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Journal : COSMOS

Pengaruh Penyaluran Kredit dan Kredit Bermasalah terhadap Rasio Kecukupan Modal: The Influence of Credit Disbursement and Non-Performing Loans on the Capital Adequacy Ratio Nur, Meilani; Rahmawati, Dayyinah Ayunda
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 2 No 3 (2025): April - Mei
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

This study aims to analyze the influence of credit distribution and non-performing loans (NPL) on the capital adequacy ratio (CAR) in the Indonesian banking sector. The research population includes all banks within the Indonesian banking industry, while the sample consists of conventional commercial banks listed under the Financial Services Authority (OJK) for the period 2014-2022. The study applies classical assumption tests such as normality and autocorrelation tests and examines the relationship between variables using SPSS 24. The data analysis is conducted through multiple linear regression. The results reveal that both credit disbursement and non-performing loans (NPL) have a significant and positive impact on banks' CAR. This outcome indicates that while banks continue to extend credit, they are also able to maintain adequate capital levels, suggesting effective risk management and regulatory compliance in handling credit risks.
Pengaruh Produk Domestik Bruto (PDB) dan Nilai Ekspor terhadap Inflasi Nur, Meilani; Ayunda Rahmawati, Dayyinah
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 1 No 6 (2024): Oktober
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/cosmos.v1i6.265

Abstract

This research seeks to explore and analyze the impact of gross domestic product (GDP) and export value on inflation across five ASEAN countries. By employing econometric analysis through panel data regression covering the period from 2018 to 2022 and utilizing SPSS 24, the research provides valuable insights into the relationship between these economic indicators and inflation. The findings indicate that both GDP and export value have a statistically significant and positive effect on inflation in the selected ASEAN nations. Furthermore, the combined test results reinforce the existence of a strong positive correlation between GDP, export value, and inflation, suggesting that economic growth and trade activities contribute to inflationary trends. This study is unique in its approach, as it specifically examines Indonesia, Malaysia, Singapore, Thailand, and the Philippines, five major ASEAN economies. Additionally, the inclusion of GDP as a primary variable adds further significance to the study, given its crucial role in influencing inflation rates and shaping overall economic stability.