers has statistically significant but negative effect on the profitability of the SACCOs in the study area. Finally, the study suggests that increasing the number of borrowing clients and sales volume (loan portfolio) could benefit SACCOs in Eastern Ethiopia from economics of scale.
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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 analysis show that cash turnover has no effect on profitability, the load to deposit ratio has a positive and significant effect on profitability, and growth in the number of customers has no effect on profitability during the Covid-19 pandemic in savings and loan cooperatives throughout the Pedungan Village.
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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 carried out by the BMT Bina Tanjung Sharia Cooperative in Jember; (2) Knowing the Net Performing Loan (NPL) financing of Sharia Cooperative BMT Bina Tanjung in Jember. This study uses the analysis of Financing Effectiveness and Net Performing Loan Ratio (NPL). By using the purpose sample technique with 30 selected customer respondents, the results include; (a) The effectiveness of financing distribution at the BMT Bina Tanjung Sharia Cooperative in Jember resulted in an average disbursement of financing to customers in the January 2021 to December 2021 range of 105.5%. This means that if the achievement results are more than 100%, then the financing of the BMT Bina Tanjung Sharia Cooperative in Jember is in the Very Effective category, (b) The Net Performing Loan (NPL) calculation shows that the NPL ratio of financing in the BMT Bina Tanjung Jember Sharia Cooperative is above the Bank's ideal number. Indonesia is 5%, which is 7.3%, meaning that there are more bad loans than current loans.
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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 results of the analysis of the Financial statements of the CUM Anugerah Bekasi Savings and Loans cooperative using financial ratio analysis are less good. So it can be concluded that the financial performance of the Savings and Loans Cooperative CUM Anugerah Bekasi. Research, Practical & Social implications: This study confirms the need for the ability to process a savings and loan system in cooperatives. Because employees who have quality in managing cooperatives will greatly influence the progress of cooperatives. Originality/value: Sustainability of short-term savings and loans Cooperatives must be fulfilled on time. because if there is an increase in congestion, the cooperative will produce less profit.
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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 research show that the NPL and LDR ratios have a negative effect on ROA, while the BOPO, NIM, and CASA ratios have a positive effect on ROA.
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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) Tbk dengan perhitungan rasio likuiditas (Quick Ratio) dikategorikan kurang sehat, (Loan to Assets Ratio) dikategorikan sehat, (Loan to Deposit Ratio, dan Cash Ratio) dikategorikan dalam keadaan cukup sehat. Perhitungan rasio solvabilitas (Debt to Assets Ratio dan Debt to Equity Ratio) dikategorikan tidak sehat. Perhitungan rasio profitabilitas (Net Profit Margin, Return on Assets, dan Return on Equity) dikategorikan cukup sehat dan untuk BOPO PT. Bank Tabungan Negara (Persero) Tbk dikategorikan sangat sehat.Kata Kunci : Kinerja Keuangan, Rasio Likuiditas, Rasio Solvabilitas, Rasio ProfitabilitasAbstract: This study aims to determine the financial performance of PT. State Savings Bank (Persero) Tbk Period 2016-2020 by using the ratio of liquidity, solvency, and profitability. The population in this study is the entire annual financial report (annual report) with samples in the form of a balance sheet and income statement PT. State Savings Bank (Persero) Tbk, for the last five years (2016-2020). The data collection technique was carried out with documentation techniques. The results of this study indicate that in 2016-2020 the financial performance of PT. The State Savings Bank (Persero) Tbk with the calculation of the liquidity ratio (Quick Ratio) is categorized as unhealthy, (Loan to Assets Ratio) is categorized as healthy, (Loan to Deposit Ratio, and Cash Ratio) is categorized in quite healthy condition. The calculation of the solvency ratio (Debt to Assets Ratio and Debt to Equity Ratio) is categorized as unhealthy. The calculation of profitability ratios (Net Profit Margin, Return on Assets, and Return on Equity) is categorized as quite healthy and for BOPO PT. The State Savings Bank (Persero) Tbk is categorized as very healthy.Keywords: Financial Performance, Liquidity Ratio, Solvency Ratio, Profitability Ratio
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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 loans and capital adequacy ratio have a positive affect with profitability. On the other hand, growth in customers and non-performing loan do not affect profitability. It is suggested to add other variables such as BOPO (Operating Expenses to Operating Income), LDR (Loans to Deposit Ratio), or asset growth.
