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Journal articles on the topic 'Self employed car loan'

Author: Grafiati

Published: 28 July 2024

Last updated: 31 July 2025

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1

Briones, Fritz Jeffry Z., Rey James B. Roxas, and Christopher D. Salino. "CUSTOMER PROFILE AND THE ANALYSIS OF LOAN PRODUCTS AND SERVICES OFFERED BY UNIVERSAL BANKS IN CALBAYOG CITY, SAMAR." Ignatian International Journal for Multidisciplinary Research 2, no. 3 (2024): 1240–53. https://doi.org/10.5281/zenodo.10897541.

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This study investigates the customer profiles and the demand for loan products and services provided by universal banks in Calbayog City, Samar. As a significant component of the Philippine banking sector, universal banks offer a wide array of financial services, making them integral to the nation's economic growth. In employing a descriptive correlational research design, the study aimed to analyze the relationship between customer profiles—including age, sex, civil status, educational attainment, occupation, employer, monthly salary, and banking duration—and their preferences for

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Sharma, Puspa Raj, and Yub Raj Bohara. "Personal Finance Knowlegde and Practice: An Opinion Survey with Employed and Self-employed People in Pokhara." Journal of Nepalese Business Studies 7, no. 1 (2012): 80–99. http://dx.doi.org/10.3126/jnbs.v7i1.6410.

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The ability to manage personal finances has become increasingly important in today's world. People must plan for long - term investments for their retirement and children's education. They must also decide on short - term savings and borrowing for daily life like a down payment for a house, a car loan, and other big - ticket items. Additionally, they must manage their different risk and insurance needs. This is might be the first survey about 'Personal Financial Knowledge and Practice' survey was conducted in 2011 with employed and Self-Employed people in Pokhara, Nepal. The survey revealed en

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Sutisna, Nanang Ali, and M. Fajar Aulia Ansela Akbar. "FEM Simulation of Electric Car Chassis Design with Torsional Bar Technology." Journal of Mechanical Engineering and Mechatronics 3, no. 2 (2019): 97. http://dx.doi.org/10.33021/jmem.v3i2.542.

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A design of electrical vehicle chasis is presented, specifically a FEM simulation is employed to simulate the different kind of load and reaction on vehicle frame. The main goal in this research is to develop an electric car with torsion bar, where the frame will have a self-suspension system. The frame design will be made as original equipment. This research will focus on how an electric car chassis withstand certain load with a defined boundary condition, where the analysis is conducted using Finite element Method using ANSYS software. The main analysis is the Von-Misses Stress, the safety f

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Sadiwi, Ni Putu Jyotika Artha, Kadek Intan Rismayanti, Ida Ayu Putu Ratih, et al. "The Influence of Cash Turnover Rate, Credit Turnover Rate, and Capital Adequacy on Profitability in Savings and Loan Cooperatives in Denpasar." Journal of International Conference Proceedings 7, no. 2 (2024): 430–40. https://doi.org/10.32535/jicp.v7i2.3459.

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Profitability refers to a company's capacity to generate profits within a specified timeframe. This study seeks to empirically assess the impact of cash turnover rate, credit turnover rate, and capital adequacy ratio (CAR) on the profitability of savings and loan cooperatives in the East Denpasar district. This study's population comprised 32 cooperatives located in the East Denpasar District. This research employed a purposive sampling strategy. A sample of 32 cooperatives in East Denpasar District was obtained based on the established sampling criteria, resulting in a total of 96 observation

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Sochib, Sochib. "Effect of LDR, NPL, CAR on Return on Asset of Conventional National Commercial Bank in Indonesia." International Journal of Accounting and Management Research 4, no. 2 (2023): 85–93. http://dx.doi.org/10.30741/ijamr.v3i1.1278.

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Every effort to increase company profits impacts the prosperity of investors as owners. Profit optimization involves aligning assets, particularly in banking, where key factors influencing profits include the bank's ability to allocate funds as credit and the management's proficiency in handling loans to maintain collectibility and ensure sufficient capital. Loan distribution is measured using the Loan to Deposit Ratio (LDR), while effective credit management is gauged by Non-Performance Loans (NPL). The adequacy of minimum capital provision is assessed by the Capital Adequacy Ratio (CAR). Thi

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Nureny, Nureny. "Financial Performance and Share Prices of Banks of State-Owned Enterprises in Indonesia." Jurnal Ilmiah Ilmu Administrasi Publik 9, no. 2 (2020): 315. http://dx.doi.org/10.26858/jiap.v9i2.12335.

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This study aims to examine the effect of financial performance, namely; Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA) and Operational Cost on Operational Income (BOPO) on stock price of state-owned Bank in Indonesia. The sample in the study is state-owned Bank registered at Indonesia Stock Exchange and still listed until 2018 namely; Bank Mandiri, Bank Negara Indonesia (BNI), Bank Tabungan Negara (BTN), and Bank Rakyat Indonesia (BRI). The collection of data is carried out by documentation technique. Tech

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Anisa, Hilda Vina, and Dhini Suryandari. "The Effect of NPL, GCG Self Assessment, ROA, and CAR on Firm Value (Empirical Study on Commercial Banks listed on the Indonesia Stock Exchange)." Accounting and Finance Studies 1, no. 2 (2021): 111–24. http://dx.doi.org/10.47153/afs12.1352021.

