Identification of The Consequences of Covid-19 on Banking Credit

Asriani Hasan, Andi Risfan Rizaldi, Asmaul Husna

Abstract


This study aims to look at the consequences of Covid-19 on bank credit, both from a positive and a negative side. This research is qualitative research with a descriptive method. The object of this research is Bank BTN Kajaolalido Makassar Branch. The data used in this research is primary data using interview techniques (interviews) with related parties at Bank BTN and observation. The data are in the form of credit planning, lending, and credit supervision. The results obtained in this study are the positive consequences of Covid-19 on bank credit, namely. Bank BTN Kajaolalido is increasingly aggressive in marketing various types of credit with lighter schemes. In addition, Bank BTN also provides credit relaxation such as assistance for the National Economic Acceleration or PEN in the form of interest subsidies and the provision of credit restructuring.

Full Text:

PDF

References


Adil, M. (2022). Accountability and Transparency in the Public and Private Sector. International Journal Of Humanities Education and Social Sciences (IJHESS), 1(6).

Adiningrat, A. A., Ruhayu, Y., Rustan, R., Wahyuni, S., & Fitrianti, A. N. (2022). The Effect of Financial Literature and Islamic Work Motivation on the Performance of Food Micro, Small and Business Enterprises (MSMEs) in Makassar City. Budapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(4), 30836-30845.

Adiningrat, A. A., & Warda, W. (2023). The Development of Intensity Model on Technopreneurship to Improve Turnover in Micro, Small and Medium Enterprises (MSMEs) Culinary in Makassar, Indonesia. International Journal of Economics Development Research (IJEDR), 4(2), 218-228.

Abdi, M. N., Suarni, A., & Arham, A. (2022). Analisis Kepailitan Perusahaan Yang Tercatat di BEI Sub Sektor Telekomunikasi. Jurnal Multidisiplin Madani, 2(6), 2705-2716.

Arman, A. (2021). Analysis of Motor Vehicle Tax Revenues before and after the Tax Kring. Point of View Research Accounting and Auditing, 2(2), 144-149.

Arman, A., & Mira, M. (2021). Does Tax Avoidance Make Do Earning Opacity?. Atestasi: Jurnal Ilmiah Akuntansi, 4(1), 88-95.

Arman, A., Mira, M., Masrullah, M., Agustan, A., Firmansyah, F., & Aditya, R. (2023). Financial Literacy and Assistance in Compiling Independent Financial Reports Using Expense IQ Money Manager. Technium Sustainability, 4, 7-12.

Arsal, M. (2021). Impact of earnings per share and dividend per share on firm value. ATESTASI: Jurnal Ilmiah Akuntansi, 4(1), 11-18.

Arsal, M., & Arsal, D. (2019, August). Urban forest and financial resources perspective in Indonesia. In IOP Conference Series: Materials Science and Engineering (Vol. 593, No. 1, p. 012006). IOP Publishing.

Arsal, M., HAMID, N. I. N. B. A., Arsal, R., & Basri, M. (2014). Consumer Behavior of the Islamic banking. International Journal of Science Commerce and Humanities, 59-64.

Arniati, A., Arsal, M., Akhmad, A., Asdar, A., & Adiningrat, A. A. (2020). Impression of Student Knowledge on Decisions Become a Customer of Islamic Banks. International Journal of Business Economics (IJBE), 1(2), 145-152.

Hutagaluh, O., Rustam, A., Sangadji, S. S., Baharuddin, I., & Kurniullah, A. Z. (2020). Responsive Leadership in Preventing Transmission of Covid-19 in the Indonesia-Malaysia Border Area.

RUM, M., ARSAL, M., KHALID, A., & AWALUDDIN, M. (2023). The Distribution of Tax Collectability, Quality of Tax Services Efforts to Tax Coverage Ratio. 유통과학연구 (JDS), 21(6), 107-117.

Rustan, R., Adiningrat, A. A., & Aisyah, S. (2023). Optimizing of Resources Utilization Through Islamic Spiritual Entrepreneurship to Improve The Welfare of Coastal Communities. International Journal of Economics Development Research (IJEDR), 4(2), 170-180.

