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Journal articles on the topic 'Savings and credit system'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Kandia, Dennis Ireri, Prof Abraham Idowu, and Mr Tumaini Lisso. "INVESTIGATION OF EFFECTIVENESS OF INFORMATION TECHNOLOGY ON THE OPERATIONS OF THE SAVINGS AND CREDIT COOPERATIVE SOCIETIES IN NAIROBI, KENYA." International Journal of Finance and Accounting 2, no. 4 (2017): 84. http://dx.doi.org/10.47604/ijfa.368.

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Purpose: To investigate the effectiveness of information technology on the operations of SACCO’s within Nairobi.Methodology: The study utilized a descriptive survey research design.Findings: Results revealed that effectiveness of ATM system influenced the operations of savings and credit cooperative societies. Results also revealed that effectiveness of asset loan management system influenced the operations of savings and credit cooperative societies. Results also revealed that effectiveness of liability/saving management system influenced the operations of savings and credit cooperative socie

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Pane, Eddis Syahputra. "Save And Loan Credit Information System Based On Web." Journal of Applied Engineering and Technological Science (JAETS) 2, no. 1 (2020): 14–20. http://dx.doi.org/10.37385/jaets.v2i1.166.

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Pancuran Hidup Credit Union is a cooperative engaged in a savings and loan business that provides loans for its members. In its development often encountered an error due to lack of accuracy of employees in processing data processing transactions and savings and loans that still use the manual system that is using Microsoft office (Microsoft word and Microsoft Excel). This manual system is less effective because the savings and loan transactions that occur are higher so that the calculation is even more numerous, and therefore requires an information system. The purpose of this research is to

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Anugerah Bu’tu Rongrean, Dwibin Kannapadang, and Ade Lisa Matasik. "Analisis Sistem Dan Prosedur Pemberian Kredit Di Koperasi Simpan Pinjam Balo’ta Cabang Rinding Allo." Jurnal Ekonomi Bisnis dan Akuntansi 3, no. 3 (2023): 103–11. http://dx.doi.org/10.55606/jebaku.v3i3.2855.

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This research is a qualitative research. This research discusses the analysis of the process and procedures for granting credit at the Balo'ta Savings and Loans Cooperative, Rinding Allo Branch. The purpose of this research is to determine the system and procedures for providing credit at the Balo'ta Savings and Loans Cooperative. The data collection procedures used were observation, interviews and documentation. The data analysis techniques used are data collection, data reduction, data presentation and conclusions. The result of this research is that the credit granting system at the Balo'ta

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Martínez Sánchez, José Francisco, and Gilberto Pérez Lechuga. "Assessment of a credit scoring system for popular bank savings and credit." Contaduría y Administración 61, no. 2 (2016): 391–417. http://dx.doi.org/10.1016/j.cya.2015.11.004.

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Hayat, Abdul, Euis Sitinur Aisyah, and Serly Ovtavia Ningrum. "SISTEM INFORMASI SIMPAN PINJAM KOPERASI PEGAWAI PADA SMK YUPPENTEK 1 TANGERANG." Journal CERITA 1, no. 1 (2015): 86–93. http://dx.doi.org/10.33050/cerita.v1i1.203.

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Management of credit unions in SMK Yuppentek 1 Tangerang, still using the book and Microsoft Excel. This method is less effective for transactions occurring savings and loans so that the higher the count is also growing.besides activities of saving and borrowing data backup process is not automatically and inadequate storage placeso that the accumulation of papers.Given these problems, it needs to use cooperative savings andloan applications that can assist in the process of data processing and accounting of savings and loans. The research method used in this research literature, interviews, o

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BARAKA CIHIRE, Bellytran, and Judith NABINTU MITIMA. "Effect Of A La Carte Savings On The Socio-Economic Conditions Of Members Of The Nyantende Savings And Credit Cooperative." Cahiers du cedimes 18, no. 4 (2023): 47–65. https://doi.org/10.69611/cahiers18-4-03.

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This work aims to analyse the effect of the savings system on the socio-economic conditions of Nyantende Cooperative’s members. Through a survey we conducted with 94 members with small savings amount, this system of saving contributed to the improvement of the socio-economic conditions of Nyantende Cooperative’s members.

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Ouko, Jeridah Kerubo, and Gerald Atheru. "Internal Control System and Financial Performance of Deposit Taking Savings and Credit Co-Operative Societies in Makueni County, Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 4, no. 1 (2022): 1–21. http://dx.doi.org/10.35942/ijcfa.v4i1.224.

