The role of social and psychological related soft information in credit analysis: Evidence from a Fintech Company

2021 ◽  
pp. 101806
Author(s):  
Yao Wang ◽  
Zdenek Drabek ◽  
Zhengwei Wang
Keyword(s):  
Soft Information ◽  
Credit Analysis

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.

The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market

2010 ◽  
Author(s):  
Sumit Agarwal ◽  
Brent W. Ambrose ◽  
Souphala Chomsisengphet ◽  
Chunlin Liu
Keyword(s):  
Credit Market ◽  
Soft Information ◽  
Home Equity ◽  
Dynamic Contract

scholarly journals DIVERSIFIKASI KREDIT, MONITORING, DAN KINERJA PERBANKAN DI INDONESIA

2020 ◽  
Vol 6 (1) ◽  
Author(s):  
Iin Emy Prastiwi ◽  
Anik Anik Anik
Keyword(s):  
Credit Risk ◽  
Research Method ◽  
Monitoring And Evaluation ◽  
Diversification Strategy ◽  
Bank Profitability ◽  
The Government ◽  
The Right ◽  
Banking Credit ◽  
Credit Analysis

ABSTRACT This study aims to determine the banking credit diversification strategy that can control credit risk and credit diversification can increase the profitability of banks in Indonesia. This study also aims to discuss the role of monitoring in the implementation of diversification and its impact on the performance of Indonesian banks. The theoretical benefits of this research contribute to banks, especially in evaluating banking diversification strategy policies. Is the credit diversification strategy can reduce credit risk and improve banking performance or vice versa. For customers / investors, this research is one of the information that can be considered in choosing a safe bank in terms of the level of credit risk and bank profitability. This research method uses descriptive qualitative analysis. The results of this study indicate that credit diversification is the right strategy applied to banks in Indonesia. The government needs to implement further policies that support the implementation of credit diversification, such as conducting credit analysis, monitoring and evaluation.

Credit Analysis and Ratings

2019 ◽  
pp. 523-546
Author(s):  
Peter Dadalt ◽  
Michael Gueli ◽  
Rafay Khalid ◽  
Ling Zhang
Keyword(s):  
Credit Rating ◽  
Financial Analysis ◽  
Critical Role ◽  
Careful Analysis ◽  
Qualitative Assessment ◽  
Rating Agencies ◽  
Subsequent Discussion ◽  
Credit Analysis

Credit analysis is more than just a quantitative exercise because qualitative factors can influence creditor decisions to lend funds. This chapter discusses the importance of balancing the strengths and weaknesses of quantitative characteristics with an analysis of qualitative characteristics. The extension of credit from a lender to a business is a decision that should follow the careful analysis of factors recognized as industry structuring tools. The “five Cs of credit” provide a framework to begin a qualitative assessment of a company, for without context, financial analysis is almost meaningless. A subsequent discussion of business, industry, and economic analysis rounds out the qualitative considerations. The chapter also offers a discussion of the critical role of the credit rating agencies as gatekeepers. Finally, a review of financial statements, metrics, ratio analysis, and firm capital structure provides a broad view of the firm when conducting a financial analysis. The chapter presents a case study to illustrate key principles.

scholarly journals Peranan Account Officer Pada PT. Bank Perkreditan Rakyat Ganto Nagari 1954 Lubuk Alung

2019 ◽  
Author(s):  
Iis Sholihat ◽  
Romi Susanto
Keyword(s):  
Descriptive Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Capital Requirements ◽  
Library Research ◽  
Business Conditions ◽  
Credit Analysis ◽  
Return Process ◽  
Future Business

The purpose of this study is how the role of the Account Officer at PT. BPR Ganto Nagari 1954 Lubuk Alung. The research method is Field Research, which is meant by this method is a direct review of the object of research chosen to examine the results of secondary data, Library Research, what is meant by this method is an investigation carried out through literature or scientific books and writings which has a connection with the discussion that was carried out. Data Analysis Method for analyzing research data, the author uses descriptive analysis, which describes the overall role of the Account Officer at PT. BPR Ganto Nagari 1954 Lubuk Alung. Conclusion In the credit analysis submitted by the customer, before making a decision whether the credit proposal is accepted or rejected, the Account Officer uses several credit analyzes including 5C analysis, namely: Character aims to determine the nature / character of prospective debtors, Capacity to determine the customer's ability to run the business and credit return process, Capital aims to determine the working capital requirements needed by customers, Condition to find out the business conditions / future business prospects, Collateral to find out the value of collateral / collateral offered whether it has covered the amount of credit.

Assessing the performance of NHS Hospital Trusts: the role of ‘hard’ and ‘soft’ information

Health Policy ◽  
1999 ◽  
Vol 48 (2) ◽  
pp. 119-134 ◽  
Author(s):  
Maria Goddard ◽  
Russell Mannion ◽  
Peter C. Smith
Keyword(s):  
Soft Information

The Role of Legal Factors in Moody’s Credit Analysis

2017 ◽  
pp. 549-552
Author(s):  
James H. Bur ◽  
Katherine McManusc
Keyword(s):  
Credit Analysis
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