Credit Analysis and Credit Management

2020 ◽  
pp. 3-46
Author(s):  
Terence M. Yhip ◽  
Bijan M. D. Alagheband
Keyword(s):  
Credit Management ◽  
Credit Analysis

Innovations in US Banking Practices and the Credit Boom of the 1920s

2013 ◽  
Vol 87 (2) ◽  
pp. 309-327 ◽  
Author(s):  
Tobias Rötheli
Keyword(s):  
United States ◽  
New York ◽  
The United States ◽  
Credit Expansion ◽  
Credit Management ◽  
Rules Of Thumb ◽  
Erroneous Belief ◽  
Credit Worthiness ◽  
Credit Analysis ◽  
Credit Boom

The 1920s were important for the development of banking in the United States because new lending practices strongly favored credit expansion. Those innovations pertained to the measurement of credit risk and to new sales methods for banks. In particular, I describe the development of scientific credit analysis and so-called credit barometrics. Credit barometrics indicated credit worthiness based on statistical analysis and replaced old rules of thumb. These indicators were flawed and induced an erroneous belief in a future with rational and safe credit management. By studying the course of major New York banks as well as aggregate data, I show how the innovations in banking methods contributed to the credit boom that ended with the crash in 1929.

scholarly journals Aktivitas Pemberian Kredit Usaha Pada PT. Bank Perkreditan Rakyat (BPR) Batang Tarusan

2021 ◽  
Author(s):  
Refni Yunita ◽  
Romi Susanto
Keyword(s):  
Research Method ◽  
Qualitative Method ◽  
Decision Makers ◽  
Credit Management ◽  
Application Analysis ◽  
Credit Contracts ◽  
Credit Analysis

The purpose of this study was to determine how credit management at PT. Bank Perkreditan Rakyat Batang Tarusan in the 2015-2019 period. The research method used is a qualitative method. The results of the discussion of the Activities of Business Loans at PT. Bank Perkreditan Rakyat Batang Tarusan in accordance with established procedures, starting from credit applications, credit application analysis, credit application surveys, credit analysis, loan cammites (decision makers), credit contracts, credit disbursement and credit supervision

Effective Sovereign Credit Analysis

1998 ◽  
Vol 1998 (3) ◽  
pp. 3-9
Author(s):  
George A. Ashur
Keyword(s):  
Sovereign Credit ◽  
Credit Analysis

CREDIT RISK AND COMMERCIAL BANKS’ PERFORMANCE IN NIGERIA: A PANEL MODEL APPROACH

2012 ◽  
Vol 02 (02) ◽  
pp. 31-38 ◽  
Author(s):  
KOLAPO T. Funso ◽  
AYENI R. Kolade ◽  
OKE M. Ojo
Keyword(s):  
Credit Risk ◽  
Commercial Banks ◽  
Commercial Banking ◽  
Loan Loss ◽  
Return On Assets ◽  
Cross Sectional ◽  
Loan Loss Provision ◽  
Panel Model ◽  
Percent Increase ◽  
Credit Analysis

The study carried out an empirical investigation into the quantitative effect of credit risk on the performance of commercial banks in Nigeria over the period of 11 years (2000-2010). Five commercial banking firms were selected on a cross sectional basis for eleven years. The traditional profit theory was employed to formulate profit, measured by Return on Asset (ROA), as a function of the ratio of Non-performing loan to loan & Advances (NPL/LA), ratio of Total loan & Advances to Total deposit (LA/TD) and the ratio of loan loss provision to classified loans (LLP/CL) as measures of credit risk. Panel model analysis was used to estimate the determinants of the profit function. The results showed that the effect of credit risk on bank performance measured by the Return on Assets of banks is cross-sectional invariant. That is the effect is similar across banks in Nigeria, though the degree to which individual banks are affected is not captured by the method of analysis employed in the study. A 100 percent increase in non-performing loan reduces profitability (ROA) by about 6.2 percent, a 100 percent increase in loan loss provision also reduces profitability by about 0.65percent while a 100 percent increase in total loan and advances increase profitability by about 9.6 percent. Based on our findings, it is recommended that banks in Nigeria should enhance their capacity in credit analysis and loan administration while the regulatory authority should pay more attention to banks’ compliance to relevant provisions of the Bank and other Financial Institutions Act (1999) and prudential guidelines.