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Positive financial performance can be attained by eradicating misuse of funds through internal audits. Inadequate controls have also resulted in management and external auditors colluding, resulting in firms failing to meet their goals. Financial performance of DT-Sacco’s in Makueni County is plagued by severe deficiency in internal financial control due to continued lending of more than the deposits, which consequently destroy their liquidity. Majority of the Sacco’s are pushed to lend from the external sources so that they counter the shortfall that may arise. This study sought to investigat

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Bagus Kusuma Wijaya, I Gede Iwan Sudipa, Rachmat, I Komang Wiratama, and Ni Made Chintya Sasri. "SISTEM PENENTUAN KEPUTUSAN KELAYAKAN PENERIMA KREDIT MENGGUNAKAN METODE ROC - SAW." Jurnal ilmiah Sistem Informasi dan Ilmu Komputer 2, no. 2 (2022): 16–29. http://dx.doi.org/10.55606/juisik.v2i2.167.

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The Bali Mandiri Cooperative is a cooperative that operates in the savings and loan sector. Data processing of savings and loan activities submitted in credit applications is still done manually so that the credit department must make the right decisions, especially if there are doubts in determining decisions for prospective borrowers, where the doubts are because the criteria for prospective borrowers are almost the same, this is having an impact on the company if the wrong decision occurs in the event of bad credit. The decision support system using Rank Order Centroid (ROC) calculations an

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Sunarmi Sunarmi. "PKM IMPLEMENTASI SIMPAN PINJAM PADA BANK PERKRIDITAN RAKYAT BERBASIS CLIENT SERVER." JURNAL PENGABDIAN MASYARAKAT INDONESIA 1, no. 1 (2022): 22–33. http://dx.doi.org/10.55606/jpmi.v1i1.76.

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Bima Credit and Savings Cooperative Credit Union is a financial institution that provides transaction services to store and borrow money to its members. Bima Savings and Loan Cooperative needs to have an information system to facilitate data processing, carry out tasks appropriately, and minimize errors in recording transactions and financial calculations. To meet the above needs, it is necessary to design a savings and loan information system. The system development method used is SDLC (System Development Life Cycle) which stands for several stages, namely the planning stage, the analysis pha

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Abdul Kara, Katon. "ANALISA PERANCANGAN SIMPAN PINJAM PADA BANK PERKRIDITAN RAKYAT BERBASIS CLIENT SERVER." Jurnal Pengabdian Pada Masyarakat Indonesia 1, no. 1 (2022): 31–41. http://dx.doi.org/10.55542/jppmi.v1i1.178.

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Bima Credit and Savings Cooperative Credit Union is a financial institution that provides transaction services to store and borrow money to its members. Bima Savings and Loan Cooperative needs to have an information system to facilitate data processing, carry out tasks appropriately, and minimize errors in recording transactions and financial calculations. To meet the above needs, it is necessary to design a savings and loan information system. The system development method used is SDLC (System Development Life Cycle) which stands for several stages, namely the planning stage, the analysis pha

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Ian, Mwila, and Engr Dr Kasongo Mwale Richard. "The Challenges of Savings on Credit Unions in Creating Wealth: A Case Study of Zambia Army Savings and Credit Union." International Journal of Finance 5, no. 1 (2020): 14. http://dx.doi.org/10.47941/ijf.417.

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Purpose: The aim of this study was to identify the challenges of savings on Zambia Army Savings and Credit Unions in creating wealth and recommend possible solutions.Methodology: The study used mixed research methods to collect qualitative and quantitative data, as both could not give the satisfactory results due to weaknesses in each method. Eighty (80) respondents were sampled of which seventy were sampled from members of ZASCU in survey questionnaire and the other ten (10) were for in-depth interview from management. Top management of six (6) respondents and four (4) respondents from operat

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Mędrzecka, Joanna. "Rola orzecznictwa Trybunału Konstytucyjnego w kształtowaniu ram prawnych działalności spółdzielczych kas oszczędnościowo- -kredytowych." PRAWO i WIĘŹ, no. 43 (January 25, 2023): 187–98. https://doi.org/10.36128/priw.vi43.623.

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The paper reflects on the jurisprudence of the Polish Constitutional Tribunal, regarding cooperative savings and credit unions, and its legal effects. Four such rulings have been issued until now. The first decision K 53/07 of 24th March 2009 concerned provision of Article 15 of Financial Support for the Families in Obtaining Their First Apartment, amending an Old Cooperative Savings and Credit Unions Act of 1995, the second decision Kp 10/09 of 12th January 2012 concerned Articles 17 and 91 of the New Cooperative Savings and Credit Unions Act of 2009; the third U 2/12 of 18th February 2014 co

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Asrori, Khasan, Darpi Darpi, and Sawitri Nurhayati. "PENGEMBANGAN SISTEM INFORMASI SIMPAN PINJAM PADA KOPERASI WREDATAMA KRAKATAU STEEL (KOPWEKAS)." Journal of Innovation And Future Technology (IFTECH) 4, no. 1 (2022): 57–66. http://dx.doi.org/10.47080/iftech.v4i1.1715.

