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All Journal Operations Research: International Conference Series International Journal of Mathematics, Statistics, and Computing
Tenripada, Andi Sakinah Yan
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Mathematics

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Application of Expected Loss (EL) for Loan Loss Estimation Based on Loan Term Using Simulation Data Tenripada, Andi Sakinah Yan
International Journal of Mathematics, Statistics, and Computing Vol. 3 No. 1 (2025): International Journal of Mathematics, Statistics, and Computing
Publisher : Communication In Research And Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijmsc.v3i1.179

Abstract

This study aims to evaluate the effect of loan tenor on loan loss estimation using the Expected Loss (EL) model. Through this simulation data calculation, various scenarios with varying loan tenors show that loan tenors have a significant influence on the calculation of Expected Loss (EL). Longer tenors tend to increase the Expected Loss (EL) due to an increase in credit risk over time. The calculation results provide important implications for financial institutions in setting lending policies and managing credit risk.
Analysis of the Effect of Cash Ratio on Corporate Bankruptcy Risk: Case Study of Manufacturing Companies Tenripada, Andi Sakinah Yan; Wandira, Ika
Operations Research: International Conference Series Vol. 6 No. 2 (2025): Operations Research International Conference Series (ORICS), June 2025
Publisher : Indonesian Operations Research Association (IORA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47194/orics.v6i2.349

Abstract

This study aims to explore the relationship between cash ratio and bankruptcy risk using an empirical analysis approach, and relate it to the Altman Z-score model as an indicator of financial sustainability. By analyzing the financial statement data of companies listed on the stock exchange during the period 2019-2023, this study investigates the impact of liquidity measured by cash ratio on bankruptcy potential. Regression method is used to assess the relationship, while Altman Z-score serves as a tool to measure the financial health of the company. The results show that the cash ratio contributes little to reducing the risk of bankruptcy, yet firms with higher liquidity exhibit a better Z-score. These findings highlight the importance of liquidity management as a strategy to ensure the financial sustainability of firms in the face of bankruptcy challenges.
Co-Authors Wandira, Ika