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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 analyzes the impact of savings, loan interest rates, property sector NPLs, and the number of housing loans before and after a LTV policy revision. The data analysis used the Paired t-test, Wilcoxon signed-rank test, and multiple linear regression. The study results showed that there were differences between savings, loan interest rates, property sector NPLs, and the number of mortgages before and after a LTV policy change. Savings and NPLs in the property sector have no impact on the demand for housing loans while loan interest rates and LTV policy significantly affect the demand for housing loans.
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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, Indragiri Hulu Regency, especially in the financial sector.This study aims to test and analyze financial performance using financial ratio analysis methods: (1) Liquidity Ratio which is calculated based on Current Ratio and Quick Ratio, (2) Solvency ratio calculated based on Debt to Equity Ratio and Debt to Total Assets Ratio, (3) Profitability Ratio calculated based on the Net Rate of Return On Investment and Return On Equity. The object used in this study is financial performance in the form of a Balance Sheet and Profit and Loss Statement of KSP KP-RI Kopeka, Indragiri Hulu Regency for the period 2016 to 2020. The data used is secondary data. The data analysis method used was quantitative descriptive analysis technique, which is an analysis that describes by calculating the ratios in the financial statements using certain formulas.The results showed that the financial performance of the Savings and Loans Cooperative (KSP) KP-RI Kopeka, Indragiri Hulu Regency was in poor condition, both from the ratio of liquidity, solvency and profitability. This situation is illustrated by the condition of current assets that have not been able to meet current liabilities. And their own capital and total assets have not been able to meet the total debt. And Cooperatives have not been able to generate the remaining operating results from their own capital and total assets used.
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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 P2P loan recipients and the amount of P2P loan disbursement. This is because fintech offers greater benefits than traditional banks, such as convenience, time-saving, more access to financial products, and better security measures. The limited amount of available data and the number of provinces available become the limitation of the study to obtain optimum results.
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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 their level of financial health performance with Risk-based Bank Rating (RBBR) approach. RBBR examines NonPerforming Loan Ratio (NPL), Loan to Deposit Ratio (LDR), Current Account and Saving Account Ratio (CASA), Return on Asset (ROA), and Capital Adequacy Ratio (CAR). The result shows that those banks have a good financial performance which can be categorized into an ideal and very healthy condition. The finding results will be useful for students to deepen understanding about financial ratio and for bankers to analyze and make a strategy to improve the performance.
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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 variables at the study period. The data were processed using panel data regression, using Fixed Effect Model. This research finds that, GDP Growth, CAR, and CASA were not proven to have a significant impact on NPL. However, inflation, central bank interest rates, and loan growth were found to have a negative impact on NPL. This study contributes primarily to monetary authorities in the ASEAN region.
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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 effectiveness of repayment of loan funds for the Women's Savings and Loans (SPP) group in this region has decreased in the last 4 years, where the number of revolving loan funds has increased but along with the increase in the collectibility of members of the SPP group. This illustrates that the loan funds given to the SPP group in this area tend to have not been able to be managed properly so that UPK assistance is still needed.