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The main activity of cooperatives is to carry out savings and loan transactions for cooperative members only. Every transaction carried out at the Wredatama Krakatau Steel Cooperative (Kopwekas) already uses a database-based application that only requires a few problems including data collection on deposits, credit data collection, and payment processing as well as arrears of cooperative members. It is necessary to develop a savings and loan information system. The methodology used in the design of this information system is the Waterfall Method. This system is designed using the concepts of U

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Priono, Joko, and Fitri Latifah. "Penerpan Metode Waterfall Pada Perancangan Sistem Informasi Koperasi Simpan Pinjam Berbasis Web Menggunakan Php Dan MySQL." Journal of Information System, Informatics and Computing 8, no. 2 (2024): 243. https://doi.org/10.52362/jisicom.v8i2.1661.

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Credit Unions aim to collectively meet the economic needs of members based on Credit Union principles. KSP CU SAN-YOS MITRA SEJATI, as one of the credit unions that adhere to these principles, also provides savings and loan services. Currently, management and registration at KSP CU SAN-YOS MITRA SEJATI is still done manually by registering in books and using Microsoft. Excel. Additionally, submitted reports are often late. To overcome this problem, KSP CU SAN-YOS MITRA Credit Union needs an information system that should make it easier for directors, supervisors and management to manage KSP CU

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Onyina, P. A. Onyina. "The financial mechanism for the poor: Evidence from Ghana." Pentvars Business Journal 6, no. 1 (2012): 53–64. http://dx.doi.org/10.62868/pbj.v6i1.96.

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Traditionally, it is assumed without empirical evidence, that poor people are too poor to save hence hove been ignored by formal financial institutions. However, there exists a body of evidence showing the saving powers of the poor when given the chance. This paper presents some of the financial instruments used by poor people and gives brief discussions on the types of savings tools poor people use. These tools, the Rotating Saving Credit Associations (ROSCAs) and the Susu system, are traced to their historical roots. We then use data to show that clients of a microfinance institution activel

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Jarot, Jarot Dian Susatyono. "Sistem Pendukung Keputusan Pemberian Kredit Kepada Kreditur Dengan Metode SAW Berbasis Web." E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis 13, no. 1 (2020): 102–5. http://dx.doi.org/10.51903/e-bisnis.v13i1.200.

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BPR ARTA MAKMUR is a company engaged in Banking and Rural Credit which of course already has many customers. In the process of working, BPR Arta Makmur has served Savings and Credit Savings for the people. In recent times the process of applying for Credit Loans for people who do not have a business has increased, and the company has become quite inconvenient in processing loan applications submitted by prospective BPR customers because they have to select one by one based on the requirements set by the company. With so many credit applicants entering the credit department, it makes the credit

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بن حمو, أمينة, and جمال عبد الناصر بوثلجة. "The Impact of Banking System Variables on Economic Growth in Algeria: An Empirical Study During the Period (2000-2019) Using the ARDL Model." Finance and Business Economies Review 5, no. 3 (2021): 25–44. http://dx.doi.org/10.58205/fber.v5i3.1042.

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This study aims to know the relationship that exists between the variables of the banking system represented in the broad money supply, gross domestic saving, domestic credit provided to the private sector, investment, inflation, trade openness, on economic growth represented in the per capita share of GDP using the self-regression model. For ARDL time gaps for quarterly data during the time period (2000-2019), where the results showed the response of both the broad money supply and trade openness to economic growth, the negativity of both total savings and investment, and the insensitivity of

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Fleischman, Tomaž, Paolo Dini, and Giuseppe Littera. "Liquidity-Saving through Obligation-Clearing and Mutual Credit: An Effective Monetary Innovation for SMEs in Times of Crisis." Journal of Risk and Financial Management 13, no. 12 (2020): 295. http://dx.doi.org/10.3390/jrfm13120295.

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During financial crises, liquidity tends to become scarce, a problem that disproportionately affects small companies. This paper shows that obligation-clearing is a very effective liquidity-saving method for providing relief in the trade credit market and, therefore, on the supply-side or productive part of the economy. The paper also demonstrates that when used in conjunction with a complementary currency system such as mutual credit as a liquidity source the effectiveness of obligation-clearing can be doubled. Real data from the Sardex mutual credit system show a reduction of net internal de

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da Costa Tavares, Ofelia Cizela, Suyoto, and Pranowo. "Hybrid Method for Mobile learning Cooperative: Study of Timor Leste." E3S Web of Conferences 31 (2018): 10005. http://dx.doi.org/10.1051/e3sconf/20183110005.

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In the modern world today the decision support system is very useful to help in solving a problem, so this study discusses the learning process of savings and loan cooperatives in Timor Leste. The purpose of the observation is that the people of Timor Leste are still in the process of learning the use DSS for good saving and loan cooperative process. Based on existing research on the Timor Leste community on credit cooperatives, a mobile application will be built that will help the cooperative learning process in East Timorese society. The methods used for decision making are AHP (Analytical H

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Badiwibowo Atim, Sandi. "Sistem Pendukung Keputusan Pemberian Kredit Koperasi Simpan Pinjam Menggunakan Metode MARCOS dan Rank Order Centroid." Jurnal Ilmiah Informatika dan Ilmu Komputer (JIMA-ILKOM) 3, no. 1 (2024): 1–12. https://doi.org/10.58602/jima-ilkom.v3i1.22.

