Analisis Keuangan Terhadap Penyaluran Dana Tepat Guna Dalam Sebuah Kredit
DOI:
https://doi.org/10.21927/ijma.2023.4(2).130-142Keywords:
Financial, Appropriateness in CreditAbstract
This research is about the accuracy of funds in credit. Indicators related and contextually related to giving, include the principles of moral trust, commercial principles, financial and collateral principles. The research method uses a library research approach. Credit in the general context, bank considerations in channeling funds, targets and objectives in providing credit funds. Credit actually gives and disposes of various funds that were originally collected through various deposits, whether in the form of current accounts, savings or through deposits. The purpose of credit is more simply, aimed at getting benefits in the form of interest as a form of feedback from the process of giving. The distribution of credit funds that are right on target will have a major impact on the development of the economic sector. This is if the credit is given to whom and who actually needs financial support in starting and starting the economy. So when credit funds are given, for example, to movers and activists in the MSME sector if they need these funds in building their business. Accuracy and distribution of funds that are right on target will produce a very significant effect in the context of financial institutions such as banking and the economy in Indonesia.
References
Abdullah, S. (t.t.). Pengaruh Dana Pihak Ketiga, Suku Bunga Kredit, Dan Modal Bank Terhadap Penyaluran Kredit Pada Bank Perkreditan Rakyat Konvensional Di Indonesia. Jurnal Administrasi Akuntansi : Program Pascasarjana Unsyiah, 6(2). https://jurnal.usk.ac.id/JAA/article/view/7740/0
Agustin, D., Sele, F., & Aviev, K. A. (t.t.). Analisis Pengaruh Kinerja Perbankan Terhadap Perubahan Penyaluran Kredit UMKM di Indonesia. JEMPER Jurnal Ekonomi Manajemen Perbankan, 3(1), 2021. https://doi.org/10.32897/jemper.v3i1.553
Assah, H. (t.t.). Analisis Pencapaian Target Dan Realisasi Kredit Mikro Di Indonesia. Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 1(4), 2013. https://doi.org/10.35794/emba.1.4.2013.2708
Aziz, A., & Wicaksono, E. (2017). Analisis Skema Alternatif Kredit Program Untuk Usaha Mikro, Kecil Dan Menengah. Jurnal Ekonomi dan Kebijakan Publik, 7(2), 143. https://doi.org/10.22212/jekp.v7i2.420
Chosyali, A., & Sartono, T. (2019). Optimalisasi Peningkatan Kualitas Kredit Dalam Rangka Mengatasi Kredit Bermasalah. Law reform, 15(1), 98. https://doi.org/10.14710/lr.v15i1.23357
Chaidir Iswanaji, S. A. K. M. Z. N. H. (2021). LEMBAGA KEUANGAN SYARIAH: Buku Ajar Konsentrasi Syariah. https://penerbitadab.id
Dian Maha Yoga, G. A., & Suryani, N. K. (2018). Pengaruh Kesehatan Bpr Terhadap Penyaluran Kredit Melalui Strategi Pemberian Kredit Sebagai Pemediasi. Widya manajemen, 1(1), 40–59. https://doi.org/10.32795/widyamanajemen.v1i1.205
Farida, I., Aryanto, A., & Sunandar, S. (2019). Peranan Kredit Usaha Rakyat (Kur) Dalam Mengembangkan Industri Kecil Menengah (Ikm) Kota Tegal. Monex : Journal Research Accounting Politeknik Tegal, 8(1), 238. https://doi.org/10.30591/monex.v8i1.1260
Firmansyah, M. (2022). Efektivitas Transmisi Kebijakan Moneter Melalui Jalur Kredit Perbankan Dan Harga Aset Dalam Mencapai Inflasi. At-Tadbir : jurnal ilmiah manajemen, 6(2), 191. https://doi.org/10.31602/atd.v6i2.6897
Fransiska, F., & Meylisa, M. (2017). Prosedur Pemberian Kredit pada PT.Pegadaian (Persero) Cabang Gaharu Medan. Repositori Institusi Universitas Sumatera Utara, 2017.