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  Penelitian ini bertujuan untuk menguji dan menganalisis pengaruh NPL, Self Assessment, ROA, dan CAR terhadap Nilai Perusahaan. Populasi penelitian ini adalah bank umum yang terdaftar di Bursa Efek Indonesia periode 2017-2019. Teknik pengambilan sampel menggunakan purposive sampling dan diperoleh sampel sebanyak 32 bank umum, sehingga jumlah observasi dengan periode penelitian 3 tahun sebanyak 96 observasi. Teknik analisis data yang digunakan adalah analisis regresi linier berganda dengan menggunakan IBM SPSS 26. Hasil penelitian menunjukkan bahwa variabel non performing loan (NPL

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Mwaipaja, Festo, and Joseph Magali. "Influence of Demographic Factors on Loan Portfolio Quality in the Savings and Credit Cooperatives Societies in Tanzania." EAST AFRICAN JOURNAL OF EDUCATION AND SOCIAL SCIENCES 5, no. 3 (2024): 33–46. http://dx.doi.org/10.46606/eajess2024v05i03.0380.

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This study determined the influence of demographic factors on loan portfolio quality in Tanzania, focusing on the Hazina SACCOS. The sample of the study was 134 out of 423 borrowers from Dar es saalam and Dodoma cities, whose loans did not exceed Tanzanian Shillings 5 millions. Only 100 questionnaire sheets were returned. Out of those, only 75 were correctly filled, hence used for analysis. Data analysis took place through descriptive and regression analysis. The study concludes that demographic factors affected loan portfolio in different ways. While female borrowers had higher loan repayment

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Efris Saputri, Eka Julianti, Aditya Pradana, Rian Fitra Apriandi, and Haviz Taufik. "The Impact of Financial Technology on Bank Financial Performance." TIN: Terapan Informatika Nusantara 4, no. 9 (2024): 607–12. http://dx.doi.org/10.47065/tin.v4i9.4662.

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This research was conducted to determine whether there is a significant influence on financial performance before and after the operation of Financial Technology (Fintech) in Jambi. The variables used in this study employed financial ratios, namely Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return Of Assets (ROA), Operational Efficiency Ratio (BOPO), and Non-Performing Loan (NPL) in banks registered with the Financial Services Authority (OJK) for the period 2015-2018. The testing methods utilized in this research include the Paired Sample T-test for normally distributed data an

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Kartika, Andi, Ida Nurhayati, and Whidian Hardiyanti. "PERAN MEDIASI PROFITABILITAS PADA PENGARUH RASIO KECUKUPAN MODAL DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN SAHAM." Distribusi - Journal of Management and Business 10, no. 1 (2022): 63–74. http://dx.doi.org/10.29303/distribusi.v10i1.203.

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The aims of this study is to analyze and empirically test the impact of capital adequacy (CAR) and Loan to Deposit Ratio on profitability in IDX banking companies, analyze and empirically test the impact of capital adequacy (CAR) and the effect of Loan to Deposit Ratio on stock return in IDX banking companies, and analyze and empirically test the impact of profitability on stock return in IDX banking companies with observation period from 2015-2019 in 43 companies. The number of samples gathered by 42 companies utilizing the purposive sampling technique. The method employed in this study is pa

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Jung, Hosung, and Hyun Hak Kim. "Default Probability by Employment Status in South Korea." Asian Economic Papers 19, no. 3 (2020): 62–84. http://dx.doi.org/10.1162/asep_a_00786.

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This paper analyzes the factors behind the loan defaults of borrowers by their employment status (whether they are self-employed) using the Korea Consumer Credit Panel data held by the Bank of Korea, and estimates the probability of default and the fragility of the financial sector. This is done using the concept of exposure at default for individuals. Using individual data on loans and delinquencies, we divide the spreads of personal loans into spreads determined by loan characteristics and spreads based on credit ratings to examine how these factors determine the probability of default among

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A, Dhea Ayu Recita Dwi Putri, and Cinthya Bella. "Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) dan Net Interest Margin (NIM) Terhadap Return on Asset (ROA) (Studi Kasus Pada Bank Umum yang Listed di Bursa Efek Indonesia Tahun 2019-2023)." Jambura Economic Education Journal 7, no. 3 (2025): 1015–32. https://doi.org/10.37479/jeej.v7i3.29493.

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The objective of this study is to evaluate the extent to which the Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) influence the financial performance of commercial banks, particularly Return on Assets (ROA), among banks listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. The researchers employed a quantitative approach, utilizing EViews 12 software for data analysis. Using the purposive sampling technique, 13 bank samples were selected based on specific criteria. Among the four variables examined, CAR and NIM were

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Fitriana, Rahmawati, and Dzikri Isgifiernanda. "Pengaruh Risiko, Tingkat Efisiensi dan Good Corporate Governance terhadap Kinerja Keuangan pada Bank Umum yang Terdaftar di Bursa Efek Indonesia Periode 2014-2018." Jurnal EKSIS 18, no. 2 (2022): 117–29. http://dx.doi.org/10.46964/eksis.v18i2.313.