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Savings and loan cooperatives are an economic organization that aims to provide financial support to their members through savings and lending mechanisms. The problem experienced by XYZ savings and loan cooperatives is that no creditworthiness assessment system exists in the cooperative. The credit granting process is carried out by conducting a survey from survey officers through forms, submission requirements, and member business taxation formats to conduct committee meetings. This study aims to apply a decision model in lending to savings and loan cooperative customers by applying the MARCO

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Akhilesh Sharma. "An Analysis of India's New Generation of Private Sector Banks Credit Risk Management." TEST Engineering & Management 83 (March 12, 2020): 27626–39. http://dx.doi.org/10.52783/testmagzine.v83.14610.

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The financial and economic development of a nation may be sped up by instituting a sophisticated and solid financial system. The expansion of the financial system is a necessary prerequisite for economic development. Different markets, institutions like banks, instruments, services, and procedures that impact the production of savings, investment capital formation, and growth are the primary drivers of a country's economic development. Many financial instruments and effective mobilization of savings are two ways in which the Indian financial system boosts savings rates and total amounts. This

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Ardana, Wildan Muhammad, Irma Rofni Wulandari, Yuli Astuti, Lilis Dwi Farida, and Wiwi Widayani. "Implementasi Metode SMART (Simple Multi Attribute Rating Technique) Pada Sistem Pendukung Keputusan Pemberian Kredit Pinjaman." JURNAL MEDIA INFORMATIKA BUDIDARMA 6, no. 3 (2022): 1756. http://dx.doi.org/10.30865/mib.v6i3.4333.

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Koperasi Simpan Pinjam (KSP) Tamanmartani Sejahtera is an operational savings and loan cooperative that utilizes funds from members in the form of savings and then flows back to members in the form of credit or loans. KSP Tamanmartani Sejahtera's main problem is arrears or customer credit payment delays. If it is allowed to continue, it will make it difficult for cooperatives to develop. One way to reduce delays in credit payments is to select prospective customers selectively. When choosing prospective customers, managers often experience difficulty making credit request decisions. Managers m

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Udensi, Lawrence Okoronkwo, Mary Yuilowhama Ojong-Ejoh, Rose Utsubasha Abuokwen, and Isaac Ukaoma Udensi. "The Role of Informal Credit Groups (ICGs) on the Economy of Rural Areas in Cross River State, Nigeria." International Journal of Emerging Multidisciplinaries: Social Science 4, no. 1 (2025): 17. https://doi.org/10.54938/ijemdss.2025.04.1.364.

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This study explores the role of Informal Credit Groups (ICGs) on the economy of rural areas in Cross River State. The study employ the survey design to collect both quantitative and qualitative data from 567 respondents from 63 informal credit groups across various rural communities in Cross River State. Using frequency counts, mean ranking, percentages, standard deviation and ANOVA (Analysis of Variance) with Least Significant Difference (LSD) multiple comparison test to analyse data collected using questionnaire and interview schedule, among other findings, the study revealed that Informal C

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Juhar, Aisyah Salsabillah, Soedjono Soedjono, and Halimatus Sa’diyah. "Evaluasi Sistem dan Prosedur Pemberian Kredit pada Koperasi Wanita An - Nisa (Studi Kasus pada Koperasi Simpan Pinjam di Desa Sukorejo Kecamatan Karangbinangun Lamongan)." SUSTAINABLE 2, no. 2 (2022): 316. http://dx.doi.org/10.30651/stb.v2i2.15907.

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ABSTRACT The objectives of this study are to analyze the system and procedure for providing credit for the An-nisa Women's Savings and Loans Union, what requirements must be met by debtors to apply for credit loan at the An-nisa Women's Savings and Loans Union. The approach used is descriptive of the system and procedure for providing credit at the Annisa Women's Savings and Loans Union. Sources of data used from observations and documents used in running the credit system. The results is indicate that the systems and procedures in the Savings and Loans Union are still not in accordance with t

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Bethlendi, A. "Consumption and savings of Hungarian households. The importance of credit market." Acta Oeconomica 59, no. 1 (2009): 23–55. http://dx.doi.org/10.1556/aoecon.59.2009.1.2.