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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 as: ROA (Return On Asset), ROE (Return On Equity), NIM (Net Interest Margin), and BOPO (Operational Cost). To find out the ROA (Return On Asset) ratio, net income after tax and income is required. As for calculating ROE (Return On Equity) ratio required net income after interest and taxes and capital. And for NIM (Net Interest Margin) ratio required total net profit after tax and income, while BOPO (Operational Cost) required operational and operational income. Analysis of financial statements is very important to do because at this stage the financial statements that have been calculated on the ratio already described, the ratio results obtained by PT. Bank BTN (Bank Tabungan Negara) may be decided to comply with the provisions of the BI standard provisions.</em>
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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 regression analysis. The research results show that the capital adequacy ratio and efficiency ratio have a negative effect on profitability. On the other hand, non-performing loans and the loan-to-deposit ratio positively affect company profits. Furthermore, green banking disclosure has a negative and significant effect on profitability. Implementing Green Banking can cause a decrease in profitability due to additional costs associated with its implementation. This research provides additional literature related to the implementation of green banking in Indonesia.
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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 loan to other sectors all exerted significant negative impact on formal agricultural credit supply in Nigeria. Surprisingly, lending rate carried the expected negative sign but fail to explain the variation in formal agricultural credit supply during the period under investigation. The study advocated for appropriate short and long-run financial policies that would reduce the volume of loan given to other sector. This can be achieved by making agriculture a priority sector in financial Institution’s loan disbursement and funding schedule. If possible, the mandatory Commercial bank sectoral credit allocation to agriculture should be increased and adequate monitoring carried out to ensure that bank’s disbursement targets are met in line with CBN’s prescribed conditions. Also, policies that would reduce the loan to deposit ratio of banks should be pursued. Such policies should be directed towards increasing the interest rate on savings deposit. This would increase the volume of bank deposit and savings which would, invariably, enhanced their liquidity position
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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), Non Performing Loan (NPL), Net Interest Margin (NIM),Loan to Deposit Ratio (LDR), and BOPO through Return On Asset (ROA) of publicbanking listed at Indonesian Stok Exchange during 2011-2012.Research using purposive sampling method for taking samples. Data obtained onthe basis of publication Annual Bank, obtained 5 samples of General Bank. Samplesused in this research are public banking listed at Indonesian Stock Exchange onperiod 2011-2012. Analysis technique used is multiple linear regression analysis. The results of this research found that Capital Adequacy Ratio (CAR) andLoan to Deposit Ratio (LDR) hasn’t significant positive effect to Return On Asset(ROA), Non Performing Loan (NPL) hasn’t significant negative effect to ReturnAsset (ROA), Net Interest Margin (NIM) has significant positive effect to Return OnAsset (ROA), and BOPO has significant negative effect to Return On Asset (ROA).
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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 growth, loan to-assets ratio, and liquidity, are positively connected to bank loans with statistical significance, while macroeconomic factors, i.e., gross national income growth, inflation, gross domestic savings, and unemployment, are also positively related to bank loans with statistical significance. However, the cost-to-income and non-performing loan ratios have negative connections with bank loans. Novelty/Originality – Few studies have delved into the subject of loan growth in Bangladesh. This study has revealed both the influencing factors that can induce loan growth. Implications – The policymakers will be able to get insight from the study to set priorities on the issues that have positive and negative impacts on loan growth and the overall stability of the banking industry.
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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 period.Results of the auto-regressive distributed lag (ARDL) technique show thatrevealed interest rate, liquidity rate and private sector credit have negative and significant effect on the per capita income while savings deposit rate, monetary policy rate, loan deposit rate and inflationhvesa positive and significant on per capita income. In the long run liquidity ratio and monetary policy rate have significant positive effect on income per capita while the ratio of private sector credit to GDP has a significant negative effect on it. Inflation has a positive but insignificant effect on per capita income. Furthermore, in the short run, all the selected monetary policy variables have significant effects on child mortality rate. While the effect of interest rate, liquidity ratio and monetary policy rate is negative, that of savings deposit rate, loan deposit ratio, private sector credit and inflation is positive. On the long run, interest rate, private sector credit and inflation have positive effect on child mortality but whereas the effect of interest rate is insignificant, the other two have significant effect. Regarding number of school enrolment, in the short run, interest rate has a negatively significant effect while liquidity ratio, loan deposit ratio and inflation have direct positive effect on it. Savings deposit rate has an insignificant positive effect on it while private sector credit has a negative insignificant effect on it. On the long run, interest rate, private sector credit and inflation have an insignificant positive effect on the number of primary and secondary school enrolment. Savings deposit rate, monetary policy rate and loan deposit ratio have insignificant negative effect on it. The effect of liquidity ratio is significantly positive. The study concluded that monetary policy has significant effect the socio-economic welfare life of Nigerians both in the short and long run. The study recommends the sustenance of the existing liquidity ratio and monetary policy rate due to their favourable effects on the people’s welfare.
