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Analysis of Bad Credit at PT. State Savings Bank (BTN) David Gibson Nababan; Vetric Styven Silaban; Bunga Meylani Br Surbakti; Selvina Audina Nasution; Sabda Siahaan
Indonesian Journal of Business Analytics Vol. 3 No. 5 (2023): October 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v3i5.4155

Abstract

Bad credit (non-performing loans) at Bank BTN is a reason for investment decisions for the public and investors. By knowing bad credit in a company, it provides clearer information for making investments. This research was conducted to provide information about bad credit at BTN bank, which is one of the most trusted banks in Indonesia. It is hoped that this research will help the public increase their competency in how to invest through the value of bad credit or non-performing loans. This research aims to analyze the influence of bad credit on investment decisions at BTN bank. The research method used is a qualitative research method using Bank BTN financial report data regarding bad loans or non-performing loans from 2007 to 2022. This research suggests that investment decisions at Bank BTN can be based on the value of net bad loans which are still safe.
Expert Advisor Construction Using Fixed Fractional Money Management and Williams Percent-R Indicator In DAX-30 (DE30) Trading: Analysis on Zero Spread Account Vetric Styven Silaban; Haikal Rahman; Dedy Husrizal Syah
Economic: Journal Economic and Business Vol. 4 No. 4 (2025): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v4i4.1208

Abstract

This study aims to analyze the effectiveness of an automated strategy for trading the DAX-30 index through the construction of an Expert Advisor integrating the Williams Percent Range indicator and the Fixed Fractional Money Management method. The strategy was tested on a Zero Spread account, which offers zero spreads with a fixed commission per lot, to assess the impact of the fee structure on profitability. A prototype Expert Advisor was developed and tested using historical and real-time data on the MetaTrader 5 platform. Backtesting results showed that the combination of the Williams Percent Range indicator and the risk management method produced consistent performance, with an adequate profit ratio and controlled drawdown. Implementing the strategy on a Zero Spread account improved execution precision and risk calculation accuracy, significantly impacting equity curve consistency. Real-time testing demonstrated that eliminating variable spreads improved the validity of technical signals and the effectiveness of risk management. This study concluded that the combination of a technical approach and automated risk management can optimize trading strategy performance in volatile market conditions.