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This study aims to determine the effect of Return On Investment (ROI) on CAR, the influence of Operating Income Operating Costs (BOPO) on CAR, the influence of Net Interest Margin (NIM) on CAR, the effect of Net Interest Margin (NIM) on CAR, influence of Loan to Deposit Ratio (LDR) on CAR, and the effect of Good Corporate Governance (GCG) self assessment of CAR simultaneously on commercial banks listed on the Indonesia Stock Exchange (IDX) in the period 2014 - 2018. The data used in this study are secondary data in the form of annual financial ratios with 35 observations. Data collection was o

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Soukotta, Agnes, Anna Valensia Christianty De Fretes, and Febiola Casandra Lawalata. "Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode RGEC Pada PT. Bank Danamon Tbk." RIGGS: Journal of Artificial Intelligence and Digital Business 4, no. 2 (2025): 1884–89. https://doi.org/10.31004/riggs.v4i2.758.

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Penelitian ini bertujuan untuk menganalisis tingkat kesehatan PT. Bank Danamon Tbk periode 2019–2022 menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital). Pendekatan deskriptif kuantitatif diterapkan dengan menggunakan data sekunder dari laporan keuangan resmi perusahaan. Analisis mencakup rasio Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Return on Equity (ROE), Capital Adequacy Ratio (CAR), dan penilaian GCG melalui self-assessment. Hasil penelitian menunjukkan bahwa secara umum Bank Danamon berada dalam kondisi sehat. NPL me

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Muhtadin, Imam, Faris Rahman Zain, Edi Purwanto, and Tiyas Puji Utami. "Determinants of Banking Profitability: The Case of State-Owned Banks Listed on the Indonesia Stock Exchange." Journal of Accounting and Investment 23, no. 3 (2022): 576–87. http://dx.doi.org/10.18196/jai.v23i3.15246.

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Research aims: This study examined the determinants of profitability of state-owned banking companies on the Indonesia Stock Exchange, including Adequacy Ratio (CAR), Operating Costs and Operating Income (OCOI), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL).Design/Methodology/Approach: This study is quantitative research with a type of exploratory. The population in this study was all state-owned banks listed on the Indonesia Stock Exchange for the period 2012-2018 and used the saturated sample technique, or the entire population was taken as a sample. The data analysis method emp

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Pasryb, A. Syahida Ulhaq, Zainal Ruma, Ahmad Ali, Chalid Imran Musa, and Anwar Anwar. "COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE BETWEEN THE SOUTH WEST SULAWESI REGIONAL DEVELOPMENT BANK (BPD SULSELBAR) AND NORTH EAST KALIMANTAN REGIONAL DEVELOPMENT BANK (BPD KALTIMTARA) 2015-2020 PERIOD." SULTANIST: Jurnal Manajemen dan Keuangan 10, no. 2 (2022): 120–37. http://dx.doi.org/10.37403/sultanist.v10i2.396.

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This study aims to find out how the financial performance comparisons between the South West Sulawesi Regional Development Bank (BPD Sulselbar) and the North East Kalimantan Regional Development Bank (BPD Kaltimtara) for the 2015-2020 period. The parameters used to compare the financial performance of the two banks are using the ratio of Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA), Operating Expenses to Operating Income (BOPO), Good Corporate Governance (Self-Assessment) and Capital Adequacy Ratio (CAR). In this study, data analysis techniques were used, name

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Blessing Ebere, Chikwem,, Nathaniel Chinedum Nwezeaku, Chris Ejiogu, and Uzoamaka Gloria. "EFFECT OF CREDIT RISK MANAGEMENT ON THE PROFITABILITY OF NIGERIAN BANKS." Journal of Advance Research in Business Management and Accounting (ISSN: 2456-3544) 9, no. 2 (2023): 13–25. http://dx.doi.org/10.53555/nnbma.v9i2.1554.

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This study investigated the effect of credit risk management on the profitability of Nigerian banks from 2006-2020. Three banks were sampled (First Bank Nig Plc (FBN), Zenith Bank Plc (ZBN) and First City Monument Bank Plc (FCMB)). The study specifically determined the effect of non-performing loan to total loan ratio (NPR), non-performing loan to total deposit ratio (NDR), capital adequacy ratio (CAR), leverage ratio (LEV) and firm size (FSZ) on profitability of banks measured by Return On Assets (ROA) and Return On Equity (ROE). The study utilized secondary data sourced from annual reports a

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Gomera, William Clifford, and Magwana Ibrahim Ngollo. "The Effect of Self-Control on Loan Repayment Decisions of Women Market Vendors in Mbeya Municipality, Tanzania." Jurnal Manajemen Teori dan Terapan| Journal of Theory and Applied Management 16, no. 1 (2023): 107–23. http://dx.doi.org/10.20473/jmtt.v16i1.42720.

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Objective: This study aims to examine the effect of self-control on loan repayment decisions of women market vendors in Mbeya municipality, Tanzania. Design/Methods/Approach: This study employed a mixed research design. Primary data was collected via questionnaires and semi-structured interviews. A stratified random sampling technique was used to come up with a sample of 348 respondents selected from a population of 1741 women market vendors. Finally, descriptive statistics and regression analysis were utilized to process the collected data. Findings: The result of data analysis determined tha

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Anwar Syaifullah Rizki and Tri Gunarsih. "EFFECTIVENESS OF RGEC- BANK SOUNDNESS LEVEL AND INFLATION RATE IN PREDICTING POTENTIAL BANKRUPTCY OF BANKS: EVIDENCE FROM INDONESIA." International Journal of Business and Society 25, no. 1 (2024): 223–41. http://dx.doi.org/10.33736/ijbs.6908.2024.

