Negoisasi Sebagai Upaya Alternative Penyelesaian Kredit Macet di Bidang Perbankan Secara Win-Win Solution

Banking is one of the sources of funds, including in the form of credit for the community. Banks in providing credit will be very careful and will go through a more in-depth analysis. However, in providing credit, often the credit given to the debtor cannot be returned on time. This condition is called bad credit. The purpose of this study is to determine what factors cause bad credit in the banking sector and how to solve it in non-litigation ways. The method used in this research is the juridical-normative method, in which the research is carried out by means of literature study of law books, statutory regulations, literature and other references. The results of this study indicate that the factors causing the occurrence of bad credit in the banking sector include failure to accept the debtor's business, bad faith from the debtor, the discovery of credit loans without the knowledge of the family which can lead to a lack of responsibility, credit abuse by debtors and the presence of debtors. debtors who work as laborers, farmers, fishermen so that their finances cannot be guaranteed at all times, but only at certain times. As for the way to settle bad credit through non-litigation channels, namely by negotiation which can be done in three ways including rescheduling, reconditioning, and restructuring.

Research on the Challenges and Sustainable Development Strategies of Community Banks in China

With the rapid development of information technology and the Internet, online financial services are fast, equal, and flexible, which bring a lot of challenges to commercial banks, especially the subsidiary community banks. This thesis first clarifies related research at home and abroad and further expounds on the development status and existing problems of the community banks. Then it proposes to improve the supervision system, strengthen technical support and talent reserve, and promote the development of online finance and credit reporting, in order to increase the core competitiveness of community banks in China.

Small-medium enterprise experiences of financial service in urban and rural settings : a phenomenological study of a changing community finance landscape and the sustainable finance narrative

Relationships between small-medium size businesses ('SME') and community banks are complex, meaningful, and often described as characteristically "opaque". This study offers a conceptual framework for exploring this "opaqueness" from the perspective of SMEs and community financiers engaged in the process of community finance. Insights into the experiential dynamics of SMEs and community financiers co-navigating the financial service landscape offers an exploratory frame for investigations of interactive capacity, knowledge formation, and reflexive orientations. The implications of what transpires between SMEs and their community financiers can be far-reaching and of particular importance as the financial service landscape evolves to respond to calls for more 'sustainable finance' to support the goals of Agenda 2030, conveyed as the Sustainable Development Goals (SDGs). The study findings suggest that multi-dimensional aspects of community financee not well understood. Future research and practitioner ideation is suggested around the importance of placing community finance, as a facilitative process, within emerging 'sustainable finance' frameworks. Doing so offers an enhanced social-ecological lens for exploring the role, effects, and effectiveness of community finance in the 21st century.

Increasing rice productivity in Ghana: Do savings with rural and community banks matter?

PurposeThis paper analysed the motives behind farmers' savings with Rural and Community Banks (RCBs) and the effect of these savings on rice yield in the Hohoe Municipality of the Volta region of Ghana.Design/methodology/approachA multi-stage sampling approach was used to draw a random sample of 222 rice farmers, and a structured questionnaire was employed to collect cross-sectional data. A Likert scale was used to rank the motive behind farmers' savings while the endogenous switching regression model was used to estimate the effect of savings on rice yield.FindingsThe results of the study showed that most farmers mobilise savings to enhance farm investment which is critical to increasing rice productivity. Improved labour and fertiliser use had a positive influence on rice yield, while farm size had an inverse relation with rice yield. Further, the findings show that savings with RCBs help mobilise the necessary finance to enhance rice productivity. In terms of the treatment effect of savings, the results indicate that farmers who patronise saving products of RCBs recorded a statistically significant average yield of 1.41 Mt/ha more than those not patronising saving products from any bank.Practical implicationsWhile the literature on agricultural finance focuses largely on credit, this study demonstrates that savings hold significant benefits for the development of agriculture through productivity gains. The importance of this demonstration is further shown by the fact that credit access depends on the ability to save in most developing countries.Social implicationsThere is a need to educate farmers about the essence of patronising formal savings products.Originality/valueThis study represents the first attempt at linking farmers' savings to agricultural productivity using an econometric methodology in Ghana. The study serves as a foundation paper and for that matter will serve as a guide to future research on savings mobilisation and agricultural productivity nexus.

Impact of Liquidity on Rural and Community Banks Profitability in The Eastern Region of Ghana

Despite the major role played by rural and community banks in economic development and in the financial climate, their performance over a decade now have not been up to expectations. They continue to experience huge challenges due to innovations in technology as well as globalization which create opportunities for growth. The study was to examine the impact of liquidity on rural and community banks in the Eastern Region of Ghana selected from eleven (11) banks for the period of ten years from 2007 – 2016. The study used panel data and secondary data to collate the ratios from all the selected rural and community banks. A regression model was developed with Return on Asset as the dependent variable accompanied with other six explanatory variables. It was revealed that quality of loan portfolio ratio; capital ratio and loan to total assets had significant and positive relationship with profitability. It was also revealed that shocks in all the liquidity variables had one or other implications on profitability. Finally, based on finding seven, which states that cost to income has negative and significant effect on profitability, the study recommended that management must adopt information and communication technology to reduce cost and easy access to banks’ product in the form of Automated Teller Machine.