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All Journal International Journal of Applied Business and International Management Journal of Multidisciplinary Academic and Practice Studies
Umar, Hasan Basri
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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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

Abstract

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

Abstract

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.
Co-Authors Aula, Andreas Kespo, Michael J. Yundy Hafizrianda, Yundy