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Credit Restructuring Policy and Its Impact on Banking Financial Performance: Case Study at Bank in Papua Umar, Hasan Basri; Kespo, Michael J.
International Journal of Applied Business and International Management Vol 9, No 3 (2024): December 2024
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v9i3.3597

The COVID-19 pandemic significantly disrupted global economies, including Indonesia's banking sector, compelling banks to implement credit restructuring policies to support struggling businesses. This study examines the impact of Bank Papua's credit restructuring policy on debtor businesses and the bank's financial performance across three periods: before, during, and after the COVID-19 pandemic. Key performance indicators analyzed include LDR, ROA, NIM, and NPL. This study uses a Paired Sample T-test for data analysis. The findings show that the credit restructuring policy during COVID-19 had no significant impact on Bank Papua's financial performance, as all hypotheses (H1–H4) were rejected. The LDR remained stable, indicating effective liquidity management despite economic challenges. ROA showed no significant changes, reflecting steady profitability despite business disruptions. NIM experienced minor fluctuations during the pandemic due to adjustments for restructured loans but stabilized post-pandemic. Although NPL levels increased due to debtors' financial struggles, they remained within acceptable regulatory limits, demonstrating effective credit risk management. Overall, the restructuring policy provided relief to debtors but had minimal impact on the bank's financial indicators, highlighting the importance of balancing debtor support with maintaining financial stability during economic crises.

The influence of local government policy on the cultural wisdom of noken use by civil servants (ASN) on the productivity and income of papuan women noken artisans in Mimika Baru District, Mimika Regency Aula, Andreas; Umar, Hasan Basri; Hafizrianda, Yundy
Journal of Multidisciplinary Academic and Practice Studies Vol. 2 No. 3 (2024): August
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomaps.v2i3.3403

Purpose: This study examines the influence of local government policy mandating noken use among civil servants (ASN) on the productivity and income of mama-mama Papua artisans in Mimika Baru District, Mimika Regency. The policy aims to preserve cultural heritage while enhancing the economic empowerment of Papuan women through the traditional craft of noken, recognized by UNESCO as intangible cultural heritage Research/methodology: The research employed a quantitative survey approach with 35 respondents selected through accidental sampling from a population of 350 artisans. Data were collected via questionnaires, interviews, and observations, and analyzed using Path Analysis supported by SPSS software Results: The findings indicate that the noken use policy has a positive and significant effect on both artisan productivity (coefficient = 0.3524; p = 0.0379) and income (coefficient = 0.2846; p = 0.0442). The policy has increased demand, encouraging higher production, better product quality, and improved selling prices. However, 54% of artisans still fall within the low-income category, earning below IDR 1,450,000 per month. Conclusions: While the policy supports cultural preservation and economic growth, artisans continue to face challenges such as limited market access, lack of regeneration among younger artisans, and inadequate training. Limitations: The study is geographically limited to one district and focuses only on productivity and income. Contribution: This research highlights the role of cultural wisdom-based policies in strengthening creative economies and suggests entrepreneurship training, digital marketing, and improved distribution facilities as complementary strategies.

Analisis Dampak Belanja Daerah Terhadap Kemiskinan Di Provinsi Papua Melalui Pertumbuhan Ekonomi Dan Pendapatan Per Kapita (Periode 2010-2021) Tappi, Verdi Payung; Ick, Mesak; Umar, Hasan Basri; Hafrizianda, Yundy
Jurnal Ekonomi dan Bisnis Vol 18 No 1 (2026): JEB Vol 18 No 1 Januari 2026
Publisher : Sekolah Tinggi Ilmu Ekonomi Port Numbay Jayapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55049/5nj12853