Analisa Faktor Internal Penyebab NPL Kredit Mikro: Studi Kasus PT BPR Wahana Sentra Artha Majalengka

2018 ◽  
Vol 1 (1) ◽  
pp. 49-60
Author(s):  
Faisal Salistia
Keyword(s):  
Linear Regression ◽  
Research Method ◽  
Standard Procedure ◽  
Economic Conditions ◽  
Survey Method ◽  
Business Units ◽  
Internal Condition ◽  
Regression Approach ◽  
Credit Analysis

The role of BPRs in providing capital assistance to MSME business units, still has to deal with the internal management of the bank's own management.  This must be understood because  one of  the factors  to assess  the health  of  a  BPR is to look at the NPL (Non- Performing Loan) ratio, calculated from the total loans that fall into the non -current category, divided by the total credit given. Where is the maximum ratio determined by Bank Indonesia, which is below 5%. This means that if  a BPR has an NPL ratio above 5%, then it can be assumed that there is a failure in implementing an inefficient and ineffective lending strategy. Therefore, it is necessary to examine the factors that influence the high NPL of rural banks (BPR), especially  from  credit  lending  strategies.  In  addition,  economic conditions  and business competition and forecasting of future conditions, conduct training for AO to sharpen credit analysis, ensure that the process of submission and disbursement of credit quickly and easily provides various alternative options for debtors to pay their credit, providing standard procedure for  granting credit, conducting  a  survey of  the place of  business against the submission of business credit. The research objective is to analyze 1) the influence of BP's internal conditions on the lending strategy. 2) Analyzing the effect of Credit Giving Strategy  on Non -Performing Loans. The research method uses a survey method with a multiple linear  regression approach to obtain information on the influence of both of these. The results of the study show that 1) the internal condition of the BPR has a positive and significant effect on the lending strategy (the condition  of the organization  within the organization and formally has direct and specific implications on BPR). 2) that the lending strategy has a negative and significant effect on NPL. The lending strategy applied by BPRs is a means to control the development of credit thrown into the market by the BPR.

Environmental responsibility and financial policy of the company: methodological aspects of the analysis

2021 ◽  
Author(s):  
Aleksey Makarov ◽  
Irina Hvostova ◽  
Elena Ryabova ◽  
Aleksandr Larin
Keyword(s):  
Empirical Analysis ◽  
Environmental Responsibility ◽  
Financial Policy ◽  
Economic Aspects ◽  
Financial Efficiency ◽  
Credit Management ◽  
Wide Range ◽  
Corporate Financial Policy ◽  
Methodological Aspects ◽  
The Empirical Analysis

The actualization of environmental problems makes it necessary to study them in connection with the financial and economic aspects of the modern company. The main content of the monograph is formed by the conceptual, theoretical and methodological aspects of the analysis of corporate financial policy, studied in conjunction with the study of the factors of environmental responsibility of the company. The necessity of revision is analyzed and the directions of improvement of the methodological apparatus for the formation and implementation of financial policy in new conditions are determined. Particular attention is paid to the empirical analysis of indicators of environmental responsibility and environmental efficiency at different organizational levels. The results obtained are valuable in order to improve corporate practices for managing environmental responsibility factors and improving the financial efficiency of companies. For a wide range of readers, including researchers, practitioners, postgraduates, applicants and students studying in the areas of "Economics", "Finance and Credit", "Management".

scholarly journals PNPB CREDIT MANAGEMENT AT THE MINISTRY OF ESDM

2018 ◽  
Vol 1 (1) ◽  
Author(s):  
Syarief Gerald Prasetya
Keyword(s):  
The State ◽  
Actual Condition ◽  
Organization Performance ◽  
Private Companies ◽  
Credit Management ◽  
Organization Management ◽  
National Budget ◽  
Mineral Sector ◽  
Speed Up ◽  
Descriptive Method

State Non-taxable Revenue (PNBP) from the energy and mineral sources (ESDM) sectors, particularly at Oil and earth gas(Migas) sector, coal and mineral sector, are very significant revenue of the state which is State Non-taxable Revenue described on the National budget and revenue(APBN). Actually there are still a lot of BUMN, BUMD, private companies which have not paid yet their PNBP to the Ministry of ESDM.. This research aims to recognize empirically the system of PNBP management within the Ministry of ESDM. This research has applied an analytical descriptive method which is a method to provide an actual condition regarding the credit management. The State revenue refers to PNBP credit has still been beyond the expectation due to a slow process of PNBP credit administration as well as the organization management which has not been running well. An effort to speed up the process should have to be applied refers to the efficiency of the related sources consumed such as time, cost and manpower. An effort to develop the effectiveness of State credit administration should have to be applied by improving the organization performance to maximize the result of the State credit management.

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