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All Journal JEKPEND Jurnal Ekonomi dan Pendidikan Jurnal Ilmiah Administrasita' Journal of Entrepreneur, Business and Management
Andi Aswan
Universitas Hasanuddin
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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INTERNAL DETERMINANT OF COMMERCIAL BANKS LENDING BEHAVIOR TO MICRO BUSINESS (A CASE STUDY OF SOUTH AND WEST SULAWESI PROVINCE IN INDONESIA) Andi Aswan; Bintang Balele
Jurnal Ilmiah Administrasita' Vol. 6 No. 2 (2015): Edisi Desember
Publisher : Program Studi Administrasi Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47030/administrasita.v6i2.187

Abstract

Penelitian ini megidentifikasi faktor-faktor internal yang dapat membuat bank cabang komersil di Provinsi Sulawesi Selatan dan Barat tidak dapat atau enggan melakukan ekspansi kredit pada sektor usaha mikro. Berdasarkan hasil kajian dari berbagai literatur dan data yang diperoleh dari Bank Indonesia diketahui bahwa usaha mikro pada umum mengalami kesulitan untuk mendapatkan fasilitas kredit dari bank komersil sehingga sejumlah usaha mikro secara terpaksa mengambil pinjaman pada rentenir atau lembaga pinjaman lain yang terdaftar maupun tidak terdaftar. Akibatnya, mereka harus menanggung tingkat bunga pinjaman yang sangat besar hingga dapat mencapai 5% perbulan. Hal ini tentu sangat berdampak pada pengembangan dan kelanjutan usaha mereka. Penelitian ini menggunakan metode Stuctural Equation Modelling (SEM) untuk menguji hubungan laten variabel dan menggunakan Confirmatory Factor Analysis (CFA) untuk menguji realibilitas dan validitas latent variabel sekaligus menganalisa indikator-indikator yang dimiliki oleh kedua variabel tersebut. AlatLatent Variabel yang digunakan dalam penelitian ini adalah laten variabel faktor internal yang didefinisikan oleh ketersediaan dana pada bank cabang, peran manajer bank cabang, kebijakan kredit bank cabang, dan tingkat bunga pinjaman. Kinerja kredit dijelaskan oleh indikator profitabilitas, kredit macet, dan volume kredit pada usaha mikro. Penelitian ini menggunakan sampel sebanyak 197 petugas kredit (Loan officers) mikro pada tingkat bank cabang pemerintah, swasta, bank asing dan campuran, serta bank daerah di 25 kabupaten/kota di wilayah Provinsi Sulawesi Selatan. Berdasarkan pengujian reliabilitas dan validitas terhadap konstrak variabel, hasil statistik menunjukan bahwa kedua variabel tersebut valid dan handal. Pengujian terhadap indikator variabel juga menujukkan hasil signifikan. Artinya, setiap indikator yang diteliti dapat digunakan untuk menjelaskan variabel latennya. Berdasarkan pengujian dengan menggunakan SEM, hasil penelitian menunjukkan bahwa terdapat hubungan yang sangat kuat antara kemampuan internal bank dengan kinerja penyaluran kredit pada usaha mikro. Hal ini berarti bahwa faktor internal yang dijelaskan oleh ketersediaan dana, peran manajer, kebijakan pinjaman bank cabang, dan tingkat bunga mempengaruhi keputusan bank cabang dalam menyalurkan kredik usaha mikro. Faktor internal tersebut dapat membuat bank enggan atau tidak mampu untuk menyalurkan kredit pada usaha mikro, dan berdampak pada tingkat profitabilitas, volume kredit dan kredit macet yang dimiliki oleh bank cabang.
The Analysis of Risk Level Effect on Credit Decision Making nurul ilmi hairullah; Muhammad Sobarsyah; Andi Aswan
JEKPEND: Jurnal Ekonomi dan Pendidikan Vol 5, No 1 (2022): Januari
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jekpend.v5i1.30931

Abstract

The study aims to determine the risk level of credit decision making. The research is descriptive qualitative. The research is conducted in PT. Bank Rakyat Indonesia (Persero) Tbk. Makassar. Methods of collecting data uses library research method and field research method. The research data uses qualitative data obtained from the results of literature study. In addition to qualitative data, it is also used financial reports for three years. The results of this research indicated that to anticipate non-performing loans, the specifications of prospective debtors were carried out in each credit-granting process. In granting credit, the specifications for the prospective debtor must be carried out.
Resilient Investments in a Fragmented World Trade Conflicts, Environmental Governance, and the Future of Sustainable Growth Sri Eka NurBasmawati; Andi Aswan; Abdul Rahman Laba
Journal of Entrepreneur, Business and Management Vol 4, No 1 (2026): Journal of Entrepreneur, Business and Management
Publisher : Entrepreneurship Undergraduate Program at Amkop Business School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/jebm.v4i1.232

Abstract

Traditional investment models that prioritize efficiency and cost minimization are becoming increasingly vulnerable to supply chain disruptions, regulatory uncertainty, and climate-related risks. This study aims to examine the interrelationship between trade conflicts, environmental governance, and resilient investment strategies in promoting sustainable economic growth. Using a qualitative approach based on an extensive review of academic literature, international policy reports, and empirical evidence, the study explores how governments, businesses, and financial institutions adapt investment decisions in response to evolving geopolitical and environmental conditions. The findings indicate that resilient investments are characterized by supply chain diversification, strategic resource allocation, technological innovation, and the integration of Environmental, Social, and Governance (ESG) principles. Environmental governance, through climate policies, sustainability regulations, and green finance initiatives, plays a crucial role in redirecting capital toward low-carbon and environmentally responsible sectors. Meanwhile, trade conflicts encourage firms to strengthen regional production networks and reduce dependence on high-risk markets, thereby enhancing long-term investment resilience. The study further reveals that resilient investment serves not only as a mechanism for mitigating economic and geopolitical risks but also as a strategic instrument for achieving sustainable development objectives. The research contributes to the growing literature by providing an integrated framework that connects trade fragmentation, environmental governance, and investment resilience within the broader context of sustainable economic transformation. The findings offer practical implications for policymakers, investors, and multinational corporations in designing adaptive investment strategies capable of supporting inclusive, competitive, and environmentally sustainable growth in an increasingly uncertain global economy.Keywords: resilient investment; trade conflicts; geopolitical fragmentation; environmental governance; sustainable finance; ESG; sustainable growth; green investment
Co-Authors Abdul Rahman Laba Bintang Balele Muhammad Sobarsyah nurul ilmi hairullah Sri Eka NurBasmawati