“If businesses have yet to pick up following a slump in demand, then banks are forced to lend money; we are risking mounting bad loans in the next one to two years,” Aviliani said at the same discussion, adding the government would need to step up stimulus spending to boost demand. The government has disbursed credit insurance premiums worth Rp 5 trillion (US1.02 million) to state-owned credit insurers PT Jaminan Kredit Indonesia and PT Asuransi Kredit Indonesia to guarantee working capital loans of Rp 100 trillion and help MSMEs survive the pandemic. BI Governor Perry Warjiyo said on Thursday that loan disbursement was limited due to slowing domestic demand, while banks try to avoid risks amid heightening debt restructuring. The central bank cut its benchmark interest rate to 4 percent to further support the economy. She stressed that Indonesian banks were better now prepared than during the financial crises in 1998 and in 2008 to deal with liquidity issues and the risk of rising non-performing loans in the wake of the pandemic. Indonesia’s financial authority has so far taken several measures to alleviate banking stress during the pandemic, including loan restructuring, interest relief for MSMEs and liquidity access from the central bank using the repurchase agreement route, among other measures. PT Kredit Indonesia adalah perusahaan fintech yang memiliki visi untuk meningkatkan kehidupan masyarakat Indonesia melalui penyediaan akses pinjaman online. Dengan teknologi AI terdepan, kami ingin bekerja sama dengan masyarakat untuk meningkatkan kesejahteraan Indonesia melalui pinjaman online terbaik Kredit Pintar. Mari bergabung dengan Kredit Pintar aplikasi pinjaman online terpercaya.
Loan growth, meanwhile, fell to 3.04 percent year-on-year in May from 5.73 percent in April. But the scheme may lead to mounting bad loans for banks as domestic demand remains sluggish due to weakening purchasing power amid slowing economic activity, said Institute for Development of Economics and Finance economist Aviliani. “The loan guarantee program is crucial to allow banks to boost their lending for MSMEs and, therefore, support economic recovery,” Destry told an online discussion on Friday, adding that banks were previously reluctant to disburse their money amid fears of bad loans. “SKORKU” is developed to provide lending institutions with a bureau-based risk profile to assess new credit applicants, both with and without credit history, and make more informed and accurate credit decisions. To the best of our study, this is one of the pioneer studies studying this novel link and suggesting the way forward on recent topicality. This research is about the credits of bank especially working capital credits so the title of this research is "The analysis demand pinjaman rupiah and supply credits of bank". The aim of this research are to analysis the factors of demand credits and the factors of supply credits effect to working capital credits with use the simultan regressor model and the accounts is used Two-Stage Least Squares .
The COVID-19 pandemic has the potential to disrupt banking performance, so that the company can continue to operate amid the co-19 pandemic, the employees are required to continue to have good performance. By knowing a number of factors that affect the performance of banking employees, among remuneration and work motivation in the midst of a co-19 pandemic it is expected that the banking industry can improve the performance of its employees. This research was conducted with quantitative methods, where the population and sample are employees who work at banks in the city of Surabaya, and the incoming data will be processed using SPSS 20. The results showed that remuneration and work motivation simultaneously affected employee performance and remuneration was the most dominant influence on the performance of banking employees during the Covid-19 pandemic. The lower benchmark rate is expected to transmit into lower interest rates charged by banks on consumer loans, corporate loans and mortgages, as well as bond yields and other instruments, thereby boosting domestic consumption and investment. Indonesian banks' non-performing loans , which calculate the ratio of bad loans to total loan value, continued to rise to 3.01 percent in May from 2.89 in April and 2.77 percent in March. The Corona Virus Diseases (Covid-19) pandemic that hit the world resulted in a decline in the performance of most companies, including reducing the performance of the world economy. Banking as a business group was also affected because the decline in company performance had an effect on the decline in banks, including Islamic banks especially the probability effect. This is due to the large number of affected customer companies causing a decrease in financing which in turn reduces profitability. The purpose of this study is to examine the impact of the Covid-19 pandemic on the performance of Islamic banks in Indonesia. The population in this study were 13 Islamic commercial banks operating in Indonesia. From this population 12 banks were taken as samples and one bank was not taken because the data were incomplete. The data is taken quarterly, namely 4 quarters before the pandemic and 3 quarters during the pandemic.
