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Borneo Tarakan University
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The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Rahmawati, Meylin; Nainggolan, Yohanna Thresia
JURNAL ILMU MANAJEMEN Vol. 22 No. 2 (2025): DECEMBER 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i2.84118

Abstract

This study aims to analyse the effect of non-performing loans (NPLs), lending rates, and public savings on lending by commercial banks in North Kalimantan Province. The method used is a quantitative approach with secondary data from Bank Indonesia (BI) and the Financial Services Authority (OJK) in the form of monthly data for the period 2017–2022. The analysis was conducted using multiple linear regression with the assistance of Stata software. The results of the study indicate that NPLs do not have a significant effect on credit disbursement, either for working capital loans or investment loans. Credit interest rates do not affect working capital loans, but have a significant effect on investment loans. Meanwhile, public savings have a significant effect on credit disbursement for both types of loans. Simultaneously, all three variables have a significant impact on credit disbursement. These findings indicate that public savings are the primary factor in increasing credit disbursement, while NPLs are not the main obstacle. Additionally, interest rates have a greater impact on investment loans compared to working capital loans. These results can serve as a reference for banks in formulating credit disbursement strategies and for regulators in developing more effective banking policies.
The Impact Of Non-Performing Loans, Credit Interest Rates And Total Public Savings On Commercial Bank Loan Distribution Kartini, Kartini; Pratiwi, Sulistya Rini; Irna, Rizky Agusriyanti; Rahmawati, Meylin; Nainggolan, Yohanna Thresia
JURNAL ILMU MANAJEMEN Vol. 22 No. 2 (2025): DECEMBER 2025
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jim.v22i2.84118

Abstract

This study aims to analyse the effect of non-performing loans (NPLs), lending rates, and public savings on lending by commercial banks in North Kalimantan Province. The method used is a quantitative approach with secondary data from Bank Indonesia (BI) and the Financial Services Authority (OJK) in the form of monthly data for the period 2017–2022. The analysis was conducted using multiple linear regression with the assistance of Stata software. The results of the study indicate that NPLs do not have a significant effect on credit disbursement, either for working capital loans or investment loans. Credit interest rates do not affect working capital loans, but have a significant effect on investment loans. Meanwhile, public savings have a significant effect on credit disbursement for both types of loans. Simultaneously, all three variables have a significant impact on credit disbursement. These findings indicate that public savings are the primary factor in increasing credit disbursement, while NPLs are not the main obstacle. Additionally, interest rates have a greater impact on investment loans compared to working capital loans. These results can serve as a reference for banks in formulating credit disbursement strategies and for regulators in developing more effective banking policies.
Green Marketing Strategies for Circular Economy Products: The Moderating Effect of Perceived Greenwashing among Consumers Meylin Rahmawati; Sulistya Rini Pratiwi; Rizky Agusriyanti Irna; Kartini Kartini; Yohana Thresia Nainggolan; Djuanda Hatta
Fundamental and Applied Management Journal Vol. 3 No. 2 (2025): Fundamental and Applied Management Journal
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v3i2.247

Abstract

This study investigates the effects of green marketing strategies namely green brand positioning (GBP), brand storytelling (BST), and consumer environmental knowledge (CEK) on purchase intention (PI) toward circular economy products, with perceived greenwashing (PGW) as a moderating variable. A quantitative survey was conducted with 138 respondents in Tarakan City, North Kalimantan, Indonesia, selected through purposive sampling. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS), including assessment of both measurement and structural models. The measurement model demonstrates satisfactory reliability and validity (CR > 0.70; AVE > 0.50; adequate discriminant validity). Structural results show that brand storytelling has the strongest positive effect on purchase intention (β = 0.387; p < 0.001), followed by green brand positioning (β = 0.298; p < 0.001) and consumer environmental knowledge (β = 0.231; p < 0.01). Perceived greenwashing negatively moderates the relationship between brand storytelling and purchase intention (β = –0.184; p < 0.05), indicating that skepticism toward environmental claims weakens the persuasive impact of brand narratives. The model explains 71.3% of the variance in purchase intention (R² = 0.713). These findings suggest that consumers are willing to support circular products when sustainability claims are perceived as credible.
From Linear to Circular: Empirical Evidence of Circular Economy Adoption and Willingness to Pay in an Indonesian Coastal City Meylin Rahmawati; Sulistya Rini Pratiwi; Anindya Arman Putri; Rizky Agusriyanti Irna; Kartini Kartini
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 1 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i1.28

Abstract

This study aims to: (1) estimate WTP and aggregate waste fee revenue potential; (2) evaluate community preferences for six CE strategies and their fiscal feasibility; (3) identify determinants of WTP using binary logistic regression; and (4) formulate an evidence-based policy portfolio to close the financing gap in Tarakan City's waste management system. Using CVM and binary logistic regression on 350 households (2024): (1) mean WTP of IDR 174,500/household/year yields IDR 3.93 billion/year aggregate (95% CI: IDR 3.60–4.26 billion) or 71% cost recovery; (2) CE strategy BCR hierarchy: reduce (∞) > reuse/recovery/sorting (1.46) > recycle (0.73) > repair (0.29); (3) Income (OR=2.14; p<0.05) and Education (OR=1.87; p<0.05) are the only significant WTP determinants — confirming the value-action gap and falsifying the information deficit model; (4) a three-level policy portfolio achieves near-full fiscal self-sufficiency (≈99.8% cost recovery) through progressive tariffs and recycling monetization.
Co-Authors Ady Saputra Agusriyanti, Rizky Al Zahra, Maya Nur Al’idrus, Muhammad Anindya Arman Putri Ayuningtyas, Niken Balloteng, Bunga Najwa Charitin Devi Christinawati Putri, Ferica Djuanda Hatta Dwi Wulandari, Rizki Ersah Atthbarry Rahmadinata Fadhlan Muchlas Abrori Ferica Christinawati Putri Ferrica Christinawati Putri Hasbi Ananta, Nadila hatta, djuanda Irna, Mardiyah Istianah Asas Jasmine, Nur Azizah Sekar Lisdawati Lisdawati Marvin, Miranda Meylin Rahmawati Muhammad Muaz Ihsan MULYADI Nainggolan, Yohanna Thresia Najwa Balloteng, Bunga Nova Fitriana Nursia Nursia Nurtang Marlianti Pratiwi, sulistya rini Pratiwi, Sulitya Rini Putri, Ferica C Putri, Ferica Christinawati Rahmatullah, Dedy Rahmawati, Meylin Rahmi Nur Islami Ricky Fernandez Tobing Rika Wahyuni Rini Pratiwi, Sulistya Rizky Agusriyanti Rizky Agusriyanti Irna Rizky Agusriyanti Irna Roby Zulkarnain Noer Septian, Septian Shinta Tri Kismanti Silvia Margaret Sucahyo Mas'an Al Wahid Sulistya Rini Pratiwi Sulistya Rini Pratiwi Sulistya Rini Pratiwi Sulistya Rini Pratiwi Suriani Suseno Hadi Purnomo Syaiful Anwar Tanti Try Lestari Thresia Nainggolan, Yohanna Utomo, Mohamad Nur Wahyuni Arsianti, Rika Winata, Michelle Yohana Thresia Nainggolan Yohanna Thresia Nainggolan Yun, Wong Sing