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Strengthening Women’s Roles Through Banking Support for Sustianable Maritime Sector Development Lasty Agustuty; St. Ramlah; Aulia Damayanti; Patimah Patimah
Al-Buhuts Vol. 21 No. 2 (2025): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v21i2.6887

Abstract

This study aims to analyze the factors influencing business credit disbursement by banks and their impact on increasing the capacity of MSMEs and sustainable economic growth. The sample in this study was women entrepreneurs in the coastal tourist area of Bulukumba Regency. The analytical method used was a mixed-method approach, with quantitative measures using path analysis and qualitative measures using a hermeneutic approach. The results indicate that the credit security system banks offer is an essential factor in entrepreneurs' credit decision-making. Furthermore, the results also demonstrate the influence of bank credit disbursement on increasing the capacity of MSMEs, both in terms of income and capability. This increase in business capacity can ultimately impact the country's economic growth
Net Interest Margin, Non-performing Loans, Capital Education Ratio, to Return on Assets of BUMN Banks Listed On The Indonesia Stock Exchange Hariyanti Hariyanti; Salmiyah Thaha; Lasty Agustuty D
Jurnal Ilmu Manajemen Profitability Vol. 8 No. 1 (2024): FEBRUARI 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v8i1.14190

Abstract

This study aims to analyze the Net Interest Margin, Non-performing Loans, Capital Education  Ratio, to Return on Assets of BUMN Banks Listed On The Indonesia Stock Exchange. The type of data used in this research is quantitative and qualitative data while the data source used is secondary data. The research was conducted using data from annual published financial reports for a period of 10 years, from 2012 to 2021. The research variables consisted of the independent variables, namely NIM, NPL, CAR, and the dependent variable, namely ROA. The analytical method used is multiple linear regression analysis, and hypothesis testing. Net Interest Margin at BUMN banks has a significant influence on return on assets. Non-performing loans at Bank Mandiri have a significant influence on return on assets, meanwhile at Bank BTN, BRI and BNI, they have no significant effect on return on assets. Capital Education Ratio at BRI bank has a significant effect on return on assets, meanwhile Bank Mandiri, BTN, and BNI have no significant effect on return on assets.