This research is supported wih theories and they are demand credits theory, supply credits theory and credit market by New Keynes theory. Because the models are used in this research simultan so from the economic growing side can be effected by working capital credits, the interest rate of working capital credits and DPK. R2 is 69,08 percent shows that 69,08 percent the economic growing are effected by free variables in the model. So before giving the credits of working capital, the bankers must know information about the crediturs. In addition to providing scoring solutions, KBIJ’s expertise lies in operating an accurate database of credit related information and providing quality value-added services such as analytics report and portfolio monitoring. These value-added services can be used to enhance the lending institution’s internal risk management policies and procedures. By using these services, lending institutions can rapidly reduce their non-performing loan rate and improve the financial performance of their loan portfolio. The results showed that the profitability as measured by ROE and NOM has a significant effect, as well as the financing to deposit ratio is also significantly different. The government’s new credit guarantee scheme is expected to boost lending for micro, small and medium enterprises hit hard by the coronavirus pandemic, but analysts have expressed concerns that risk of rising bad loans now haunts the banking industry. During the COVID-19 outbreak, managing energy consumption and CO2 emission remained a serious problem. The previous literature rarely solved this real-time issue, and there is a lack of public research proposing an effective way forward on it. However, the study examines the impact of the COVID-19 outbreak on energy consumption and CO2 emission.
In Indonesia, the spread of Coronavirus Disease 2019 (COVID-19) affects economic stability. The problem faced by Indonesia today is that the performance and capacity of debtors in carrying out their credit obligations have been disrupted by the spread of COVID-19, which has the potential to disrupt banking performance in credit management. Encouraging the optimization of the banking intermediary function a policy is needed in tackling the impact of the spread of COVID-19. The research method used is a normative legal research method using secondary data. The implementation of the restructuring scheme can vary and is determined by the policies of each bank depending on the assessment of the debtor's profile and capacity to pay. The design of the study is quantitative, and the data is acquired from different online databases. The model of the study is inferred by using panel unit root test and ARDL test. The robustness of study findings was checked through panel quantile regression. The findings highlighted that the COVID-19 outbreak is negatively significant with energy consumption and CO2 emission. The study suggested revising the energy consumption patterns by developing and implementing the national action plan for energy consumption and environmental protection. The study also contributed in knowledge by suggesting the novel insight into CO2 emission and energy consumption patterns during COVID-19 pandemic and recommended to consider renewable energy transition methods as an opportunity for the society. For a more effective management of energy consumption and environmental pollution, country-specific measures are suggested to be taken, and the national government should support the concerned public departments, ministries and private organizations on it.
It enables lending institutions to quickly assess the quality of credit applicants and allows decisions to be consistent. Compared to the traditional internal application score, “SKORKU” is potentially able to improve approval rate by approximately 20% to 60% and reduce non-performing loan rate by approximately 10% to 40% for a given approval rate. "Restructured loans in Indonesia have grown significantly since authorities relaxed rules for debt restructuring in March to provide financial relief for those impacted by the crisis," said Moody’s analyst Tengfu Li. Moody's Investors Service expressed a similar view in a new report in late May, stating that Indonesian banks would see their asset quality and profitability deteriorate because of coronavirus impacts. However, their capital and liquidity will remain strong, providing ample buffers to absorb financial stress. We emphasize that amid uncertainty, such as the current policy will be truly useful if each party takes the process carefully and responsibly. In order to address this problem as well as to ease bank installments for business people, Credit Restructuring can be carried out. This research is a normative juridical research, namely legal research by employing secondary data as a basic material by conducting an examination of the regulations and literature related to Credit Restructuring. As a result, it can be argued that the implementation of restructuring for each debtor is unquestionably different depending on the credit risk by the debtor and depends on the policy and analysis of the bank itself.