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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. Then it can be seen from the results of LDR measurements that the form of distribution of CAR and NPL has a significant value to LDR. And then, for the measurement of ROA and inflation, it has no significant value to the LDR. Factors that influence the rise and fall of LDR may be due to the internal and external conditions of banking companies. Internal conditions can be reflected in the bank's financial indicators. The key indicators used in this study are CAR, ROA, NPL.
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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 development reaching 3.12%, so it can be said that the profitability ratio of own capital in the Purnama Loan and Loan cooperative is quite good in terms of these indicators. While the economic profitability ratio in 2018 was 13.98%, this number increased in 2019 by 15.68% (up 1.7%) and in 2020, it reached 18.26%. This means that it has increased by an average of 15.97% per year during 2018-2020, with an average development rate of 2.14% per year. Thus the economic profitability ratio of the Purnama savings and loan cooperatives can be said to be quite good in terms of these indicators.
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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 results of research by KSP CU Bina Seroja, it has actually made products both deposits and loans that vary to be able to attract the interest of its members. However, the number of loans disbursed in the last 5 (five) years has never reached more than 50%, even the last two years it was only 47% and dropped to 42%. The results of the respondents in choosing CU were the use of technology in serving members (33%), good communication (29%), and ease of obtaining loans (26%). Non-stock deposits collected from members reached an ideal ratio of 72%
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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 shares owned by parishes significantly influenced bank’s financial performance (p>0.05). The study recommends that Uchumi Commercial Bank should continue influencing non-church members’ to become members hence increasing the performance of the bank in terms of shares, capital and membership.
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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 150.53% to (-7238), active loan 40.26 to (-7.94), and saving 22.87 to 3.91 between 2020/2021 to 2022/2023. Similarly, the Overdue member change ratio increased upto 53.66%, the passive loan from 79.47% to 104.3%, and the NPL increased continuously from 2.56% to 5.52%. So, all microfinance institutions are in a critical situation in Nepal. However, microfinance is an important concept to reduce poverty and unemployment. Further, it enhances easy access to financial institutions in rural where large banking institutions are merely available. However, microfinance in Nepal is facing critical challenges as many fraud cases are emerging. The policy implication is crucial as policymakers should formulate both long-term and short-term policies and implement those policies immediately in microfinance to revive the critical current situation.
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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 and therefore positive impact on loan disbursement and recovery rate is observed.
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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 the efforts banks should make to handle problem loans. This type of research is empirical legal research because it examines the considerations for issuing macroprudential policies regarding loan to value relaxation on property loans and the efforts banks should make to handle problem loans. PT. State Savings Bank (Persero) Tbk. Applying a maximum limit differs from Bank Indonesia Regulations because banking upholds the principle of prudence.
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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-ordinary performance of the East Asian economies. While there have been brief periods of significant inflow of external financial resources to some developing countries in the past, foreign savings cannot be expected to provide a sustainable basis for financing domestic investment. Raising' national saving rate is particularly essential to developing countries with a heavy debt service burden and limited capacity to obtain loans in foreign capital markets. The 1995 Mexican crisis showed, among other things, that low domestic savings can raise the probability of sudden capital outflows, and sharpen their negative consequences. In a financially integrated world, high national/domestic savings contribute to macro economic stability which is itself a powerful growth factor. Indeed, any macro economic adjustment programmes oriented to the resumption of long-run growth invariably emphasise the need to expand domestic savings.
