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All Journal International Journal of Multi Discipline Science (IJ-MDS) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) JEBA
Windhu Putra
Universitas Tanjungpura, Pontianak
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Library & Information Science Social Sciences

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The Effect of Credit Circulation, Loan to Deposit Ratio (LDR), and Interest Rate on Return On Assets (ROA) Due to Non-Performing Loan (NPL) on Credit Unions in Indonesia Sabinus Beni; Windhu Putra; Nurul Bariyah
International Journal of Multi Discipline Science Vol 6, No 1 (2023): Volume 6 Number 1 February 2023
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/ij-mds.v6i1.3797

Abstract

Credit Unions or commonly known as CUs are quite developed in Indonesia, especially on the island of Kalimantan. One of the Credit Cooperative Centers that house Primary CU in Indonesia has service areas in 34 Provinces in Indonesia, namely the Credit Union Credit Cooperative Center Indonesia (PUSKOPCUINA). The CU under the auspices of the PUSKOPCUINA movement has grown very well and has become a reference for CUs in Indonesia in terms of development and empowerment. CU's contribution is still not significant in boosting national economic growth, so more comprehensive research is needed. The development of CU in Indonesia is inseparable from the development of the Return On Assets (ROA) contained in the CU. The Kalimantan credit union movement is under the auspices of PUSKOPCUINA which has different regional and cultural characteristics. This is what researchers see as necessary to research the Effect of Outstanding Credit, Loan to Deposit Ratio (LDR), and Loan Interest Rates on Return On Assets (ROA) Due to Default Credit (NPL) at Credit Unions in Indonesia. The research objective was to test and formulate solutions to problems arising from the influence of Outstanding Credit, Loan to Deposit Ratio and Loan Interest Rates on Return On Assets due to Non-Performing Loans. The method used was quantitative research with Path Analysis in the data processing. The research population was the CU movement in Indonesia with a sample of 40 CUs under PUSKOPCUINA. The data used was outstanding credit data, Loan to Deposit ratio, non-performing loans, loan interest rates, and return on assets of 40 CU at PUSKOPCUINA in 2015-2019 with the model used to analyze panel data called the panel data model analyzed using Path Analysis. The results of the study showed that the Loan to Deposit ratio, non-performing loans, and loan interest rates had a significant effect on the return on assets of CUs in Indonesia.
Effect of Outstanding Credit Volume, Loan to Deposite Ratio, Loan Interst Rate On Credit Union Return On Assets In Indonesia Sabinus Beni; Windhu Putra; Nurul Bariyah
Journal of Economic and Business Analysis Vol. 1 No. 1 (2023): June
Publisher : Business Finence Analyst Co.,

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Abstract

This study aimed to analyze the factors that affect Non-Performing Loan (NPL) risk in credit unions and factors that affect Return On Assets (ROA) in cooperatives. The study found that credit unions could minimize NPL risk by utilizing social networks according to the theory of social capital, and by ensuring that management and members share the same goals in managing credit risk according to the agency theory. The microfinance theory suggests that credit unions should provide appropriate financing. Multiple linear regression analysis indicated a significant influence of Loan to Deposit Ratio and Loan Interest Rate on ROA. Thus, credit unions should consider the use of deposit funds and set appropriate interest rates to increase ROA and strengthen member relationships. In managing credit risk, credit unions can utilize the theories of social capital, agency, and microfinance.
GOVERNMENT EXPENDITURES AND REGIONAL DEVELOPMENT Fitri Wahyuni; Windhu Putra; Erni Panca Kurniasih
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 2 (2026): Edisi Mei - Agustus 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i2.7709

Abstract

The relationship between government expenditures and economic growth is an important topic to analyze. Disagreements among economists and the results of previous studies show inconsistent findings across regions. This study aims to examine whether there is a two-way causal relationship between government expenditures and economic growth (growth rate of GRDP at Constant Prices, Poverty Depth Index, Poverty Severity Index, Human Development Index, and Gini index). This study used annual panel data from 14 regencies/cities in West Kalimantan province with a Vector Error Correction Model (VECM) analysis, using E-views 10 as the analytical tool. The results of this study have not proven a two-way causal relationship for any variable. There was no two-way or one-way causal relationship (in the period before and after the pandemic) for the variables Growth Rate, P2, and GINI (neutrality relationship). In the period before the Covid-19 pandemic, there was a one-way causal relationship between P1 and LOGGE (government expenditure) under Wagner's Law, and between LOGGE (government expenditure) and HDI under Keynesian theory. Meanwhile, in the post-pandemic period, there is a causal relationship between HDI and LOGGE (Wagner's Law). The primary driver of regional economic growth cannot yet be attributed to government expenditure. Given the pooled time-series approach applied to a panel-structured dataset, these findings should be regarded as preliminary and exploratory, warranting confirmation through a dynamic panel (PVECM/PVAR) approach.
Co-Authors Erni Panca Kurniasih Fitri Wahyuni Nurul Bariyah Sabinus Beni