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This study examines the effectiveness of RGEC-based bank soundness and inflation rate in predicting the potential for bankruptcy. The samples in this study are the banking sector companies listed on the Indonesia Stock Exchange (IDX) from 2016 to 2020. Using several proxies of the RGEC-based bank soundness and inflation rate, the results of this study indicate that the loan-to-deposit ratio (LDR), self-assessment of good corporate governance, and capital adequacy ratio (CAR) affect the potential of bankruptcy negatively and significantly. Furthermore, non-performing loans (NPL), return on asse

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Nurul Chalisa Majiding, Ambarwati Akib, Dwi Utami, Sri Utami, and Magfirah Wahyu Ramadhani. "Strategi Penanganan Non-Perfoming Loan dan Implikasinya terhadap Stabilitas Keuangan Bank: Studi Kasus pada Bank Sulselbar." JURNAL RUMPUN MANAJEMEN DAN EKONOMI 2, no. 3 (2025): 366–74. https://doi.org/10.61722/jrme.v2i3.4527.

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This study examines the strategies employed by Bank Sulselbar to manage non-performing loans (NPL) and their implications for the bank’s financial stability. Using a qualitative case study approach, in-depth interviews and conducted alongside internal document analysis. Findings reveal that a combination of preventive measures—such as strict credit appraisal and ongoing monitoring—and curative actions—including loan restructuring, intensive debtor communication, and collateral execution—have effectively contained NPLs below the central bank’s threshold of 5%. Despite external shocks from the C

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Astari, Novia Dwi, Dadang Hermawan, and Rosma Pakpahan. "Analisis Tingkat Kesehatan Bank Dengan Menggunakan Metode RGEC." Indonesian Journal of Economics and Management 1, no. 3 (2021): 615–27. http://dx.doi.org/10.35313/ijem.v1i3.3066.

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This study aims to assess the bank health level of PT Bank Mandiri (Persero), Tbk. In 2016-2020 using the RGEC method, which is viewed from the factors of Risk Profile, Good Corporate Governance, Earnings, and Capital. The financial ratios used in assessing the health level of bank include: risk profile using 2 (two) ratios, namely NPL (Non Performing Loan) for the credit risk aspect and LDR (Loan to Deposit Ratio) for the liquidity aspect. Earnings using 2 (two) ratios, namely ROA (Return On Assets) and NIM (Net Interest Margin). Capital uses the CAR (Capital Adequacy Ratio). As for the GCG f

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Hamzah, Rachmat, A. Abdani, and Yusuf Rohmat Yanuri. "Fund Placement and Loan Financing in Sharia Micro-finance: Credit Risk Analysis (2022-2023)." Indonesian Journal of Islamic Economic Law 1, no. 2 (2024): 91–104. http://dx.doi.org/10.23917/ijoel.v1i2.4876.

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The purpose of this study is to analyse the credit risk associated with Sharia Mi-crofinance Institutions (MMFIs) in Indonesia. In particular, the study examines the risk associated with fund placement and loan financing over the 2022-2023 period. A qualitative method with statistical analysis is employed to evaluate the relationship between fund placement (the independent variable) and loan financ-ing (the dependent variable). The findings indicate a positive correlation between the two variables, with an increase in fund placement resulting in an increase in loan financing. The analysis also

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Calvina, Calvina, and Miharni Tjokrosaputro. "Kinerja perbankan BPR sebelum dan selama masa pandemi Covid-19." Jurnal Manajemen Bisnis dan Kewirausahaan 7, no. 5 (2023): 1058–71. http://dx.doi.org/10.24912/jmbk.v7i5.26506.

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During the Covid-19 pandemic, many economic sectors experienced significant disruption. This also has an impact on the banking sector, including BPR which are financial institutions that play a key role in supporting economic growth at the local level by providing banking services to the MSME sector. The purpose of this study was to examine the influence of Covid-19 on the financial performance of rural banks by determining whether there were differences before and during Covid-19. Quantitative research with a descriptive approach was employed for this study. The data used is secondary data de

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Jaya, Ketut Asmara. "PENGARUH LOAN TO DEPOSITE RATIO, RETURN ON ASSETS, CAPITAL ADEQUACY RATIO, EXCHANGE RATE DAN INTEREST RATE TERHADAP RETURN SAHAM." Jurnal Akuntansi 19, no. 3 (2017): 340. http://dx.doi.org/10.24912/ja.v19i3.84.

