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All Journal Enthusiastic : International Journal of Applied Statistics and Data Science
Putri, Santi Maudila
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Mathematics

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Modeling the Rural Banks’ Survival in Semarang City and Regency during the COVID-19 Pandemic Naufal, Cesario Hanif; Putri, Santi Maudila; Ekaria
Enthusiastic : International Journal of Applied Statistics and Data Science Volume 2 Issue 2, October 2022
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/enthusiastic.vol2.iss2.art7

Abstract

The COVID-19 pandemic has a significant impact on all sectors including the financial sector. Rural banks are one of the financial institutions that has been affected by the pandemic. The pandemic makes debtors unable to repay the loans that can lead to the increase of non-performing loans. This increase will affect the performance of the rural banks which can lead to the liquidation of rural banks. This is reflected by the decrease in the number of rural banks in Indonesia in 2018–2020 periods. On the other hand, it turns out that rural banks in Semarang City and Regency were not affected by the pandemic. Those rural banks are relatively able to survive, which is reflected by the stable level of the bank’s health. Therefore, this study aims to determine factors that affect the survival status of rural banks in Semarang whether they survive or not during the COVID-19 pandemic. To achieve this goal, binary logistic regression was used in this study. The results show that firm size, income growth, and debtors’ quality have a significant effect on the survival status of rural banks in Semarang City and Regency during the COVID-19 pandemic.
Co-Authors Ekaria Naufal, Cesario Hanif