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All Journal JISPO (Jurnal Ilmu Sosial dan Ilmu Politik) Jurnal Ecoment Global: Kajian Bisnis dan Manajemen
Sesi, Sesi
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

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PROGRAM INCOME GENERATION DALAM MENGEMBANGKAN KREDIT MIKRO PADA RUMAH TANGGA NELAYAN MISKIN DI KELURAHAN PASIE NAN TIGO, KECAMATAN KOTO TANGAH, PADANG Sesi, Sesi; Indraddin, Indraddin; Maihasni, Maihasni
JISPO Jurnal Ilmu Sosial dan Ilmu Politik Vol. 9 No. 1 (2019): JISPO Vol 9 No 1 2019
Publisher : Faculty of SociaI and Political Sciences (FISIP), Universitas Islam Negeri (UIN) Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jispo.v9i1.4954

Abstract

Fishermen in the Pasie Nan Tigo Village, Padang City are generally poor. Various efforts to improve the economic condition of fishermen in the Pasie Nan Tigo sub-district have been carried out by both the Government and the private sector to reduce poverty in fishermen families. One program is the assistance of capital loans for business development given to fishing communities carried out by the Indonesian Conscience Foundation. Recorded as of October 31, 2017 there were as many as 20 groups that had received assistance with the business development capital loan. But on the loan repayment process, from the 20 groups that received the loan for business development capital loans from the GNI, there were 8 groups that paid installments for microcredit installments, and there were 12 other groups who did not pay micro credit installments. This research gave attention to 20 groups conveying the factors causing group members to pay micro credit installments.
Credit Risk Analysis On Banking Financial Performance (Case Study on State-Owned Banks Listed on the IDX for the 2022-2024 Period) Zeta, Cindy; Herwati, Helmi; Fransisca Salim, Cindy; Sesi, Sesi
Jurnal Ecoment Global Vol. 10 No. 2 (2025): Volume 10 No.2 Edisi Agustus 2025
Publisher : Universitas Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jeg.v10i2.5628

Abstract

This study aims to examine and analyze the impact of credit risk on banking financial performance, focusing on State-Owned Banks (BUMN) listed on the Indonesia Stock Exchange (IDX) during the period 2022-2024. Credit risk, measured using the Non-Performing Loan (NPL) ratio, is the main independent variable, while banking financial performance is measured using Return On Asset (ROA) as the dependent variable. Other relevant control variables such as Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), and Net Interest Margin (NIM) are also considered to provide a comprehensive picture. Based on the literature review, it is generally anticipated that credit risk will have a significant negative relationship with financial performance. However, previous studies have shown mixed findings, including insignificant or even positive relationships in some contexts. This study will contribute to clarifying this relationship in the post-COVID-19 pandemic context in Indonesia, especially for state-owned banks that have a strategic role in the national economy.
Co-Authors Fransisca Salim, Cindy Herwati, Helmi Indraddin Maihasni Maihasni Zeta, Cindy