The role of infrastructure loan in the regional development bank
This paper aims to examine the role of infrastructure loan in Indonesian regional development banks. This research further analyze the relationship between types of loan and NPL. The paper employs the approaches of simulation and panel data regression on a sample of 24 Indonesian regional develo...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
Penerbit Universiti Kebangsaan Malaysia
2020
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| Online Access: | http://journalarticle.ukm.my/17081/ http://journalarticle.ukm.my/17081/1/jeko_54%283%29-6.pdf |
| _version_ | 1848814222142603264 |
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| author | Karamoy, Herman Tasik, Hizkia H. D. |
| author_facet | Karamoy, Herman Tasik, Hizkia H. D. |
| author_sort | Karamoy, Herman |
| building | UKM Institutional Repository |
| collection | Online Access |
| description | This paper aims to examine the role of infrastructure loan in Indonesian regional development banks. This research
further analyze the relationship between types of loan and NPL. The paper employs the approaches of simulation and
panel data regression on a sample of 24 Indonesian regional development banks over 2009 to 2016. It examines the
financial performance of bank that have not offering infrastructure loan. It further simulates the financial performance
of the bank when infrastructure loan is offered, and compares it to the initial financial performance. The results
found that the banks perform better when they provide infrastructure loan than without such loan. However, the
better performance of the banks in profitability and cost management is a result of the trade-off with lower liquidity.
Our finding based on panel data regression indicates that Working Capital Loan and Consumptive Loan are the
main contributors to the NPL. However, there is an indication that the increased in long term loan that includes
infrastructure loan able to reduce the NPL. |
| first_indexed | 2025-11-15T00:30:39Z |
| format | Article |
| id | oai:generic.eprints.org:17081 |
| institution | Universiti Kebangasaan Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T00:30:39Z |
| publishDate | 2020 |
| publisher | Penerbit Universiti Kebangsaan Malaysia |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | oai:generic.eprints.org:170812021-07-16T02:10:19Z http://journalarticle.ukm.my/17081/ The role of infrastructure loan in the regional development bank Karamoy, Herman Tasik, Hizkia H. D. This paper aims to examine the role of infrastructure loan in Indonesian regional development banks. This research further analyze the relationship between types of loan and NPL. The paper employs the approaches of simulation and panel data regression on a sample of 24 Indonesian regional development banks over 2009 to 2016. It examines the financial performance of bank that have not offering infrastructure loan. It further simulates the financial performance of the bank when infrastructure loan is offered, and compares it to the initial financial performance. The results found that the banks perform better when they provide infrastructure loan than without such loan. However, the better performance of the banks in profitability and cost management is a result of the trade-off with lower liquidity. Our finding based on panel data regression indicates that Working Capital Loan and Consumptive Loan are the main contributors to the NPL. However, there is an indication that the increased in long term loan that includes infrastructure loan able to reduce the NPL. Penerbit Universiti Kebangsaan Malaysia 2020 Article PeerReviewed application/pdf en http://journalarticle.ukm.my/17081/1/jeko_54%283%29-6.pdf Karamoy, Herman and Tasik, Hizkia H. D. (2020) The role of infrastructure loan in the regional development bank. Jurnal Ekonomi Malaysia, 54 (3). pp. 77-87. ISSN 0127-1962 https://www.ukm.my/fep/jem/content/2020-3.html |
| spellingShingle | Karamoy, Herman Tasik, Hizkia H. D. The role of infrastructure loan in the regional development bank |
| title | The role of infrastructure loan in the regional development bank |
| title_full | The role of infrastructure loan in the regional development bank |
| title_fullStr | The role of infrastructure loan in the regional development bank |
| title_full_unstemmed | The role of infrastructure loan in the regional development bank |
| title_short | The role of infrastructure loan in the regional development bank |
| title_sort | role of infrastructure loan in the regional development bank |
| url | http://journalarticle.ukm.my/17081/ http://journalarticle.ukm.my/17081/ http://journalarticle.ukm.my/17081/1/jeko_54%283%29-6.pdf |