Haryati, S. (t.t.). Pertumbuhan Kredit Perbankan Di Indonesia: Intermediasi Dan Pengaruh Variabel Makro Ekonomi. Jurnal Keuangan Perbankan, 13(2), 2009. https://doi.org/10.26905/jkdp.v13i2.938
Hasbi, M. Z. N. (2023). Potret Pelaksanaan Zakat di Indonesia Sebagai Stimulus Aktualisasi Triple Bottom Line Pada Perusahaan. 4(1), 1–13.
Khafifah, A., Dianta, K., & Saparuddin. (2022). Peranan Kredit Usaha Rakyat (Kur) Pada Perkembangan Usaha Mikro, Kecil Dan Menengah (UMKM): (Studi Kasus pada UMKM Minuman Kekinian di Daerah Jakarta Selatan). Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital, 1(1), 79–93. https://doi.org/10.55047/jekombital.v1i1.268
Nisa, C. (2016). Analisis Dampak Kebijakan Penyaluran Kredit Kepada Umkm Terhadap Pertumbuhan Pembiayaan Umkm Oleh Perbankan [Policy Impact Analysis of Lending to MSMEs on the Growth of MSMEs Financed by Banks]. DeReMa (Development Research of Management): Jurnal Manajemen, 11(2), 212. https://doi.org/10.19166/derema.v11i2.231
Pande, P. R. E., Putra, I. N. T. A., & Putri, N. W. S. (2020). Rancang Bangun Sistem Informasi Pengajuan Kredit Pada Bumdesa Bersama Santhi Sedana. Telematika, 17(2), 171. https://doi.org/10.31315/telematika.v17i2.3620
Permana, R. A. (t.t.). Analisis Prosedur Pemberian Kredit Usaha Rakyat Bank Jatim Kantor Cabang Pembantu Kota Bangil. Jimat (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha, 13(03), 2022. https://doi.org/10.23887/jimat.v13i03.45161
PRISMADANA, M. (t.t.). Tinjauan Yuridis Terhadap Pemblokiran Rekening Nasabah Secara Sepihak Oleh Pihak Bank (Studi Kasus PT CIMB Niaga Kota Padang). Novum: Jurnal Hukum, 1(4), 2014. https://doi.org/10.2674/novum.v1i4.11995
Rahman, H. (2005). Hukum kredit dan bank garansi: The bankers handbook (Cet. 1). Citra Aditya Bakti.
Sipahutar, M. A. (2007). Persoalan-persoalan perbankan Indonesia (Cet. 1). Gorga Media : Distributor, Niaga Swadaya.
Sari, S., Layli, M., Marsuking, M., & ... (2023). Pengaruh Profitabilitas, Likuiditas, Leverage, Kebijakan Dividen dan Ukuran Perusahaan terhadap nilai perusahaan pada perusahaan terdaftar di Jakarta Islamic …. … Ekonomi Syariah https://ejournal.almaata.ac.id/index.php/JESI/article/view/2733%0Ahttps://ejournal.almaata.ac.id/index.php/JESI/article/download/2733/179
Suwardi, S. (31-10). Relaksasi Kebijakan Perbankan Ditengah Pandemi Covid 19 Dalam Penyaluran Kredit Perbankan. e-Jurnal Kewirausahaan, 4(2), 2021.
Syahrir Ika, S. Z. K. (2016). Transmisi BI Rate sebagai Instrumen untuk Mencapai Sasaran Kebijakan Moneter. Kajian Ekonomi dan Keuangan, 20(3), 261–284. https://doi.org/10.31685/kek.v20i3.208
Wahyuni, N. (2017). Penerapan Prinsip 5c Dalam Pemberian Kredit Sebagai Perlindungan Bank. Lex Journal: Kajian Hukum & Keadilan, 1(1). https://doi.org/10.25139/lex.v1i1.236
Widayanti, I. (2023). Laporan Akuntabilitas Dan Transparansi Kinerja Instansi Pemerintah ( Studi Kasus Kota Temanggung Jawa Tengah. 4(1), 1–13.
Zidny, M., Hasbi, N. ’, & Widayanti, I. (2022). Zakah Contribution for Community Economic Development with Analytical Networking Process Method. Bulletin of Islamic Economics, 1(1), 39–49. https://doi.org/10.14421/bie.2022.011-04
Downloads
Additional Files
Published
Issue
Section
License
Authors who publish with this journal agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication, with the work [SPECIFY PERIOD OF TIME] after publication simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
