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All Journal International Journal of Application on Economics and Business AL-DALIL: Jurnal Ilmu Sosial, Politik, dan Hukum
Yola, Yola
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Aspek-Aspek Perkreditan dalam Pemborongan Bangunan Ramadhan, Arif; Risnawati, Risnawati; Utami, Silvi Agustina; Afdaruqutni, Yoepi; Yola, Yola; Syaputra, Didi
AL-DALIL: Jurnal Ilmu Sosial, Politik, dan Hukum Vol. 2 No. 2 (2024): AL-DALIL: Jurnal Ilmu Sosial, Politik, dan Hukum
Publisher : Indra Institute Research & Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58707/aldalil.v2i2.517

Abstract

Credit in the building contracting industry plays an important role in achieving project success and protecting the interests of banks and related parties. Careful credit evaluation, use of appropriate collateral, effective credit management, and the bank's active role in supervising project progress are key factors in building contractor loans. In addition, effective dispute resolution, attention to risk factors, and integration of environmental aspects are also important in maintaining the smooth running of building contracts. By complying with applicable legal regulations, banks can carry out credit activities in a trusted manner, protect the interests of related parties, and ensure the economic and environmental sustainability of projects.
THE EFFECT OF PROFITABILITY, INCOME DIVERSIFICATION, BANK CAPITAL, BANK EFFICIENCY ON NON PERFORMING LOAN IN THE BANKING SECTOR COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE 2021-2023 Yola, Yola; Imelda, Elsa
International Journal of Application on Economics and Business Vol. 3 No. 2 (2025): May 2025
Publisher : Graduate Program of Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/ijaeb.v3i2.834-845

Abstract

The stability of the banking sector acts as key factor in maintaining the sustainability of the financial system, bank's operating income will be greater if many customers pay loans and interest, but it will be problem if borrower cannot return the credit. This study aims to determine the effect of profitability, income diversification, bank capital, and bank efficiency on NPLs banking companies listed on the IDX 2021-2023. Total sample obtained was 30 samples of banking companies. This test uses multiple linear regression based on panel data using Eviews 12 software. The results of this study indicate the variables that have significant effect on NPL are profitability negatively and bank efficiency positively. Bank capital and income diversification variables have an insignificant relationship with NPLs. Based on the results of this study, it’s expected the company can maintain good level of profitability so that it can defend from NPLs, the company suggested to maintain the level of capital owned, carry out cost management efficiency considerately, besides that banks also advised to have other sources income as a form of diversification and not depend on one source while using careful evaluation therefore not create NPL risks. In addition, the purpose of this study also to prove influence factors that contribute to NPLs to be more consistent and expected to contribute to all academics as well practitioners regarding the results affecting NPLs and used as basis for research and banks in implementing more effective management strategies so that national financial health could maintained.
Co-Authors Afdaruqutni, Yoepi Elsa Imelda Ramadhan, Arif Risnawati Risnawati Syaputra, Didi Utami, Silvi Agustina