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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 observation techniques as data collection techniques. In this study, we used a non-performing loan (NPL) financial ratio calculator as a data analysis technique. From this study, it was concluded that the highest NPL ratio occurred in 2016 at 3.96% and the lowest NPL ratio occurred in 2019 at 2.39%. The average NPL for the 5 years starting from 2016-2020, which is 3.17%, is in the healthy predicate.
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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 positive impact on savings, while increases in public savings indicate a crowding out effect. The inflation rate implies precautionary savings, and dependency ratio savings for bequest. There are also implications for governing institutions deciding on the implementation of appropriate fiscal and monetary operations.
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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 has a negative and significant effect on profitability, while CAR, NPL, and CASA have no significant effect on profitability.
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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 of deposits, and demand deposit ratio had a significant direct impact on financial sustainability. The fixed effect regression result for interest rate spread showed that an inverse relationship existed between the interest rate spread and financial sustainability. Furthermore, according to our robust fixed effect regression results, among the control variables, the age of the institution and inflation rate affects financial sustainability. Contrary to our expectations, the number of members and the percentage of woman members were not significant. This may be attributed to the fact that some members were inactive for a long period. We suggest that RUSACCOs should focus on deposit mobilization specifically on demand deposits and keep the interest rate spread narrower to ensure their sustainability.
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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) LDR tidak berpengaruh terhadap laba bersih perusahaan perbankan yang terdaftar di BEI periode 2016-2020 dan (3) NPL berpengaruh negatif terhadap laba bersih perusahaan perbankan yang terdaftar di BEI periode 2016-2020. Penelitian ini diharapkan dapat membuka wawasan kepada investor terkait analisis fundamental perusahaan perbankan yang dapat dijadikan pertimbangan dalam berinvestasi.
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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 of NPAs in the northern and central regions of the country. SHGs with lower outstanding loans and lower savings are more likely to default, the relationship being stronger in states with higher NPAs. The article finds that states with higher SHGs densities, per capita incomes, and road and railway connectivity, and lower infant mortality rates have lower NPAs in their SHGs. SHGs with lower savings and higher NPAs operating in states with lower per capita incomes and banking penetration face difficulties accessing fresh credits. JEL Codes: G21, O18, R51
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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 different energy saving rate: North < South< East <West.
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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 centers, we formulate the SD-DCN energy consumption optimization problem as an Integer Linear Programming model. To achieve a high success rate for traffic transmission, we propose three flow scheduling strategies. On this foundation, we propose a strategy-based Minimum Energy Consumption (MEC) heuristic algorithm to ensure the QoS satisfaction ratio in the process of energy optimization. The results show that our algorithm can save energy efficiently under the conditions of low traffic load and medium traffic load. Under high traffic load, our algorithm can achieve better network performance than existing solutions in terms of quality of service satisfaction ratio of flow allocation.
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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-conditioning load before and after the set temperature rise of 1&deg;C presenting monthly and annual cooling consumption. We then explored the energy-saving effect and difference in the mechanism of air conditioning with increasing indoor temperature set-point. The results showed that, provided that the temperature set-point is increased by 1&deg;C under the same climatic conditions, the worse the thermal performance of the envelope, the higher the annual air-conditioning energy and the higher the annual energy-saving rate of air conditioning, which indicates that the behavioral energy-saving guidance for the groups with the poor performance of the older envelope has more immediate effects. The hourly load reduction of different envelopes at the outdoor temperature between 26&deg;C and 27&deg;C constitutes the behavioral energy-saving effect, which is the main contribution of air-conditioning energy saving (58 &ndash; 79%), while the energy-saving effect contribution of temperature difference reduction is secondary. The newer the construction age, the better the performance of the envelope, the smaller the hourly load reduction amount of the building, and the smaller the relative energy-saving rate, but its energy-saving behavior in the total energy saving ratio is greater, and the contribution of the energy-saving behavior is greater. The results of this study can provide a reference for guiding occupant energy-saving behavior and standard formulation.