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Pertumbuhan pasar modal pada akhir tahun 2010 menunjukkan kinerja yang luar biasa dengan meningkatnya kembali nilai saham dengan dipengaruhi oleh berbagai faktor, baik faktor internal ataupun faktor eksternal dari setiap perusahaan. Studi ini menganalisis untuk pinjaman deposit rasio (LDR), pengembalian asset (ROA), rasio kecukupan modal (CAR), nilai tukar dan suku bunga yang berdampak pada keuntungan saham di perusahaan perbankan. Studi panel ini menggunakan data LM test statistik yang menunjukkan perhitungan metode random effect adalah cara yang lebih tepat digunakan untuk mengestimasi model

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Angoori, Sukhvinder, Saurabh Dhankhar, and Sanjeev Kumar. "PM SVANIDHI AND ITS ROLE IN RESURRECTING THE SELF-EMPLOYED INFORMAL BUSINESSES AFTER THE COVID -19 CRISIS." Socio Economy And Policy Studies 2, no. 1 (2022): 61–66. http://dx.doi.org/10.26480/seps.02.2022.61.66.

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The present study is based on the awareness and understanding of street vendors towards the Pradhan Mantri Street Vendor’s AtmaNirbhar Nidhi. This scheme was aimed at resurrecting the businesses of street vendors who were drastically affected by the covid-19 related measures i.e., lockdown. The purposive sampling technique was employed for data collection in Hisar city of Haryana state and 100 street vendors were selected randomly. The descriptive statistics results show that the awareness and reach of the PM SVANidhi scheme among street vendors was poor. Only 26 per cent of respondents got th

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Booth, D. G. "Aiding self‐employed car‐washers in the informal sector in Durban." Development Southern Africa 3, no. 3 (1986): 500–515. http://dx.doi.org/10.1080/03768358608439259.

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Nur Aryanti, Asti, Palupi Permata Rahmi, and Listri Herlina. "Pengaruh ROA, ROE, LDR, CAR, Dan NPL Terhadap Harga Saham Perbankan Yang Terdaftar di BEI." ARBITRASE: Journal of Economics and Accounting 3, no. 1 (2022): 156–63. http://dx.doi.org/10.47065/arbitrase.v3i1.479.

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One of the sectors that has rapid development that support the national economy and have an important role in national development is the banking sector. This research aimed at analyzing the effect of Return on Assets, Return on Equity, Loan Deposit Ratio, Capital Adequacy Ratio, and Non-Performing Loans on banking stock prices listed on the IDX (Case Research of BUMN Banks for the Period 2008 – 2021). This research employed a quantitative method with a descriptive and verification approach. The type of data used were quantitative data. Secondary data, which consisted of data on the annual fin

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Sonwane, Kalyani A. "Simulating Self Driving Car Using Deep Learning." International Journal for Research in Applied Science and Engineering Technology 9, no. VI (2021): 738–43. http://dx.doi.org/10.22214/ijraset.2021.36454.

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Self-driving cars became a trending subject with a big improvement in technologies within the last decade. The project aims to coach a neural network to drive associate degree autonomous automobile agent on Udacity’s automobile Simulator's tracks. Udacity has discharged the machine as ASCII text file computer code and enthusiasts have hosted a contest (challenge) to show an automobile the way to drive victimisation solely camera pictures and deep learning. Autonomously driving an automobile needs learning to regulate steering angle, throttle and brakes. The activity biological research techniq

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Sonde, Dimeji R. "EFFECT OF ROAD TRANSPORT INFRASTRUCTURE AND SOFT LOANS ON FARMERS PRODUCTIVITY IN OGUN STATE, NIGERIA." Kampala International University Interdisciplinary Journal of Humanities and Social Sciences 4, no. 2 (2023): 148–62. http://dx.doi.org/10.59568/kijhus-2023-4-2-11.

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The challenges confronting rural areas especially among under-developed countries are enormous and cut across all spheres of life. Hard infrastructure such as road, machinery which could enhance accessibility to soft loans by farmers is in bad state. Previous literatures have focus on impact of road transport infrastructure on farmers’ productivity without holistic view on emphasis on effect of road transport infrastructure and soft loan infrastructure on farmers’ productivity. Therefore, this research will investigate impact of road transport infrastructure and soft loan on farmers’ productiv

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Darman, Darman, Muh Akbar Maulana, and Patta Tope. "Analisis Perbandingan Tingkat Kesehatan Bank BUMN dan Bank BUMS di Indonesia." J-MKLI (Jurnal Manajemen dan Kearifan Lokal Indonesia) 4, no. 2 (2021): 92. http://dx.doi.org/10.26805/jmkli.v4i2.112.

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Tingkat kesehatan Bank merupakan gambaran kondisi suatu bank yang diartikan sebagai kemampuan suatu bank untuk melakukan kegiatan operasionalnya dengan normal. Penelitian ini bertujuan untuk menganalisis perbedaan kesehatan bank Badan Usaha Milik Negara (BUMN) dan Badan Usaha Milik Swasta (BUMS). Metode penelitian yang digunakan yaitu metode analisis deskriptif dan uji Mann Whitney U yang berfokus pada rasio NPL (Net Performing Loan), ROA (Return On Assets), CAR (Capital Adequacy Ratio) serta Self Assesment untuk Menilai GCG (Good Coorporate Governace). Hasil penelitian menunjukkan tidak terda

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Ghulam, Yaseen, Kamini Dhruva, Sana Naseem, and Sophie Hill. "The Interaction of Borrower and Loan Characteristics in Predicting Risks of Subprime Automobile Loans." Risks 6, no. 3 (2018): 101. http://dx.doi.org/10.3390/risks6030101.

