Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal International Journal of Business, Management and Economics
Listri Herlina
Universitas Indonesia Membangun, Bandung
Economics, Econometrics & Finance Social Sciences

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Mortgage loan Credit Collectibility as an Early Warning System in Credit Risk Mitigation (Study at Bank Mandiri in 2026) Denis Anisa; Listri Herlina; Astrin Kusumawardani
International Journal of Business, Management and Economics Vol. 7 No. 2 (2026): International Journal of Business, Management and Economics
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijbme.v7i2.3514

Abstract

This study aims to measure credit risk in Home Ownership Loan (MORTGAGE LOAN) financing at Bank Mandiri using collectibility indicators as an Early Warning System (EWS) against potential Non-Performing Loans (NPL). Using a descriptive quantitative approach, the study analyzed secondary data comprising 306 accounts in Collectibility 2A (Special Mention) as of May 13, 2026, with a total outstanding balance of Rp 142.44 billion. Results show that 53% of debtors currently in Kol 2A were previously in current status (Kol 1), indicating a new wave of credit quality deterioration undetectable by NPL ratios alone. A total of 30 accounts (9.8%) are in the critical segment with arrears exceeding Rp 10 million. These findings confirm that mid-tier collectibility movements can serve as effective early warning signals, enabling banks to adopt preventive rather than reactive risk management approaches.
Beyond Branding: The Dominant Role of Tourist Attractions and Digital Promotion in Driving International Revisit Intentions to Nusa Dua, Bali Dayan Hakim Natigor Sihaputar; Ekos Albar; Irfani Fithria; Listri Herlina
International Journal of Business, Management and Economics Vol. 7 No. 2 (2026): International Journal of Business, Management and Economics
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijbme.v7i2.3451

Abstract

Nusa Dua, Bali, is an integrated tourism area in South Bali, known for its international standards, luxury resorts, and a 4 km stretch of white-sand beach. The destination is also recognized for its sustainable tourism, having been designated an environmentally friendly "Green Zone Destination." This study aims to analyze the effects of Branding Strategy, Tourist Attractions, and Digital Promotion on the Decision to Revisit Nusa Dua, Bali, among foreign tourists. The research was conducted on 385 foreign visitors who stayed in the Nusa Dua area between December 24, 2025, and January 2, 2026. The results indicate that Branding Strategy, Tourist Attractions, and Digital Promotion each have a positive and significant influence, both partially and simultaneously, on the Decision to revisit the Nusa Dua area. Of all the independent variables, Tourist Attractions is the most dominant factor influencing the decision to revisit, with the largest positive regression coefficient.
Co-Authors Astrin Kusumawardani Dayan Hakim Natigor Sihaputar Denis Anisa Ekos Albar Irfani Fithria