The Credit Restructuring Phenomenon of The MSMEs and its Effect on Banking Financial Performance During The Pandemic of Covid-19

Agregat: Jurnal Ekonomi dan Bisnis

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Title The Credit Restructuring Phenomenon of The MSMEs and its Effect on Banking Financial Performance During The Pandemic of Covid-19
 
Creator Rachmadi, Febi
Suyono, Eko
 
Subject Credit Restructuring, NPL (Non Performing Loans), NIM (Net Interest Margin), Financial Performance, The pandemic of COVID-19
 
Description The purpose of this study is to analyze and explain the effect of the implementation of credit restructuring carried out by banks in the SMEs sector on the financial performance of banks during the pandemic of COVID-19 where NPL and NIM items are the intermediaries. The discussion of this paper is based on the phenomenon that is happening now where almost banking institutions conduct credit restructuring in the MSMEs sector during the pandemic of COVID-19. The results of the study explain that credit restructuring affects the performance of banks that can maintain profitability through suppressing PPAP costs, credit restructuring can reduce non-performing loans (NPL), whereas credit restructuring can reduce interest rates due to changes in accounting treatment particularly in the recognition of restructured credit interest income.
 
Publisher Universitas Muhammadiyah Prof. DR HAMKA.
 
Date 2021-03-30
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://journal.uhamka.ac.id/index.php/agregat/article/view/5220
 
Source Agregat: Jurnal Ekonomi dan Bisnis; Vol. 5 No. 1 (2021); 37-55
2549-7243
2549-5658
10.22236/agregat_vol5/is1
 
Language eng
 
Relation https://journal.uhamka.ac.id/index.php/agregat/article/view/5220/2335
 
Rights Copyright (c) 2021 Agregat: Jurnal Ekonomi dan Bisnis
 

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