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We utilize the data of a very large UK automobile loan firm to study the interaction of the characteristics of borrowers and loans in predicting the subsequent loan performance. Our broader findings confirm the earlier research on the issue of subprime auto loans. More importantly, unmarried borrowers living with furnished tenancy agreements who have relatively new jobs have a probability of defaulting of more than 60% compared to an average 7% default rate in overall subprime borrowers in the dataset. Also, in the above category are those who live in a less prosperous part of the UK such as t

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Burt, Keith B., Jelena Obradović, and Janxin Leu. "Self-Construal, Family Context, and the Cortisol Awakening Response in First- and Second-Generation Asian American College Students." Emerging Adulthood 6, no. 2 (2017): 104–17. http://dx.doi.org/10.1177/2167696817706039.

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The current study employed latent difference score modeling to test whether acculturation processes at the level of the individual (i.e., self-construal) and family (i.e., family cultural conflict and family cohesion) explain variability of the cortisol awakening response (CAR) in 181 (58% female) first-generation (1G) and 135 (59.3% female) second-generation (2G) Asian American emerging adult college students (ages 18–23). Acculturation processes across individual and family levels related meaningfully to individual differences in stress physiology. For 1G participants, attenuated CAR was ass

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Agustina, Yuli, Agung Winarno, and Ariska Dyan. "Good Corporate Governance And Financial Performance On Capital Adequacy Ratio: A Reflection Of Indonesian Conventional Banking." JBMP (Jurnal Bisnis, Manajemen dan Perbankan) 7, no. 2 (2021): 293–306. http://dx.doi.org/10.21070/jbmp.v7i2.1542.

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The purpose of this study is to determine the impact of good corporate governance, as well as financial performance as measured by non-performing loans, net interest margin, return on assets, and loan to deposit ratios, on the capital adequacy ratio of conventional banking in the period 2015-2019, using data from the Federal Reserve. The composite value of banking self-assessment is the indicator that was utilized to determine good corporate governance in the context of this study. The quantitative approach used in this study was combined with secondary data. Purposive sampling was used in thi

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Ahmed Balroo, Shuaib, and Mahmoud Abdelhamid Saleh. "How is Brand Loyalty Influenced by Brand Association of Reference Groups and Advertisement Informativeness Through Self-Brand Connection?" International Journal of Economics, Business and Management Research 07, no. 10 (2023): 207–33. http://dx.doi.org/10.51505/ijebmr.2023.71013.

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Consumers’ loyalty to a brand has become a big challenge for organizations worldwide. The challenge lies in understanding how consumers form self-connection with brands. Brand association of reference groups and advertisement informativeness are among the various ways through which self-brand connection is formed. This empirical study investigates first the relationship between brand association of reference groups and advertisement informativeness with self-brand connection, and second the mediational role of self-brand connection in relationships of brand association of reference groups and

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Ganbat, Mandukhai, Erdenebileg Batbaatar, Ganzul Bazarragchaa, et al. "Effect of Psychological Factors on Credit Risk: A Case Study of the Microlending Service in Mongolia." Behavioral Sciences 11, no. 4 (2021): 47. http://dx.doi.org/10.3390/bs11040047.

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This paper determined the predefining factors of loan repayment behavior based on psychological and behavioral economics theories. The purpose of this research is to identify whether an individual’s credit risk can be predicted based on psychometric tests measuring areas of psychological factors such as effective economic decision-making, self-control, conscientiousness, selflessness and a giving attitude, neuroticism, and attitude toward money. In addition, we compared the psychological indicators to the financial indicators, and different age and gender groups, to assess whether the former c

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Hakim, Muhammad Irvan, and Helisa Noviarty. "Mengukur Kinerja Keuangan Dengan Pendekatan Metode Rgec Pada Bank Pembangunan Daerah Di Pulau Kalimantan Periode 2018-2022." Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) 4, no. 2 (2024): 800–809. http://dx.doi.org/10.47709/jebma.v4i2.3908.

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Sebagai lembaga keuangan, bank pembangunan daerah memiliki kewajiban yang tinggi dalam memobilisasi dana masyarakat dan mendukung pertumbuhan ekonomi daerah. Laporan keuangan dapat diolah menjadi gambaran tentang kesehatan keuangan bank. Eksplorasi kajian ini diharapkan bisa mencari tahu untuk mengukur tingkat RGEC (Risk Profile, Good Corporate Governance, Earnings, dan Capital) terhadap kinerja keuangan Bank Pembangunan Daerah. Artikel ini berfokus pada Bank Pembangunan Daerah yang berada di wilayah kepulauan Kalimantan, yang terindeks di direktori Bank Indonesia, dengan laporan tahunan kompr

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D'Amico, Ronald, Paul Benn, Cynthia C. McCoig, et al. "LB-8. Summary of COVID-Related Impact on Cabotegravir and Rilpivirine Long-Acting (CAB+RPV LA) Dosing Across the Six Ongoing Global Phase IIb and IIIb Clinical Trials." Open Forum Infectious Diseases 7, Supplement_1 (2020): S847—S848. http://dx.doi.org/10.1093/ofid/ofaa515.1905.