Tujuan penelitian adalah untuk mengetahui besarnya dampak belanja langsung dan belanja tidak langsung terhadap kemiskinan di provinsi Papua baik dampak secara langsung maupun dampak tidak langsung melalui pertumbuhan ekonomi dan pendapatan perkapita. Data penelitian menggunakan data time series periode 2010-2022. Dengan hasil penelitian menunjukkan bahwa pengaruh belanja langsung terhadap kemiskinan didapatkan nilai koefisien belanja langsung pada 29 kabupaten/kota sebesar -0,1147 dalam artian bahwa jika belanja langsung dinaikkan sebesar 1 % di masing-masing kabupaten/kota maka akan berdampak pada penurunan tingkat kemiskinan sebesar 0,1147 % pada masing-masing kabupaten/kota se provinsi Papua, nilai probabality sebesar 0,0002 yang lebih kecil dari tingkat signifikansi 0,05 (0,002<0,05), mencermati hasil interpretasi diatas maka dapat dijelaskan bahwa pemerintah daerah kabupaten/kota se provinsi Papua didorong untuk meningkatkan belanja langsung sebab variabel endogen tersebut memberikan dampak yang signifikan terhadap penurunan tingkat kemiskinan. Pengaruh belanja tidak langsung terhadap kemiskinan didapatkan nilai koefisien sebesar -0,048658 dalam artian bahwa jika belanja tidak langsung naik sebesar 1 % di masing-masing kabupaten/kota maka akan berdampak pada penurunan tingkat kemiskinan sebesar 0,048658 % pada masing-masing kabupaten/kota se provinsi Papua dengan tingkat probabilitas sebesar 0,2960 > 0,05 artinya bahwa belanja tidak langsung berpengaruh tidak signifikan terhadap penurunan tingkat kemiskinan, hal ini disebabkan karena pemerintah daerah kabupaten/kota lebih memfokuskan belanja tidak langsung ke belanja Gedung dan bangunan, jalan, irigasi dan jaringan. Pengaruh belanja langsung terhadap kemiskinan melalui pertumbuhan ekonomi dan pendapatan perkapita sebesar - 0,2381 yang berarti bahwa jika belanja langsung masing-masing kabupaten/kota dinaikkan 1%, maka rata-rata tingkat kemiskinan yang terjadi pada masing-masing kabupaten/kota se provinsi Papua akan mengalami penurunan sebesar 0,2381%. Pengaruh belanja tidak langsung terhadap kemiskinan melalui pertumbuhan ekonomi dan pendapatan perkapita sebesar - 0,0609 yang berarti bahwa jika belanja tidak langsung masing-masing kabupaten/kota dinaikkan 1%, maka rata-rata tingkat kemiskinan yang terjadi pada masing-masing kabupaten/kota se provinsi Papua akan mengalami penurunan sebesar 0,0609%.

The influence of local government policy on the cultural wisdom of noken use by civil servants (ASN) on the productivity and income of papuan women noken artisans in Mimika Baru District, Mimika Regency Aula, Andreas; Umar, Hasan Basri; Hafizrianda, Yundy
Journal of Multidisciplinary Academic and Practice Studies Vol. 2 No. 3 (2024): August
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/jomaps.v2i3.3403

Purpose: This study examines the influence of local government policy mandating noken use among civil servants (ASN) on the productivity and income of mama-mama Papua artisans in Mimika Baru District, Mimika Regency. The policy aims to preserve cultural heritage while enhancing the economic empowerment of Papuan women through the traditional craft of noken, recognized by UNESCO as intangible cultural heritage Research/methodology: The research employed a quantitative survey approach with 35 respondents selected through accidental sampling from a population of 350 artisans. Data were collected via questionnaires, interviews, and observations, and analyzed using Path Analysis supported by SPSS software Results: The findings indicate that the noken use policy has a positive and significant effect on both artisan productivity (coefficient = 0.3524; p = 0.0379) and income (coefficient = 0.2846; p = 0.0442). The policy has increased demand, encouraging higher production, better product quality, and improved selling prices. However, 54% of artisans still fall within the low-income category, earning below IDR 1,450,000 per month. Conclusions: While the policy supports cultural preservation and economic growth, artisans continue to face challenges such as limited market access, lack of regeneration among younger artisans, and inadequate training. Limitations: The study is geographically limited to one district and focuses only on productivity and income. Contribution: This research highlights the role of cultural wisdom-based policies in strengthening creative economies and suggests entrepreneurship training, digital marketing, and improved distribution facilities as complementary strategies.

