Article Per Year (5 Year)
p-Index From 2020 - 2025
0.408
P-Index
This Author published in this journals
All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI)
Betari Putri Pavita
Universitas Negeri Malang
Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Measuring the Effectiveness of Funding and Financing Products in Improving the Profitability of the Banking Betari Putri Pavita; Vidya Purnamasari
JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI) Vol 7, No 1 (2022): JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI)
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/ja.v7i1.939

Abstract

Sharia banks as financial institutions that run their business with Islamic principles have a role and contribution through the products and services provided to improve their performance. One of them is Bank Tabungan Negara, by channelling and withdrawing funds from the public, can improve the bank's health. This study aims to determine the effect of Tabungan Prima iB, Deposito BTN iB, KPR Sejahtera iB, and Multimanfaat iB on Return On Assets (ROA) at the Bank Tabungan Negara. This research method uses time-series data from 2018-2020 per month, with data analysis, namely multiple linear regression analysis through STATA software. The results showed that Prima iB Savings, KPR Sejahtera iB, and Multimanfaat BTN iB significantly affected BTN KCS Malang's profitability in 2018-2020. At the same time, the variable Deposits BTN iB has no significant effect on the Profitability of BTN KCS Malang in 2018-2020.
Analisis Restrukturisasi Kredit Perbankan Untuk Meminimalisasi Kredit Bermasalah Saat Masa Pandemi Covid-19 Betari Putri Pavita; Imam Mukhlis
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 22, No 2 (2022)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ekonomikawan.v22i2.10123

Abstract

Non-performing loans remain one of the main challenges in maintaining the quality of banking credit disbursements, and credit restructuring policies are an option for banks to reduce their problem loans. This study aims to determine the application of credit restructuring from the Financial Services Authority Regulation Number 11 / POJK.03/2020 on National Economic Stimulus as a Countercyclical policy on the impact of the spread of Coronavirus Disease 2019 at PT Bank Jatim Malang Branch during the Covid-19 pandemic. The method used in this study is a qualitative method with a case study through interviews with resource persons. This study shows that credit restructuring can reduce the number of non-performing loans for Bank Jatim with a pattern of extension, delay, reduction of principal and interest installments, and the addition of credit facilities and a combination of these various patterns. Inhibitory factors are in the form of restrictions on appointments with debtors due to restrictions on public space by the government and the fault of the internal parties of the bank in analyzing the debtor's business that will make losses to the bank. While the supporting factor is this policy is a helpful program to succeed in the distribution of credit from the government by extending the period of realization of credit restructuring during the pandemic due to a decrease in the NPL number in 2020, it will be fully supported and developed by the government.
Co-Authors Imam Mukhlis Vidya Purnamasari