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All Journal Benefit: Jurnal Manajemen dan Bisnis Asian Journal of Social and Humanities
Djokosantoso Moeljono, Djokosantoso
Unknown Affiliation
Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice

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GOOD CORPORATE CULTURE Moeljono, Djokosantoso
Benefit Volume 9 No 2 Desember 2005
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

This article discusses corporate culture in business. In this paper, good corporate culture is themain corporate culture, which influences company performance. There are several principal componentsin good corporate culture; they are transparency, accountability, and appropriateness. This article alsodiscusses corporate culture of BRI. There are integrity, professionalism, customer satisfaction, andhuman resource development
GOOD CORPORATE CULTURE Moeljono, Djokosantoso
Benefit: Jurnal Manajemen dan Bisnis Benefit : Kumpulan Makalah Diskusi Dosen FE UMS Volume 9 No 2 Desember 2005
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/benefit.v9i2.1213

Abstract

This article discusses corporate culture in business. In this paper, good corporate culture is themain corporate culture, which influences company performance. There are several principal componentsin good corporate culture; they are transparency, accountability, and appropriateness. This article alsodiscusses corporate culture of BRI. There are integrity, professionalism, customer satisfaction, andhuman resource development
Evaluating Microcredit: Effects of the 5Cs of Credit Analysis and Entrepreneur Characteristics on Loan Performance among MSMEs in Yogyakarta Joenoes, Kartini Sally Hb; Sugiyanto, Catur; Sukamdi, Sukamdi; Moeljono, Djokosantoso
Asian Journal of Social and Humanities Vol. 3 No. 7 (2025): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v3i7.546

Abstract

Micro, small, and medium enterprises (MSMEs) have a significant role in the national economy, creating jobs opportunities, increasing Gross Domestic Product (GDP), and promoting credit stability during times of crisis. However, MSMEs frequently face obstacles when attempting to access financial resources. Although the Indonesia government has implemented several measures to support MSMEs, such as the credit relaxation policy, the risk of loan non-performance loan remains tangible. This study seeks to identify the dominant factors underpinning MSMEs' failure to repay their loans focusing on 5Cs of credit analysis and characteristics of individual entrepreneurs. This study finds that the principles identified in the 5Cs of credit analysis are significantly and negatively correlated with non-performing loans, while the characteristics of individual entrepreneurs is not significantly correlated. Of the 5Cs of credit analysis, capacity and collateral are identified as the most determinant factors behind non-performing loans, though this finding differs from those of several previous studies. Meanwhile this study provides important insight which will enable the banking industry and policymakers to mitigate the credit risks experienced by MSMEs and promote the future sustainability of this sector.
Co-Authors Catur Sugiyanto Joenoes, Kartini Sally Hb Sukamdi