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All Journal Media Mahardhika Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK) Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik GREENOMIKA Jurnal Ekonomi dan Kewirausahaan West Science Nusantara Community Empowerment Review Riwayat: Educational Journal of History and Humanities Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Praktek Kerja Lapang Manajemen
Devika Cherly Putrihadiningrum
Universitas Nahdlatul Ulama Sidoarjo
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Mathematics Social Sciences Other

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The Effect of Credit Disbursement Effectiveness on Profitability: The Moderating Role of Non-Performing Loans in PNM’s Mekaar Program (2016–2024) Violita, Cynthia Eka; Putrihadiningrum, devika cherly
Jurnal Ekonomi dan Kewirausahaan West Science Vol 4 No 01 (2026): Jurnal Ekonomi dan Kewirausahaan West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jekws.v4i01.3115

Abstract

The purpose of this study is to analyze the effect of credit disbursement on the profitability of PT Permodalan Nasional Madani (PNM) and to examine the role of Non-Performing Loan (NPL) as a moderating variable in the relationship between credit disbursement and profitability at PNM. This study employs an explanatory quantitative approach to analyze the impact of credit disbursement on profitability, with NPL serving as a moderating variable, focusing on the Mekaar Program of PT PNM for the period 2016–2024. The analysis was conducted using Moderated Regression Analysis (MRA) in EViews. The results indicate that credit disbursement has a negative and significant effect on the profitability of PT Permodalan Nasional Madani (PNM), and Non-Performing Loan (NPL) negatively and significantly moderates this relationship, meaning that the higher the NPL, the weaker the impact of credit disbursement on profitability.
Co-Authors Achmad Zaki Achmad Zaki Andini, Anala Ilfi Xena Anisa Maghdalena Arizqi Kurnia Septin Boyas, Jeziano Rizkita Cynthia Eka Violita Farah Rahmawati Farida, Ucyk Nurul Ida Aju Brahma Ratih Ida Aju Brahmasari Irsyadia, Latifah Kafidin Muzakki M. Mustaqim Mufassiro, Ani Munawir Rio Anugrah Mustaqim, M. Nur Fadilah Qurratu’aini, Nafia Ilhama Vernandia, Amanda Louis Widhiatmi, Diani Arditya Siwi