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Looking at almost forty years’ data the strong preference of consumption and housing investment to financial savings is an observable characteristic of Hungarian households’ long-term behaviour. This observation seems to be valid despite the substantial changes in the institutional system. Credit supply has played an important role in this. Households increase their consumption and housing expenditures by taking advantage of lending opportunities. The increased credit supply is coupled with a low financial savings rate. This in not unique in the European countries, however, it may lead to a ri

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Sharma, Hemlata, Aparna Andhalkar, Oluwaseun Ajao, and Bayode Ogunleye. "Analysing the Influence of Macroeconomic Factors on Credit Risk in the UK Banking Sector." Analytics 3, no. 1 (2024): 63–83. http://dx.doi.org/10.3390/analytics3010005.

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Macroeconomic factors have a critical impact on banking credit risk, which cannot be directly controlled by banks, and therefore, there is a need for an early credit risk warning system based on the macroeconomy. By comparing different predictive models (traditional statistical and machine learning algorithms), this study aims to examine the macroeconomic determinants’ impact on the UK banking credit risk and assess the most accurate credit risk estimate using predictive analytics. This study found that the variance-based multi-split decision tree algorithm is the most precise predictive model

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Eyvazlı, Hüseyn. "PAYMENT METHODS IN THE CREDIT MARKET IN THE MODERN PERIOD." Labor and social relations 20, no. 2 (2023): 127–34. http://dx.doi.org/10.61764/lasr.2.2023.127-134.

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The article talks about the special role of credit in the banking system and the ways of its organization in the conditions of the market economy. Currently, a large amount of cash settlements and payments are made by enterprises, organizations and people all over the world through credit, and at the same time, it turns free money instruments, people’s savings and income into active working capital, many different loans, insurance, brokerage, investment, trusts, carries out consulting transfers and other operations. Although secondary to production, the credit system is always and largely pref

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Nurtiyasari, Devi Nurtiyasari, Angga Syahputra, and Rashif Hilmi. "The Application of Logistic Regression to Measure the Impact of Covid-19 Pandemic on Household Credit Financing." Quadratic: Journal of Innovation and Technology in Mathematics and Mathematics Education 1, no. 2 (2021): 80–87. http://dx.doi.org/10.14421/quadratic.2021.012-01.

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The spread of the Covid-19 outbreak has a direct impact on the economic sector. The impact of Covid-19 on the economic sector can be seen from Non-Performing Loans (NPL). Credit financing affects the Financial System Stability. Furthermore, households are the sector most affected by Covid-19, because household income is obtained from other sectors that are also affected by the spread of Covid-19. This impact can be seen in terms of income, savings/assets, and consumption. This study aims to analyze the impact of Covid-19 as measured by the variables of income, savings/assets, and consumption o

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Rao, Preethi, and Sharon Buteau. "Modelling credit and savings behaviour of chit fund participants." Gates Open Research 2 (May 4, 2018): 26. http://dx.doi.org/10.12688/gatesopenres.12767.1.

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Chit funds are a form of Rotating Saving and Credit Association (ROSCA) prevalent in India. In this institution, a group of individuals pool in equal amounts of money at a fixed frequency, and at every time period a round of competitive bidding takes place among the individuals to identify a borrower for the collected amount. The borrower foregoes his/her right to participate in further auctions, but continues paying his/her share of the pool till every individual in the group has collected the pooled amount. The auction process relies on the bidders’ willingness to give up a certain amount of

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Sudipa, I. Gede Iwan, and Ni Made Sudiani. "Sistem Pendukung Keputusan Menggunakan Metode Profile Matching Untuk Penentuan Pemberian Kredit (Studi Kasus: KSP Werdhi Mekar Sari Sedana)." Jurnal Sistem Informasi dan Komputer Terapan Indonesia (JSIKTI) 1, no. 3 (2019): 109–18. http://dx.doi.org/10.33173/jsikti.23.

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The Mekar Sari Sedana Savings and Loan Cooperative is a cooperative that runs a business in the field of savings and loans as a business that provides credit to customers. In selecting prospective customers and giving decisions to customers who apply for credit by cooperative managers, the calculation of the value obtained by customers applying for credit is not based on criteria 5C, which is a requirement for lending to cooperatives. The method used in this research is Profile Matching a decision-making mechanism by comparing the value of data from a profile that will be assessed with the exp

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Maria Devina Gratia Kima, Yohanes Demu, and Maria P. L. Muga. "Analisis Penerapan Sistem Pengendalian Internal dalam Menunjang Efektivitas Pemberian Kredit." Jurnal Kendali Akuntansi 3, no. 1 (2025): 106–12. https://doi.org/10.59581/jka-widyakarya.v3i1.4725.

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The sangosay cooperative is one of the financial institutions engaged in the field of savings and loans providing loan facilities. Where this is the function of cooperatives to support progress and support economic growth. This research was conducted on the Sangosay Cooperative Kupang Branch which carries out savings and loan activities that are quite healthy, starting from an increase in the number of members, borrowers and bad loans. So the purpose of this study is to see the implementation of the internal control system implemented by the Sangosay Credit Cooperative Kupang Branch in support

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Karmawan, I. Gusti Made. "Perancangan Sistem Informasi Serba Usaha pada Koperasi Tangerang." ComTech: Computer, Mathematics and Engineering Applications 5, no. 2 (2014): 963. http://dx.doi.org/10.21512/comtech.v5i2.2345.

