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All Journal Jurnal Maps (Manajemen Perbankan Syariah) Indonesian Journal of Economics and Management Jurnal Transportasi Multimoda Journal of Applied Islamic Economics and Finance Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal Integration of Management Studies
Purbayati, Radia
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Transportation

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Journal : Journal Integration of Management Studies

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Credit Scoring Modelling For Corporate Banking Institutions Purbayati, Radia; Muflih, Muhammad; Pakpahan, Rosma
Journal Integration of Management Studies Vol. 2 No. 1 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v2i1.125

Abstract

This research aims to build a credit scoring modeling simulation of bank corporate loans. The credit scoring model is used in assessing creditworthiness in credit decisions. This model determines whether or not a company is eligible for the corporate credit facility it proposes. Observations were made of 100 companies included in the list of Kompas100 Index formers on the Indonesia Stock Exchange (IDX) that have the potential to apply for loans/credits to Bank Financial Institutions (IKB) in optimizing the corporate capital structure through bank debt facilities in the period 2022. Analysis was conducted on five financial aspects consisting of 14 research variables, including (i) liquidity aspects, including current ratio and quick ratio variables; (ii) solvency aspects, including debt asset ratio and equity ratio variables; (iii) profitability aspects including return on net assets, operating profit ratio, price to earnings ratio variables, (iv) activity aspects including total asset turnover, accounts receivable turnover, inventory turnover, current assets turnover, and (v) growth aspects including operating income growth rate, total assets growth rate, and operating profit growth rate variables. The analysis tool uses Logistic Regression through an assessment conducted on the company's credit rating as a proxy for the dependent variable, worth one if the credit application is feasible and worth 0 if the credit application is not feasible with a cut-off point of 0.5. The results show that credit scoring modeling for corporate credit is significantly formed from liquidity (CR) and solvency (DER) aspects. Out of 61 companies classified as not eligible for credit facilities, 58 companies were classified correctly, and out of 39 companies classified as eligible, 29 companies were classified correctly. The overall percentage shows 68.0, meaning that the logistic regression model has an accuracy of 68%.
Review of Asset Management Practice in Indonesian State-Owned Enterprise Rahadi, Raden Aswin; Indrayana, Gun Gun; Afgani, Kurnia Fajar; Darmansyah, Asep; Anggoro, Yudo; Halim, Robbyson; Fitrianda, Saldy; Purbayati, Radia; Astari, Airen Widhia; Ayudiatri, Safira
Journal Integration of Management Studies Vol. 2 No. 1 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jims.v2i1.138

Abstract

This study examines Indonesian State-Owned Enterprises (SOEs) asset management methods, problems, and financial and operational performance effects. The report synthesizes case studies and academic research on how large organizations manage their huge and diverse asset portfolios and how governance, regulatory frameworks, and human resource practices affect their effectiveness. The research begins with case studies of talent management innovations from big Indonesian SOEs. These cases show how proactive human resource approaches can boost company commitment and reduce turnover, improving asset management efficiency. According to the research, governance and legal frameworks influence asset management techniques. Studies show that corporate governance quality affects SOE operational performance. The paper explores how reforms and legislation affect state asset management, highlighting the major changes in SOE governance and legal frameworks, particularly after economic and political reforms. Asset management difficulties for Indonesian SOEs include managing large and diverse asset portfolios, integrating modern management frameworks, and optimizing state asset revenue. According to the study, comprehensive asset management systems, governance transparency, and professional management can address these difficulties. The research examines how asset management strategies affect Indonesian SOE profitability, corporate governance, and performance measures. Strategic asset management boosts financial performance, especially profitability. SOE profitability is greatly affected by current asset and liability management. The study offers advice to Indonesian SOEs and policymakers. Enhancing financial and operational performance requires comprehensive asset management, governance changes, and strategic innovation. These efforts boost Indonesia's economy, demonstrating the importance of asset management in SOE performance.
Co-Authors Afgani, Kurnia Fajar Aini, Nurfina Anggoro, Yudo Asep Darmansyah Astari, Airen Widhia Ayudiatri, Safira Banter Laksana, Banter Djatnika, Djoni Fitrianda, Saldy Hadiani, Fatmi Halim, Robbyson Hatma Juniwati, Endang Imam, Fathur Indrayana, Gun Gun Iwan Setiawan Kusnadi, Hani Kustyanti Mayasari, Ine Muhammad Muflih Nurrohmah, Resti Fadhilah Nuzul, Dinda Amanda Ainun Pakpahan, Rosma Prasetyo, Bintang Dwi Raden Aswin Rahadi Rivanda, Agil Krisna Ruhana, Nafisah Sahroni, Putri Rizki Shafira, Ranti Firdha Silvia Utami Ningtias Sonia, Lira Subaryata, Subaryata Syaputri, Annisa Rizkia Syarief, Mochamad Edman Tripuspitorini, Fifi Afiyanti Yunieta Anny Nainggolan, Yunieta Anny