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Abstract Background SARS-CoV-2 (COVID-19) has disrupted healthcare service delivery globally. CAB+RPV LA is a novel, long-acting antiretroviral therapy (ART) currently in development and is administered intramuscularly monthly or every 2 months by a healthcare provider. COVID-19 and the resultant restrictions on access to some clinical trial sites presents challenges to the continuous delivery (‘implementation fidelity’) of CAB+RPV LA during a pandemic. Methods Descriptive analyses were conducted using aggregated data from ongoing CAB+RPV LA clinical trials (LATTE-2, ATLAS, ATLAS-2M, FLAIR, PO

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Li, Qiran, Qian Chen, Chengli Jian, Qingnan Wang, and Jihui Tu. "GCN-SATO: A Graph Convolutional Network with Self-Attention based Car-Following Model." Journal of Physics: Conference Series 2832, no. 1 (2024): 012017. http://dx.doi.org/10.1088/1742-6596/2832/1/012017.

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Abstract Car following is critical for the overall safety, efficiency, and smooth operation of autonomous vehicles in traffic. However, the existing car-following model primarily focuses on local feature extraction, overlooking the spatial-temporal relationships between vehicles and key information within the time series. This limitation negatively impacts prediction accuracy and generalization capabilities. To tickle these problems, this paper proposes a novel car-following method based on a Graph Convolutional Network (GCN) and a self-attention mechanism. Firstly, the GCN network is utilized

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Huda, Tanzil, Indah Rakhmawati Afrida, and Mariyae Chelong. "EFL COLLEGE TEACHERS’ AWARENESS ON CAR." Journey (Journal of English Language and Pedagogy) 3, no. 1 (2020): 1–5. http://dx.doi.org/10.33503/journey.v3i1.712.

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Nobody can claim that all instructions are free from problems. Realizing that all instruction are potential to have problems, college teachers should do reflective practices. One of the do reflective practices which can be done integratively and sytematically with their instructions is classroom action research (CAR). The present study tried to investigate the lecturers’ perception on CAR. The study focused on the indentifi-cation of the lecturers’ awareness on CAR and digging up the the factors affected the lecturers perception on CAR. The study employed survey method which posited qualitativ

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Huda, Tanzil, Indah Rakhmawati Afrida, and Mariyae Chelong. "EFL COLLEGE TEACHERS’ AWARENESS ON CAR." Journey: Journal of English Language and Pedagogy 3, no. 1 (2020): 1–5. https://doi.org/10.33503/journey.v3i1.720.

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Nobody can claim that all instructions are free from problems. Realizing that all instruction are potential to have problems, college teachers should do reflective practices. One of the do reflective practices which can be done integratively and sytematically with their instructions is classroom action research (CAR). The present study tried to investigate the lecturers’ perception on CAR. The study focused on the indentifi-cation of the lecturers’ awareness on CAR and digging up the the factors affected the lecturers perception on CAR. The study employed survey method which posited qualitativ

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Woolford, A. G. "Aiding self‐employed car‐washers in the informal sector in Durban: A critique." Development Southern Africa 4, no. 1 (1987): 155–57. http://dx.doi.org/10.1080/03768358708439304.

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Sikira, Richard, Madaba R, and Filbert R. "Navigating Loan Recovery Process from SMEs: Identifying Critical Challenges for Microfinance Institutions in Tanzania." International Journal of Scientific Research and Management (IJSRM) 12, no. 04 (2024): 6097–111. http://dx.doi.org/10.18535/ijsrm/v12i04.em05.

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The purpose of the study is to examine the loan recovery challenges facing Microfinance Institutions (MFIs) and Small and Medium Enterprises (SMEs) in Tanzania. The study took place at Nuru Financial and Business Services (NFBS), the Self-Microfinance Fund (SMF), and Ameic Microcredit Limited (AMC). These are among the microfinance institutions found in Dar es Salaam. The researchers employed a descriptive research design and used NFBS, SMF, and AML as study cases. The study involved 50 respondents, including credit officers, obtained through simple random sampling. In the data collection, the

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Zubair, Abdul, and Solomon Adah. "DETERMINANTS OF CAPITAL ADEQUACY OF DEPOSIT MONEY BANKS IN NIGERIA." International Journal of Innovative Research in Social Sciences and Strategic Management Techniques 9, no. 1 (2022): 46–61. http://dx.doi.org/10.48028/iiprds/ijirsssmt.v9.i1.06.

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Capital adequacy is critical to the safety and soundness of banks as it serves as a buffer or cushion for absorbing losses. This study examined the determinants of capital adequacy of deposit money banks in Nigeria. The study adopted correlation research design in a sample of 9 banks for a period of five years (2014-2019). Random effect regression technique of data analysis was employed, and the study found a signicant association between capital adequacy ratio and the determinants of capital adequacy of banks in Nigeria. The study found that firm performance (ROA) of the sample deposit money

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Mutua, Rabecca Nundu, Ambrose Jagongo, and Eddie Simiyu. "FINANCIAL OUTREACH AND FINANCIAL SUSTAINABILITY OF LICENSED DEPOSIT TAKING MICROFINANCE INSTITUTIONS IN NAIROBI CITY COUNTY, KENYA." International Journal of Finance and Accounting 5, no. 2 (2020): 69. http://dx.doi.org/10.47604/ijfa.1179.