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Savings and loan cooperative or credit and trade unions is part of a Multipurpose Cooperative Enterprises engaged in the field of small - medium businesses. Capitalization is achieved through the savings of its members in a way that is easy, inexpensive, fast, and accurate for the purpose of productivity and prosperity for the members. This study was conducted to design information systems, computer-based savings and loan in order to help improve performance. The purpose of information system design in Tangerang savings and loan cooperatives are providing computerized system of savings and loa

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Fornarelli, R., M. Anda, S. Dallas, et al. "Enabling residential hybrid water systems through a water credit–debit system." Water Supply 19, no. 7 (2019): 2131–39. http://dx.doi.org/10.2166/ws.2019.093.

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Abstract Smart metering and data analytics enable the implementation of a range of on-site infrastructures for energy, water and waste management to demonstrate the interconnected infrastructure of future smart cities. A research project in Western Australia is integrating smart metering technology, household participation and data analytics. An improved understanding of hybrid water systems at residential scale, as socially accepted solutions to promote water efficiency and economic savings, within the traditional centralized urban water network is achieved. An integrated water model and a sy

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Winarto, Wahid Wachyu Adi, and Fatimatul Falah. "Analisis Sistem Pengelolaan Keuangan Produk Pembiayaan Syariah Dengan Akad Murabahah." JPS (Jurnal Perbankan Syariah) 1, no. 2 (2020): 150–61. http://dx.doi.org/10.46367/jps.v1i2.234.

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Cooperatives for Savings and Loans and Sharia Financing are microfinance institutions that collect funds from the public and distribute them to people who need these funds. The purpose of this study was to determine the financial management system of sharia financing with the murabahah contract in the Baitut Tamwil Tazakka Islamic Savings and Loan Cooperative. This research is qualitative research using interview and documentation methods and obtained primary and secondary data results. The results of this study are that the murabahah contract is one of the most dominant contracts in the Baitu

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Alya Nabila Junaidi, Muhammad Irwan Padli Nasution, and Sri Suci Ayu Surandari. "ANALISIS PROSEDUR MANAJEMEN KEUANGAN PEMBIAYAAN SYARIAH DENGAN AKAD MURABAHAH." OPTIMAL Jurnal Ekonomi dan Manajemen 3, no. 1 (2023): 150–57. http://dx.doi.org/10.55606/optimal.v3i1.953.

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Cooperatives for Savings and Loans and Sharia Financing are microfinance institutions that collect funds from the public and distribute them to people who need these funds. The purpose of this study was to determine the financial management system of sharia financing with the murabahah contract in the Baitut Tamwil Tazakka Islamic Savings and Loan Cooperative. This research is qualitative research using interview and documentation methods and obtained primary and secondary data results. The results of this study are that the murabahah contract is one of the most dominant contracts in the Baitu

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Supriana, I. Wayan, Made Agung Raharja, and Putu Wida Gunawan. "Sistem Informasi Prediksi Penilaian Kredit Perbankan Menggunakan Algoritma K-Nearest Neighbor Classification." JST (Jurnal Sains dan Teknologi) 8, no. 1 (2019): 44–54. http://dx.doi.org/10.23887/jstundiksha.v8i1.16470.

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The existence of banking institutions is very important for people's lives, especially used for raise funds in the form of deposits, demand deposits, savings and others. Besides that, it is an institution banks can also play a role as channeling funds in the form of credit to the public and business entities that need it. Problems in credit disbursement cause bad loans from customers, causing losses to the bank. Credit assessment is one of the important stages that must be carried out by the bank before credit is given to the credit applicant. The credit appraisal process belongs to a semi-str

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Supriana, I. Wayan, Made Agung Raharja, and Putu Wida Gunawan. "Sistem Informasi Prediksi Penilaian Kredit Perbankan Menggunakan Algoritma K-Nearest Neighbor Classification." JST (Jurnal Sains dan Teknologi) 8, no. 1 (2019): 44. http://dx.doi.org/10.23887/jst-undiksha.v8i1.16470.

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The existence of banking institutions is very important for people's lives, especially used for raise funds in the form of deposits, demand deposits, savings and others. Besides that, it is an institution banks can also play a role as channeling funds in the form of credit to the public and business entities that need it. Problems in credit disbursement cause bad loans from customers, causing losses to the bank. Credit assessment is one of the important stages that must be carried out by the bank before credit is given to the credit applicant. The credit appraisal process belongs to a semi-str

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Turnip, Anju Chornelus, and Richardus F. Talubun. "KEDUDUKAN HUKUM SURAT KEPUTUSAN KEPEGAWAIAN PEGAWAI NEGERI SIPIL SEBAGAI JAMINAN KREDIT." LAJOUR (LAW JOURNAL) 3, no. 1 (2022): 35–42. http://dx.doi.org/10.32767/lajour.v3i1.176.