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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 solar utilisation was 47.93%. Implementation of such systems on households may reduce the load from the utility company, bring about huge savings on electricity bills and help in reducing carbon emissions.
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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 hand demand for the loan is increasing. There are several regulations and limit for the granting loans out of collected deposits. Hence it will be the biggest challenge before banking sector to operate smoothly in future. When we consider cooperative bank sector it is run on cooperation basis. Cooperative banks deal with its member on priority. As per the RBI data the cooperative banks network is more strengthen in rural areas compare to commercial banks. People belongs to rural area still have a trust on cooperative banks. So there is hidden opportunity for the cooperative bank to take the advantage of increasing demand of loans. As the Credit-Deposit Ratio of cooperative banks lies between 60 to 70 percent where as scheduled banks was 80 percent. It shows that the cooperative banks have more deposits which can catch excess demand of credit.
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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 windows is, the more beneficial for energy saving of the buildings. The window-wall ratio has great effect on the energy consumption, and different heat-transfer coefficients possess various sensitivity for window-wall ratio, and reflective glass varis smaller than the others.It is better for energy saving to replace the conventional windows with plastic-steel reflective glass windows.
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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 collection techniques, the type of data used in the form of primary data and secondary data.Based on the results of data processing by the author, it is known that there are three conclusions. The First. of the results of the liquidity ratio LDR decline in 2014 due to an increase of 1.66% higher than the savings credit, and an increase back in 2015 of 3.52% for loans greater than the savings. Second, the results of the solvency ratio increased in 2014 compared to 2013 of 2.66% is due to an increase of capital by the end of 2013. And a decline back in 2015 of 2.07% is due to the decline in capital activities over the previous year. Third, the results of Profitability ratios using ROA calculation decreased by 0.08% in 2014 and decreased by 0.09% return this happens because the increase in net income is followed by an increase in the number of significant assets annually. While using the ROE also decreased by 0.75% in 2014 and decreased by 0.12% return is due to the growth of the share capital. And calculations using the NIM in 2014 increased by 0.07% due to significant asset growth, but a decline back in 2015 by 0.29% due to an increase in interest rates as a result of the BI rate.Can be seen from the calculation of financial ratios and earnings at PT Bank Tabungan Negara (Persero) Tbk showed good conditions and positive, although LDR exceed the provisions of Bank Indonesia, is because BTN is a bank loan portfolio for the long term.
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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 controlling all cooperative activities. The process of electing the chairman of the Padre Pio Parish Savings and Loans Association cooperative is still being carried out only by pointing to and mentioning someone's name from among the names of the management and then conveying it to members to approve. The determination of the chairman which is carried out using the arbitrary model is not in accordance with the terms and criteria of an optimal cooperative chairman because the elected chairman is not necessarily the most competent of the candidates and often happens just because of friendship so the results are not objective. With the reasons described, the researcher applied the MOORA method. The application of the MOORA method to the election of the chairman of the Padre Pio Helvetia Medan Parish Independent Savings and Loans cooperative can help determine a more objective chairman based on terms and criteria by solving problems through complex mathematical calculations, determining the weight value for each attribute, then proceed with the ranking process which will select the alternative that has been given. In this study the criteria determined consisted of background and educational level, certificate ownership, age, and length of time being a member. In the objective approach, the weight value is calculated mathematically so that it ignores the subjectivity of the decision maker. With the application of the MOORA method, several alternatives that meet the requirements and criteria can be determined which is the best to serve as chairman. The best ranking results are those who are most worthy of being the head of a more objective cooperative.
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Yan, Hai Xian. "Simulation Analysis of a Printing Factory Energy Saving." Advanced Materials Research 962-965 (June 2014): 1559–62. http://dx.doi.org/10.4028/www.scientific.net/amr.962-965.1559.
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We simulates the thermal load of Shanxi Xinhua Printing Factory by using the software of DeST. Through choosing different parameters, it obtained that roofing materials have a great impact on the whole heat load system, wall window ratio and wall materials is very small. The result is of great significance to the construction of energy-efficient design of new plant.