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Pratiwi, sulistya rini
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The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Rahmawati, Meylin; Nainggolan, Yohanna Thresia
JURNAL ILMU MANAJEMEN Vol. 22 No. 2 (2025): DECEMBER 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i2.84118

Abstract

This study aims to analyse the effect of non-performing loans (NPLs), lending rates, and public savings on lending by commercial banks in North Kalimantan Province. The method used is a quantitative approach with secondary data from Bank Indonesia (BI) and the Financial Services Authority (OJK) in the form of monthly data for the period 2017–2022. The analysis was conducted using multiple linear regression with the assistance of Stata software. The results of the study indicate that NPLs do not have a significant effect on credit disbursement, either for working capital loans or investment loans. Credit interest rates do not affect working capital loans, but have a significant effect on investment loans. Meanwhile, public savings have a significant effect on credit disbursement for both types of loans. Simultaneously, all three variables have a significant impact on credit disbursement. These findings indicate that public savings are the primary factor in increasing credit disbursement, while NPLs are not the main obstacle. Additionally, interest rates have a greater impact on investment loans compared to working capital loans. These results can serve as a reference for banks in formulating credit disbursement strategies and for regulators in developing more effective banking policies.
The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Rahmawati, Meylin; Nainggolan, Yohanna Thresia
JURNAL ILMU MANAJEMEN Vol. 22 No. 2 (2025): DECEMBER 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i2.84118

Abstract

This study aims to analyse the effect of non-performing loans (NPLs), lending rates, and public savings on lending by commercial banks in North Kalimantan Province. The method used is a quantitative approach with secondary data from Bank Indonesia (BI) and the Financial Services Authority (OJK) in the form of monthly data for the period 2017–2022. The analysis was conducted using multiple linear regression with the assistance of Stata software. The results of the study indicate that NPLs do not have a significant effect on credit disbursement, either for working capital loans or investment loans. Credit interest rates do not affect working capital loans, but have a significant effect on investment loans. Meanwhile, public savings have a significant effect on credit disbursement for both types of loans. Simultaneously, all three variables have a significant impact on credit disbursement. These findings indicate that public savings are the primary factor in increasing credit disbursement, while NPLs are not the main obstacle. Additionally, interest rates have a greater impact on investment loans compared to working capital loans. These results can serve as a reference for banks in formulating credit disbursement strategies and for regulators in developing more effective banking policies.
Transformasi UMKM Menuju Go Digital: Legalitas dan Tata Ruang Usaha Devi, charitin; Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Margiyono, Margiyono; Ariani, Ariani; Simangunsong, Bernadeth YP Br.
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 7 No. 1 (2026): Edisi Januari - Maret
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Perkembangan teknologi digital telah mendorong perubahan signifikan dalam pola konsumsi dan terbentuknya ekosistem bisnis modern. Pemerintah melalui program percepatan digitalisasi UMKM menetapkan target integrasi 30 juta pelaku usaha dalam ekosistem digital pada tahun 2024. Berbagai studi menunjukkan bahwa tingkat adopsi digital masih rendah akibat keterbatasan literasi digital, kapasitas sumber daya manusia, dan kelemahan manajemen usaha. Kondisi tersebut juga ditemukan pada UMKM di Kelurahan Juata Permai, Kota Tarakan. Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan legalitas dan digitalisasi UMKM di wilayah tersebut. Metode pelaksanaan program, ini meliputi sosialisasi digitalisasi serta pelatihan pembuatan Nomor Induk Berusaha (NIB) dan registrasi pemanfaatan Google Maps sebagai media promosi digital. Hasil kegiatan menunjukkan peningkatan kapasitas dan pemahaman mitra terhadap prosedur legalitas usaha (85 persen peserta mampu menjelaskan kembali prosedur pengajuan NIB) serta pemanfaatan digital tools (80 persen peserta dapat menjelaskan manfaat Google Maps dan tahapan registrasi akun). Dampak nyata program ini mendukung capaian Indikator Kinerja Utama (IKU) perguruan tinggi dan memperkuat keberlanjutan program PkM berikutnya. Secara keseluruhan, kegiatan ini efektif dalam memperkuat kapasitas UMKM menuju ekosistem bisnis digital yang berkelanjutan.
Co-Authors Agusriyanti, Rizky Al Zahra, Maya Nur Al’idrus, Muhammad Arham, Muhammad Ariani Ariani Ariska, Iin Balloteng, Bunga Najwa Devi, Charitin Evi Gravitiani, Evi Fahreza, Muhammad Ariandy Farid Helmi Setyawan, Farid Helmi hatta, djuanda Heriyanti, Fitria KARTINI Kartini Kartini Kartini Kaujan, Kaujan Lestari, Tanti Try Lestary, Tanti Tri Margiyono, Margiyono Marvin, Miranda MULYADI Mulyadi Mulyadi Nainggolan, Yohanna Thresia Nur Utomo, Mohamad Permatasari, Revalina Cantika Ayu Putri, Ferica C Putri, Ferica Christinawati Rahmawati, Meylin Rika Wahyuni Arsianti Rizky Agusriyanti Irna Romadona, Buyung Ronaldo, Ronaldo Simangunsong, Bernadeth YP Br. Syaiful Anwar Utomo, Mohamad Nur Waluyo, Marhadi Budi Windani, Sakina Suci Wulandari, Rizki Dwi