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Bank financial institutions have a role in developing the economic system. Banks have a role as distributors and collect funds from the public. The collection process involves receiving funds from the public in the form of savings. Meanwhile, in the process of distributing funds, banks provide credit to the public in the form of loans or credits. In providing credit, banks generally provide additional charges in the form of collateral. Guarantees are intended to provide certainty regarding the debtor's ability to pay off debts, which are also intended to avoid the risk of bad credit. In

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Prahartiwi, Lusa Indah, and Nurul Fatimah. "Sistem Pendukung Keputusan Pemberian Kredit pada Koperasi Karyawan Aneka Pangan Nusantara Menggunakan Metode SAW." Jurnal Teknik Komputer 9, no. 1 (2023): 33–40. http://dx.doi.org/10.31294/jtk.v9i1.14085.

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Giving credit is an effort made by cooperatives to provide loans to members by utilizing the funds they have. In granting credit, cooperatives need to study and calculate appropriately so that there are no mistakes in decision making. The Aneka Pangan Nusantara Purwakarta Employee Cooperative is a cooperative engaged in various business fields, such as shops, savings and loans, and various businesses. Based on the results of interviews that have been conducted with Mr. Tendi Rismawan as Administrator, it is known that in making credit decisions at the Aneka Pangan Nusantara Purwakarta Employee

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O'Reilly, Caroline. "Urban women's informal savings and credit systems in Zambia." Development in Practice 6, no. 2 (1996): 165–73. http://dx.doi.org/10.1080/0961452961000157714.

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Li, Hewei. "Intersecting Dynamics: The Role of International Carbon Markets and Private Credit in Reshaping Global Financial Systems." Frontiers in Business, Economics and Management 15, no. 2 (2024): 206–10. http://dx.doi.org/10.54097/yttfb347.

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This paper explores the dynamic interplay among the development of international carbon markets, the ongoing global retirement savings crisis, and the rising prominence of private credit. The growth of carbon markets as a cornerstone of climate policy initiatives is reshaping global financial landscapes, influencing investment strategies, particularly within pension funds, and enhancing the appeal of private credit as an alternative investment avenue. This comprehensive analysis addresses how the integration of carbon markets with environmental, social, and governance (ESG) criteria into inves

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Polterovich, V., O. Starkov, and E. Chrenykh. "Contractual Savings for Housing: A Mortgage Institution for Russia." Voprosy Ekonomiki, no. 1 (January 20, 2005): 63–86. http://dx.doi.org/10.32609/0042-8736-2005-1-63-86.

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The paper argues that introduction of сontractual savings for housing (CSH) - bausparkassen and building and loan cooperatives - is an essential institutional stage in the process of mass mortgage market formation. An attempt to skip over it is a costly mistake and almost doomed to failure. Given an active government support CSH become a primary school of saving and loan behavior for millions and an effective tool for selection and education of steady borrowers for the banking system. In a short period of time they allow to increase substantially aggregate savings. CSH facilitate people's acce

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Iqbal, Muhammad, Munir Ahmad, and Kalbe Abbas. "The Impact of Institutional Credit on Agricultural Production in Pakistan." Pakistan Development Review 42, no. 4II (2003): 469–85. http://dx.doi.org/10.30541/v42i4iipp.469-485.

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Three main factors that contribute to agricultural growth are the increased use of agricultural inputs, technological change and technical efficiency. Technological change is the result of research and development efforts, while technical efficiency with which new technology is adopted and used more rationally is affected by the flow of information, better infrastructure, availability of funds and farmers’ managerial capabilities. Higher use and better mix of inputs also requires funds at the disposal of farmers. These funds could come either from farmers’ own savings or through borrowings. In

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Miftaqul Sandrina Wardani, Wiratna Wiratna, Sutini Sutini, Diana Zuhro, Tjandra Wasesa, and Heri Toni. "Prosedur Pemberian Pinjaman Kredit Pada Primkopal Komando Pendidikan Marinir Surabaya (Laporan Kegiatan Kuliah Kerja Lapangan)." Cakrawala: Jurnal Pengabdian Masyarakat Global 2, no. 4 (2023): 83–108. http://dx.doi.org/10.30640/cakrawala.v2i4.1710.

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The beginning of the word credit comes from Latin, namely "Credere" which means trust, which is the trust of the creditor that the debtor will return the loan and interest in accordance with the agreement of both parties. According to the Banking Law, credit is the provision of money or bills that can be likened to it, based on an agreement or loan agreement between a bank and another party, which requires the borrower to pay off its debt after a certain period of time with interest. Various forms of credit according to OJK (Financial Services Authority) such as unsecured credit loans (KTA), C

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Davymuka, Stepan, and Liliya Klyuchnyk. "Assets of households in the formation of investment potential of Ukraine in conditions of socio-economic instability." Regional Economy, no. 2(96) (2020): 85–93. http://dx.doi.org/10.36818/1562-0905-2020-2-7.