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Purpose: The purpose of this study was to investigate the relationship between financial outreach and financial sustainability of deposit taking microfinance institutions in Nairobi County, Kenya. Methodology: The study employed a positivism research philosophy to determine the relationship between financial outreach and financial sustainability. A population of 13 licensed Deposit Taking Microfinance Institution was considered for this study. Census method was preferred due to small number of target population. A static Panel linear regression model with fixed effect was developed for b

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Nur Aliftiani, Novia, Muhammad Firdaus, and Nely Supeni. "COMPARATIVE ANALYSIS OF HEALTH LEVELS AT BANK NEO COMMERCE & BANK JAGO." MBA - Journal of Management and Business Aplication 6, no. 2 (2024): 716–25. http://dx.doi.org/10.31967/mba.v6i2.1026.

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Bank is a business entity that collects funds from the public in the form of savings and distributes them to the public in the form of credit and/or other forms in order to improve the standard of living of the people at large. Based on Indonesia Bank Regulation Number 13/1/PBI/2011, the soundness level of a bank is analyzed using the Risk Profile, Good Corporate Governance, Earnings, Capital (RGEC) method. This study aims to determine the soundness of Neo Commerce Bank and Jago Bank and their comparisons in 2019 – 2021 using the RGEC method. This research is comparative research. The data tak

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Himanshi, Sharma, Tyagi Ishika, Agarwal Gauri, and Gupta Deeksha. "An Exhaustive Investigation on Loan Prediction in Banks using LRD." International Journal of Innovative Science and Research Technology 8, no. 3 (2023): 1192–206. https://doi.org/10.5281/zenodo.7783909.

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Although there are various items that banking systems can sell to make money, their primary source of income is their credit card system. Now that the banking industry is doing better, but because banks only have so many assets to lend to, choosing who will be a safer option for the bank and to whom the loan can be provided is usually a procedure. The banking sector still desires a more rigorous predictive modelling framework for a number of issues. Predicting loan defaulters is a difficult task for the banking sector. The loan status, which is the first stage of the loan lending procedure, is

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Yubileus, Fransisco, Anwar Azazi, Ramadania Ramadania, and Uray Ndaru Mustika. "Profitabilitas sebagai Mediator Pengaruh Risiko, Modal, Tata Kelola, dan Efisiensi terhadap Pertumbuhan Laba Bank." Primary Journal of Multidisciplinary Research 1, no. 3 (2025): 121–36. https://doi.org/10.70716/pjmr.v1i3.202.

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This study investigates the mediating role of profitability, as measured by Return on Assets (ROA), in the relationship between credit risk (Loan Loss Provision/LLP), capital adequacy (Capital Adequacy Ratio/CAR), operational efficiency (BOPO), and board size on Return on Equity (ROE) growth within Indonesia’s banking sector. The study is grounded in the growing competition in the industry and the demand for robust financial performance amidst the ongoing transformation from conventional to digital banking. The dataset comprises quarterly financial statements from 13 banks over the 2020–2024 p

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Tulung, Jeane Marie, Mercy Waney, Jefri Mailool, Heldy Jerry Rogahang, Wolter Weol, and Olivia Wuwung. "Teachers’ difficulties in implementing classroom action research: Experiences of elementary school teachers." Cypriot Journal of Educational Sciences 17, no. 6 (2022): 1957–71. http://dx.doi.org/10.18844/cjes.v17i6.7486.

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The objective of our study was to examine the understandings of elementary school teachers who implemented classroom action research (CAR) in their professional life. A phenomenological study approach was employed in this research to explore the elementary school teachers’ understanding of their CAR views and to uncover the difficulties they experienced when implementing it. We collected the research data from interviews with 12 public elementary school teachers. The results of our study show that elementary school teachers comprehend the benefits of CAR, namely enhancing the quality of learni

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H M, Kotresh. "Development of Monocular Vision based Autonomous Car." International Journal for Research in Applied Science and Engineering Technology 11, no. 4 (2023): 1763–66. http://dx.doi.org/10.22214/ijraset.2023.50475.

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Abstract: The evolution of the artificial intelligence has served as the catalyst in the field of technology. We can now develop things which was once just an imagination. One of such creation is the birthof Autonomous cars. Days have come one can do their work even touching steering wheel, accelerator you will still be able to reach your target destination safely. Self-driving car (Autonomous cars) is a robotic vehicle that is designed to travel between destinations without human intervention. It is capable of sensing environment and navigate without human input. Autonomous cars must have con

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Aminu, F. O., E. O. S. Balogun, and O. B. Oke. "Farm risks and management strategies among arable crop farmers in Odogbolu Local Government Area of Ogun State, Nigeria." Agrosearch 19, no. 2 (2020): 41–53. http://dx.doi.org/10.4314/agrosh.v19i2.4.

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This study examines farm risk and management strategies adopted by arable crop farmers in Ogun State, Nigeria. A two-stage sampling procedure was employed to select 120 respondents for the study with the aid of questionnaire. Data were analysed using descriptive statistics, Likert scale and logit regression model. Results revealed that erratic rainfall, pest and diseases were the major production risks faced by the farmers. Ill-health (69.2%) and low produce price (92.5%) were the major personal risk and marketing risk experienced by the farmers respectively. The major financial risks were ins

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