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ANALYZING THE LEVEL OF CREDIT FAILURE USING THE AUTOREGRESSIVE DISTRIBUTED LAG TO MAINTAIN STABILITY OF COMMERCIAL BANKS IN MALUKU PROVINCE Lewaherilla, Norisca; Sinay, Lexy Janzen; Damamain, Ferina Lestari; Sopaheluwakan, Marsa
BAREKENG: Jurnal Ilmu Matematika dan Terapan Vol 19 No 2 (2025): BAREKENG: Journal of Mathematics and Its Application
Publisher : PATTIMURA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/barekengvol19iss2pp843-860

Abstract

Commercial banks are banks that carry out business activities conventionally and or based on sharia principles, which in their activities provide services in payment traffic. The health level of a commercial bank is the result of an assessment of the bank's condition based on risk and bank performance. Commercial Bank performance assessment can use the proxy of asset ownership, namely Return on Assets (ROA). While the risk assessment of commercial banks can use the credit risk proxy used is the Non-Performing Loan (NPL) ratio. The purpose of this study is to examine the Health Level of Commercial Banks in Maluku Province using ROA and NPL based on bank internal factors (bank specific) and macro and micro economic conditions in Maluku Province. The data used is quarterly time series data, namely in the first quarter of 2014 - first quarter of 2022. The method used is multivariate time series data analysis, namely the Autoregressive Distributed Lag (ARDL) model. The results obtained are the Health Level of Commercial Banks in Maluku Province in the first quarter of 2014 - first quarter of 2022 is classified as healthy and stable, even though the Maluku economy is experiencing the impact of the COVID-19 Pandemic. Internal (specific) bank factors are very dominant in influencing the performance and risk of Commercial Banks in Maluku Province compared to macro and micro economic factors. This means that the policies and performance of all parties related to Maluku's economic conditions need to be improved in maintaining the stability and soundness of commercial banks. In general, the performance of all parties in maintaining the health level of Commercial Banks in Maluku Province is very good, especially during the COVID-19 Pandemic.
APPLICATION OF COX PROPORTIONAL HAZARD REGRESSION FOR ANALYZING FACTORS INFLUENCING THE RECOVERY RATE OF PULMONARY TUBERCULOSIS PATIENTS Irfanullah, Asrul; Damamain, Ferina Lestari; Tuanaya, Nur Amaliya
BAREKENG: Jurnal Ilmu Matematika dan Terapan Vol 18 No 2 (2024): BAREKENG: Journal of Mathematics and Its Application
Publisher : PATTIMURA UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/barekengvol18iss2pp0987-0996

Abstract

Pulmonary tuberculosis is a serious disease that requires special attention from the community and the Government of Indonesia, especially the Maluku Province. One commonly used analytical method in the health field is survival analysis. Survival analysis is a statistical method related to observing the period until the occurrence of an event or events. This study aims to model and identify factors that affect the recovery rate of patients with pulmonary tuberculosis in Ambon City using Cox Proportional Hazard regression. The results of the Hazard Ratio interpretation show that the variables that have a significant influence are chest pain and night sweats. Specifically, patients experiencing chest pain exhibit a recovery rate 0.487264 times faster than those devoid of such symptoms. Similarly, patients experiencing night sweats demonstrate a recovery rate of 0.619839 times faster than their counterparts not experiencing this symptom. This study highlights the imperative of recognizing and addressing symptoms like chest pain and night sweats in managing pulmonary tuberculosis in Ambon City.