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The investment capacity of the households of any country is the decisive factor of increasing the wellbeing of each person, population, and socio-economic system of a state in general. Growing nominal and real income of population and creation of respective financial resources that secure their transformation into the investment resource are the major preconditions of improvement of the households’ investment opportunities. Households become increasingly active savers and perspective investors for the domestic economy as they invest temporary free funds in various financial tools. The article

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Bharamappanavara, Saikumar C., and A. V. Manjunatha. "Group Based Microcredit and Self Help Group (SHG) functioning: An alternate or complementary form of credit rationing in Rural and Urban SHGs." Al-Barkaat Journal of Finance & Management 13, no. 2 (2025): 1–28. https://doi.org/10.5958/2229-4503.2025.00006.x.

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The straddling of rural-urban divide continuous with a sharp distinction between rural and urban residents exists in their livelihood and can be mainly grouped as agriculture based in rural areas and manufacturing and service based in urban areas (Tacoli 1998), accordingly the people financial requirements also differs. Microcredit has emerged as a major innovation of credit and savings system for poor families in the rural financial market revolutions in developing countries (Pretty and Ward 2001), in particularly the concept has made first revolution in the Theory of credit and policy (Wolle

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Al Munawar, Faishal Agil, and M. Iqbal Vad'aq. "The Views of Nahdlatul Ulama and Muhammadiyah Figures on Credit Transactions with a Savings System." Indonesian Journal of Islamic Economics and Finance 4, no. 1 (2024): 103–20. http://dx.doi.org/10.37680/ijief.v4i1.5569.

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As practiced by @dintwinz_home on Instagram, credit buying with a savings system offers a unique approach to transactions compared to conventional methods. Unlike typical credit purchases, this method allows buyers flexibility with payment deadlines and amounts. Customers can cancel purchases and withdraw their installment funds. This empirical study adopts a qualitative approach, utilizing interviews and documentation to explore the perspectives of Nahdlatul Ulama (NU) and Muhammadiyah figures in Malang City. Key findings include the structured stages of this buying process: (1) visiting @din

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Tuan, Le Anh, Nguyen Le Nhan, Mai Thi Quynh Nhu, Nguyen Thi Huyen Tram, and Nguyen Vuong Thanh Long. "Decision to Implementation of Credit Management System at Commercial Banks - Experimental Survey in Da Nang City, Vietnam." Academic Journal of Interdisciplinary Studies 11, no. 4 (2022): 110. http://dx.doi.org/10.36941/ajis-2022-0102.

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The purpose of this study is to evaluate the factors affecting the decision to deploy a credit management system at commercial banks in Da Nang city. The author used a combination of mixed research methods in this study. The qualitative research method aims to build a research model from the analysis of previous related studies. The author used a quantitative method to survey 336 subjects who are managers, direct employees of the credit department at banks. Research results show that there are four factors that greatly influence the decision to choose a bank. Deposit individual customer saving

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P., Popoola O., Yusuf A. O. T. J., Ishola S. O. D., et al. "Assessment of Livelihood Activities of Beneficiaries of Village Alive Development Initiative, Kwara State, Nigeria." Global Academic Journal of Agriculture and Biosciences 5, no. 03 (2023): 47–60. http://dx.doi.org/10.36348/gajab.2023.v05i03.004.

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The study assessed the livelihood activities of beneficiaries of Village Alive Development Initiative (VADI) in Kwara State, Nigeria. It specifically identified the types of livelihood of beneficiaries in the study area and assessed how the programme benefited rural communities. Data were collected using structured questionnaire administered to fifty-seven beneficiaries using three-stage sampling technique. Data generated were analyzed with descriptive and inferential statistical tools. The study revealed that the age bracket is uniformly distributed across the age groups with greater proporti

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Brown, Adam, Steve Garguilo, and Khanjan Mehta. "The Relentless Pursuit of Financial Capital for Micro-enterprises: Importance of Trust and Social Capital." International Journal for Service Learning in Engineering, Humanitarian Engineering and Social Entrepreneurship 6, no. 2 (2011): 78–97. http://dx.doi.org/10.24908/ijsle.v6i2.3660.

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In developing countries, prospective entrepreneurs struggle with getting access to financial capital to start small businesses. Formal lending sometimes works for solidarity groups of small business owners who approach microfinance institutions (MFIs) to access capital for expanding their businesses, but MFIs do not typically lend money to entrepreneurs interested in starting new businesses. In order to create an environment where startup business and entrepreneurship thrives, it is crucial to meet the needs of the marginalized entrepreneurs. As a response to this trend, the informal lending a

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