Analysis of the effect of Supplementary Food Provision (PMT) budget distribution on improving child nutrition for stunting eradication in Mimika Regency Naa, Oktovina; Umar, Hasan Basri; Ngutra, Risky Novan
Global Academy of Business Studies Vol. 1 No. 3 (2025): January
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/gabs.v1i3.3477

Purpose: This study aims to analyze the effect of the distribution of the Supplementary Food Provision (PMT) budget on improving child nutrition as part of stunting alleviation efforts in Mimika Regency. The focus is on how government allocations and budget management contribute to nutritional improvements among vulnerable groups. Research methodology: The research applies an associative method to identify the relationship between budget distribution and nutritional outcomes. Data were collected through structured questionnaires and in-depth interviews with respondents directly involved in program implementation. The analysis technique used is simple linear regression to measure the effect of PMT budget allocation on child nutrition indicators. Results: Findings indicate that the distribution of the PMT budget has brought tangible benefits, particularly to children under five and pregnant women at risk of malnutrition. The regression results confirm that budget allocation has a positive and statistically significant impact on improving child nutrition for stunting alleviation in Mimika Regency. Nevertheless, the program still faces obstacles, including uneven distribution, limited monitoring, and external socioeconomic factors. Addressing these barriers is essential for achieving optimal and sustainable results. Conclusions: The distribution of the PMT budget plays a crucial role in enhancing children’s nutritional status and supporting stunting reduction strategies. Proper targeting and effective use of the budget can strengthen outcomes, though improvements in governance, monitoring, and community engagement remain necessary. Limitations: The study is limited by reliance on local government reports, a narrow geographic scope, and the exclusion of external determinants such as parenting practices, healthcare access, and socioeconomic conditions. Contribution: This study provides practical insights for policymakers to refine budget management and intervention strategies, while academically contributing to the literature on the role of public funding in combating malnutrition and stunting.

Raja Analysis of the potential and effectiveness of central market retribution revenue on the Regional Original Income (PAD) of Mimika Regency Pakage, Charlex Luis; Umar, Hasan Basri; Ngutra, Risky Novan
Global Academy of Business Studies Vol. 1 No. 3 (2025): January
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/gabs.v1i3.3478

Purpose: This study aims to evaluate the potential and effectiveness of central market retribution revenue and its contribution to the Regional Original Income (PAD) of Mimika Regency. It seeks to determine whether market retribution is managed optimally and whether it provides meaningful income to the local government. Methodology: The research adopts a quantitative approach with descriptive and case study methods. Data were collected through documentation, questionnaires, and interviews conducted between 2019 and 2023. Analytical techniques included the calculation of effectiveness ratios, contribution analysis, and retribution potential assessment using standard regional financial formulas. Data validity was ensured through triangulation methods. Results: The findings indicate that the effectiveness of central market retribution collection in Mimika was consistently high, with an average rate above 90%, thereby categorized as effective. However, the contribution to overall PAD remained low, averaging only 2.03% during 2019–2023. The study also found that retribution potential was not fully realized due to incomplete trader registration, low payment compliance, and reliance on manual collection systems, which hinder transparency and efficiency. Conclusions: The study concludes that although central market retribution in Mimika Regency is effectively collected, its contribution to PAD is still minimal. This gap is primarily attributed to administrative inefficiencies and structural challenges. To maximize retribution revenue and strengthen local fiscal capacity, the government must improve trader data management, implement stronger monitoring systems, and adopt digital retribution mechanisms. Limitations: The research is limited to Pasar Sentral Timika and relies mainly on secondary financial data, which may not fully reflect informal transactions or administrative constraints. Contribution: This study contributes to regional fiscal policy literature by demonstrating the gap between potential and realized revenue, offering policy insights for enhancing local revenue through digitization, compliance enforcement, and governance reforms.

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