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All Journal Jurnal Manajemen dan Organisasi Jurnal Administrasi Bisnis JURNAL ILMIAH MANAJEMEN & BISNIS Journal of Economic, Bussines and Accounting (COSTING) MABIS: Manajemen dan Bisnis Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Informatika IDEI: Jurnal Ekonomi & Bisnis INFOKUM Jurnal Manajemen Bisnis Eka Prasetya Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Attarbiyyah: Jurnal Ilmu Pendidikan Islam Inovatif: Jurnal Ekononi, Manajemen, Akuntansi, Bisnis Digital dan Kewirausahaan Mount Hope Global Economic Journal Jurnal Ekonomi Bisnis Digital
Zuwina Miraza
Universitas Harapan Medan
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences Other

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ANALYSIS OF THE ROLE OF DPK, CAR, NPL IN DISTRIBUTING BANK LOANS TO UMKM Br. Sebayang, Jesy Ulina; Napitupulu, Marsya; Syah Putri, Tantri Octora Dwi; Miraza, Zuwina
Mount Hope Economic Global Journal Vol. 3 No. 1 (2025)
Publisher : Institut Teknologi dan Bisnis Kristen Bukit Pengharapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/mega.v3i1.659

Abstract

This research paper analyzes the role of Third Party Funds (TPF), Capital Adequacy Ratio (CAR), and Non-Performing Loans (NPL) in the distribution of bank loans to Micro, Small, and Medium Enterprises (UMKM) in Indonesia. This study uses a quantitative approach, utilizing secondary data sources to assess the impact of these financial indicators on bank lending practices. It highlights the importance of UMKM as a critical component of the Indonesian economy, accounting for a large percentage of business forms in the ASEAN region, ranging from 88.8% to 99.9%. The findings show that Third Party Funds, measured using the natural logarithm to normalize the data distribution, play a significant role in facilitating bank lending. Furthermore, the study highlights the negative and significant influence of NPL on credit distribution, where a higher NPL ratio indicates increased credit risk for banks. Furthermore, the study discusses the importance of CAR as a measure of a bank’s financial health, showing that higher CAR is correlated with better lending capacity. Overall, this paper emphasizes the interconnectedness of these financial metrics and their collective impact on improving the accessibility of bank loans for UMKM, which is critical for economic growth and poverty alleviation in Indonesia.
THE INFLUENCE OF INSTAGRAM SOCIAL MEDIA USE, ENTREPRENEURSHIP LEARNING, AND LOCUS OF CONTROL ON INTEREST IN ONLINE ENTREPRENEURSHIP WITH SELF EFFICACY AS A MEDIATION VARIABLE Zuwina Miraza; Eka Putri; Ilham Mubaraq Ritonga
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 6 (2025): MAY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i6.748

Abstract

This research aims to determine the influence of the use of social media Instagram, entrepreneurial learning, and locus of control on interest in online entrepreneurship with self-efficacy as a mediating variable in students at the business economics faculty in Medan City, Stambuk University in 2018, 2019, and 2020. SmartPLS is used to test the relationship between constructs. The entire population used in this research was 200 respondents from the Faculty of Business Economics in Medan Stambuk City in 2018, 2019, and 2020 who had taken entrepreneurship courses. The results of the research show that the use of social media Instagram has no significant effect on self-efficacy and interest in online entrepreneurship, entrepreneurship learning has a significant effect on self-efficacy, entrepreneurship learning has no significant effect on interest in online entrepreneurship, locus of control has no significant effect on self-efficacy and interest in online entrepreneurship, Self-efficacy has a positive effect on interest in online entrepreneurship. The use of social media Instagram does not have a significant effect on interest in online entrepreneurship through self-efficacy. Entrepreneurship learning does not have a significant effect on interest in online entrepreneurship through self- efficacy. Self-efficacy has a significant effect on interest in online entrepreneurship through self-efficacy.
Co-Authors Ani Murwani Muhar Anjelisa Paulina Kristin Siregar Arasy Ayu Setiamy Audia Junita Bella Marisa Putri Br. Sebayang, Jesy Ulina Dwi Hanny Khairunissa Eka Putri Erliena Erliena Fadhila, Rahma Farhan Habib Siregar Feri Ramadani Fifi Dwi Pratiwi Hafriz Rifki Hafas Hutabarat, Oktavia Arisanti Ilham Mubaraq Ritonga, Ilham Mubaraq Lastri Nabilah Nabilah, Tia Nahrisah, Ezzah Nahrisah, Ezzah Napitupulu, Marsya Pangabean, Royhan Kamal Purwoko, Agus Putri, Tantri Octora Dwi Syah Syah Putri, Tantri Octora Dwi Syahyunan Syahyunan syahyunan syahyunan Tantri Octora Dwi Syah Putri Tarigan, Jelli Titania, Febby Elda Tommy Afrialdi Syahputra Winda Ardiani Zuslaini, Ulfi