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All Journal PENA ABDIMAS : Jurnal Pengabdian Masyarakat Mutiara: Multidiciplinary Scientifict Journal
Belo, Teresa Freitas
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Arts Humanities Economics, Econometrics & Finance Industrial & Manufacturing Engineering Materials Science & Nanotechnology Mathematics Mechanical Engineering Nursing Public Health Social Sciences

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Impact of Credit Amount and Nonperforming Loan on Financial Perfor-mance in Institution Moris Rasik Finance Service S.A By Mediating Interest Rates in the Branch Office Oe-Cusse Timo, Fredio Lopes; Belo, Teresa Freitas; Amaral Menezes, Alvaro do
Mutiara: Multidiciplinary Scientifict Journal Vol. 3 No. 4 (2025): Mutiara: Multidiciplinary Scientifict Journal
Publisher : Al Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/mutiara.v3i4.367

Abstract

This study aims to evaluate the impact of credit amount and non-performing loans (NPLs) on the financial performance of Moris Rasik Finance Service S.A. in Timor-Leste, with interest rates acting as a mediator. A survey research design was used, with a sample of 275 clients selected through purposive sampling. Data was collected via questionnaires and analyzed using Structural Equation Modeling (SEM) with Smart PLS 4.0. The results indicate that credit amount and NPLs have a significant impact on financial performance, while interest rates do not significantly affect financial performance. In conclusion, effective credit and NPL management can improve financial performance, whereas interest rates do not play a significant role. This study recommends strengthening credit monitoring and NPL risk management systems to enhance the overall financial performance of the institution.
Empowering MSMEs for Sustainable Growth in Timor-leste: A Community Engagement Perspective Sunarjo, Wenti Ayu; Belo, Teresa Freitas; Murdianingsih, Dian; Khafid, Abdul; Rokhman, Nur
PENA ABDIMAS : Jurnal Pengabdian Masyarakat Vol 6 No 2 (2025): Juli 2025
Publisher : LPPM Universitas Pekalongan

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Abstract

Micro, Small, and Medium Enterprises (MSMEs) are pivotal to economic diversification and inclusive growth in Timor-Leste, yet many still face barriers in finance, technology, and sustainability. This community service initiative aimed to strengthen MSME capacity through education, innovation, and participatory engagement between academia, government, and industry. Using a qualitative-descriptive approach within the community-based empowerment framework, the program integrated training in entrepreneurship, digital literacy, and green business practices. The implementation focused on cross-border collaboration between Timor-Leste and Indonesian MSMEs, particularly through the Kauman Batik Village Association in Pekalongan, as a model for cultural and creative entrepreneurship. Results showed a 73% improvement in participants’ understanding and skill levels, demonstrating the effectiveness of knowledge transfer and capacity-building methods. The project highlights that empowering MSMEs through collaborative community engagement can enhance competitiveness, foster sustainable practices, and promote cultural identity in global markets. Future initiatives are recommended to focus on digital transformation, financial inclusion, and eco-innovation
Co-Authors Abdul Khafid, Abdul Amaral Menezes, Alvaro do Murdianingsih, Dian Nur Rokhman Timo, Fredio Lopes Wenti Ayu Sunarjo