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p-Index From 2021 - 2026
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All Journal Cenderabakti: Jurnal Pengabdian Kepada Masyarakat International Journal of Applied Business and International Management
Hasan Basri Umar
Universitas Cenderawasih
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Public Health Social Sciences

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Prospek Pengembangan Ekonomi Berbasis Syariah di Era Globalisasi Hasan Basri Umar; Ratna Mufida
Cenderabakti: Jurnal Pengabdian Kepada Masyarakat Vol 1 No 2 (2022): Periode Oktober
Publisher : Jurusan Manajemen dan Bisnis Fakultas Ekonomi dan Bisnis Universitas Cenderawasih

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (362.548 KB) | DOI: 10.55264/cdb.v1i2.13

Abstract

The purpose of this service is to provide education and knowledge about the Prospects of Sharia Economic Development for Muslims around the Nurul Huda Expo Waena Mosque - Jayapura City. The service method used is lectures and surveys with questionnaires. This service was welcomed by the congregation of the Nurul Huda Expo Waena Mosque, this kind of service needs to be provided with assistance and sustainability to add insight into sharia-based economic development in the era of globalization.
Credit Restructuring Policy and Its Impact on Banking Financial Performance: Case Study at Bank in Papua Hasan Basri Umar; Michael J. Kespo
International Journal of Applied Business and International Management Vol 9, No 3 (2024): December 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v9i3.3597

Abstract

The COVID-19 pandemic significantly disrupted global economies, including Indonesia's banking sector, compelling banks to implement credit restructuring policies to support struggling businesses. This study examines the impact of Bank Papua's credit restructuring policy on debtor businesses and the bank's financial performance across three periods: before, during, and after the COVID-19 pandemic. Key performance indicators analyzed include LDR, ROA, NIM, and NPL. This study uses a Paired Sample T-test for data analysis. The findings show that the credit restructuring policy during COVID-19 had no significant impact on Bank Papua's financial performance, as all hypotheses (H1–H4) were rejected. The LDR remained stable, indicating effective liquidity management despite economic challenges. ROA showed no significant changes, reflecting steady profitability despite business disruptions. NIM experienced minor fluctuations during the pandemic due to adjustments for restructured loans but stabilized post-pandemic. Although NPL levels increased due to debtors' financial struggles, they remained within acceptable regulatory limits, demonstrating effective credit risk management. Overall, the restructuring policy provided relief to debtors but had minimal impact on the bank's financial indicators, highlighting the importance of balancing debtor support with maintaining financial stability during economic crises.
Co-Authors Michael J. Kespo Ratna Mufida