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Journal : Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen)

OPTIMIZATION OF CREDIT FACILITIES FOR EMPOWERING SMALL AND MICRO ENTERPRISES MODERATED BY FINANCIAL LITERACY Sukarno, Zulfikry; Themba, Orfyanny Syahreffy; Mokhtar, Susiana
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 12, No 2 (2025): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

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Abstract

PURPOSE - The purpose of the study is to analyze and predict the causal relationship of the impact of providing credit facilities to MSEs in Makassar City, in order to maximize their business income. Descriptive quantitative research model with sample determination through non-purposive sampling.METHODOLOGY - . The research sample was 100 Makassar MSE actors who were used as respondents. Data collection from respondent questionnaires. Data analysis uses variant-based SEM to test models and theories. Testing of structural models and measurement models with the help of smartPLS 3.0.FINDING - The test results show that the provision of credit facilities optimally has a significant and positive impact on increasing the business income of MSE actors in Makassar City. Financial literacy owned by MSE actors is able to increase their business income and the role of moderation. Financial literacy does not have an influence on the relationship between credit optimization and MSE empowerment
PENGARUH KEBIJAKAN KREDIT DAN KREDIT BERMASALAH TERHADAP KINERJA PERUSAHAAN PERBANKAN Sukarno, Zulfikry; Brasit, Nurdin; Munizu, Musran; Sabir, Sabir
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 9, No 2 (2022): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v9i2.2710

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari kebijakan utang dan kredit bermasalah terhadap kinerja perusahaan perbankan yang terdaftar pada Bursa efek Indonesia. Metode Penelitian menggunakan pendekatan kuantitatif dengan data sekunder berupa laporan keuangan bank umum sebanyak 43 bank yang terdaftar pada bursa efek Indonesia pada tahun 2019.  Untuk menguji data laporan keuangan menggunakan uji asumsi klasik berupa uji normalitas. Dalam menganalisis hasil penelitian digunakan uji koefesien determinasi (R²) dan uji parsial (uji T) dengan menggunakan alat statistic berupa SPSS 23. Hasil uji hipotesis lalu dideskripsikan dengan hasil penelitian bahwa kebijakan utang berpengaruh negative terhadap kinerja perusahaan dan kredit bermasalah berpengaruh positif terhadap kinerja perusahaan