Rustan, S. A., Aisyah, S., Adiningrat, A. A., Rustam, A., & Anggoro, M. Y. A. R. (2022). Strengthening Of Marketing Information Systems and Accounting Information Systems for Micro Small and Medium Enterprises (UMKM) Food Culinary Makassar. Budapest International Research and Critics Institute-Journal (BIRCI-Journal), 5(4), 30580-30585.

Suarni, A., & Amelia, R. (2023). Analysis of Mosque Financial Management in Ujung Bulu District, Bulukumba Regency, South Sulawesi, Indonesia. Public Sector Management and Accounting Research, 2(2), 10-22.

Andrianto. (2020). Manajemen Kredit : Teori dan Konsep Bagi Bank Umum (Q. Media (ed.); Cetakan Pe). CV. Penerbit Qiara Media.

Astarina, I., & Hapsila, A. (2015). Manajemen Perbankan. Deepublish Pubhliser.

Hartono, H. (2020). Analisis Permasalahan Kredit Macet dalam Bidang Perbankan di Indonesia. Bbs.Binus.Ac.Id.

Putri, E. A. A., Nuraina, E., & Yusdita, E. E. (2020). Upaya Pencegahan dan Penanganan Kredit Macet Ditinjau dari Persepsi Nasabah. Jurnal Riset Akuntansi & Perpajakan (JRAP), 7(02), 185–196. https://doi.org/10.35838/jrap.v7i02.1616

Kencana, M. R. B. (2021). BI Catat Pertumbuhan Kredit Minus 2,4 Persen di April 2021. Liputan6.Com. https://www.liputan6.com/bisnis/read/4568317/bi-catat-pertumbuhan-kredit-minus-24-persen-di-april-2021

Lidyana, V. (2021). Bank Dunia Sebut Dampak COVID-19 Bisa Terasa Sampai 10 Tahun ke Depan. Detik Finance. https://finance.detik.com/berita-ekonomi-bisnis/d-5354936/bank-dunia-sebut-dampak-covid-19-bisa-terasa-sampai-10-tahun-ke-depan

Mewoh, F. C., Sumampouw, H. J., & Tamengkel, L. F. (2016). Analisis Kredit Macer (PT. bank Sulut, TBK di Manado).

Pranata, E. (2019). Dampak Sosial Terhadap Pembagunan Perumahan Regional Di Kawasaan Pangi Desa Latali Kecamatan Pakue Tengah Kab. Kolaka Utara. Time, 6(3), 198.

Pribadi, I. A., & Dewanto, K. (2020). OJK: Pertumbuhan kredit perbankan hanya 6,08 persen.M.Antaranews.Com. https://www.google.com/amp/s/m.antaranews.com/amp/berita/1252307/ojk-pertumbuhan-kredit-perbankan-2019-hanya-608-persen

Prihatin, L., Sudarwanto, A. S., & Pujiyono. (2018). Faktor Kredit Perbankan Bermasalah / Non Performing Loan Perbankan Ponorogo. 6, No 1.

Safitri, A. N., Fasa, M. I., & Suharto. (2021). Dampak Pandemi terhadap Perkembangan dan Prospek Perbankan Syariah. 2(2), 103–117.

Sarra, H. D., & Alamsyah, S. (2018). Creative Accounting Behavior dalam Perekayasaan Laporan Keuangan pada Perusahaan Manufaktur Terdaftar di BEI ( Hustna Dara Sarra ) Creative Accounting Behavior …. Jurnal Online Insan Akuntan, 3(1), 89–100.

Washito, & Wuryastuti, H. (2020). Coronavirus - Kupas Tuntas Sejarah, Sumber, Penyebaran, Patogenesis, Pendekatan Diagnosis dan Gejala Klinis Coronavirus Pada Hewan Dan Tumbuhan (Dian Christine F. (ed.); 1st ed.). Lily Pubhliseer.


Refbacks

  • There are currently no refbacks.


 

Flag Counter

 

Creative Commons License

Invoice : Jurnal Ilmu Akuntansi Is Licenced Under a Creative Commons Attribution-Noncommercial-Noderivatives 4.0 International License