273 research outputs found
Π£Π²Π»Π΅ΡΠ΅Π½ΠΈΠ΅ ΠΊΠΎΠΌΠΏΡΡΡΠ΅ΡΠ½ΡΠΌΠΈ ΠΈΠ³ΡΠ°ΠΌΠΈ ΠΊΠ°ΠΊ ΡΠ°ΠΊΡΠΎΡ ΡΠΎΡΠΌΠΈΡΠΎΠ²Π°Π½ΠΈΡ Π°Π΄Π΄ΠΈΠΊΡΠΈΠ²Π½ΠΎΠ³ΠΎ ΠΏΠΎΠ²Π΅Π΄Π΅Π½ΠΈΡ
ΠΠ΅ΡΠΎΠ΄ΠΈΡΠ½Ρ Π²ΠΊΠ°Π·ΡΠ²ΠΊΠΈ ΠΏΠΎ ΠΎΡΠ³Π°Π½ΡΠ·Π°ΡΡΡ Ρ ΠΏΠ»Π°Π½ΡΠ²Π°Π½Π½Ρ ΡΠ°ΠΌΠΎΡΡΡΠΉΠ½ΠΎΡ ΡΠΎΠ±ΠΎΡΠΈ Π· Π΄ΠΈΡΡΠΈΠΏΠ»ΡΠ½ΠΈ "ΠΠ’-ΡΠ½ΡΡΠ°ΡΡΡΡΠΊΡΡΡΠ° ΡΡΡΠ°ΡΠ½ΠΎΠ³ΠΎ ΠΏΡΠ΄ΠΏΡΠΈΡΠΌΡΡΠ²Π°"
ΠΠ΅ΡΠΎΠ΄Ρ ΠΈΠ·ΠΌΠ΅ΡΠ΅Π½ΠΈΡ ΠΏΠΎΠΊΠ°Π·Π°ΡΠ΅Π»Ρ ΡΠΏΠ°Π΄Π°Π½ΠΈΡ ΠΌΠ°Π³Π½ΠΈΡΠ½ΠΎΠ³ΠΎ ΠΏΠΎΠ»Ρ Π² ΡΡΠΊΠΎΡΠΈΡΠ΅Π»ΡΠ½ΡΡ ΡΡΡΠ°Π½ΠΎΠ²ΠΊΠ°Ρ
THE EXISTENCE OF ASYMMETRIC INFORMATION IN CREDIT ANALYSIS OF THE COMMUNITY CREDIT BANK (CCB)
Asymmetric information in credit market existence arises when the bank is not able to identify borrower based on the
probability of repayment. This situation can cause credit defaults. The high of nonperforming loan in CCB credit market
refers to the high of credit defaults which indicate the existence of asymmetric information in CCB credit analysis. This
research empirically identifies asymmetric information in CCB credit analysis which the objective is to analyze how the
indicators of credit analysis can explain the quality of borrower credit collectability. The hypothesis of the research is the
indicators of credit analysis cannot explain the quality of borrower credit collectability.Survey is conducted randomly to 36
of CCB in 6 provinces in Java Island that represent incorporate CCB which member of Indonesian CCB association. Unit
analyses of the research are 2.268 borrower bundle credit accounts. Frequency and cross tabulation statistics are used to do
descriptive analysis, since binary logistic regression is used todo the verification analysis. Test results showed that less than
20% variation of dependent variables can be explained by 26 independent variables in logistic regression model research. It
is stated that the indicators of credit analysis that is used during BPR can only explain less than 20% the quality of borrower
credit collectability being good or default. More than 80% variations in the quality of borrower credit collectability can not
be precisely described by the indicators of credit analysis in the model. This indicates that the BPR is not able to identify the
borrower based on the probability level of credit payments. Analysisof indicators of credit used by the BPR was not able to
produce signals that can identify borrowers based on the probability level of credit payments. The results of this study stated
that there are asymmetric information on credit analysis of BPR
ΠΡΠ²ΠΎΠ΄ ΡΠΎΡΠΌΡΠ»Ρ ΠΏΡΠΈΡΠΎΠΊΠ° Π² Π³ΠΈΠ΄ΡΠΎΠ΄ΠΈΠ½Π°ΠΌΠΈΡΠ΅ΡΠΊΠΈ Π½Π΅ΡΠΎΠ²Π΅ΡΡΠ΅Π½Π½ΡΡ ΡΠΊΠ²Π°ΠΆΠΈΠ½Ρ
Π’Π΅Π½Π΄Π΅Π½ΡΠΈΠΈ ΠΎΡΡΠ°ΡΠ»Π΅Π²ΠΎΠΉ Π·Π°Π½ΡΡΠΎΡΡΠΈ Π½Π° ΠΏΡΠΈΠΌΠ΅ΡΠ΅ Π’ΠΎΠΌΡΠΊΠΎΠΉ ΠΎΠ±Π»Π°ΡΡΠΈ
Π ΡΡΠ°ΡΡΠ΅ ΠΏΡΠ΅Π΄ΡΡΠ°Π²Π»Π΅Π½ ΡΠ΅Π·ΡΠ»ΡΡΠ°Ρ Π°Π½Π°Π»ΠΈΠ·Π° ΠΏΠΎΠΊΠ°Π·Π°ΡΠ΅Π»Π΅ΠΉ, ΠΎΡΡΠ°ΠΆΠ°ΡΡΠΈΡ
ΠΎΡΡΠ°ΡΠ»Π΅Π²ΡΡ Π·Π°Π½ΡΡΠΎΡΡΡ Π² Π ΠΎΡΡΠΈΠΈ. ΠΡΡΠ²Π»Π΅Π½Ρ ΡΠ°ΠΊΡΠΎΡΡ, Π²Π»ΠΈΡΡΡΠΈΠ΅ Π½Π° ΡΠ°Π·Π²ΠΈΡΠΈΠ΅ ΠΎΡΡΠ°ΡΠ»Π΅Π²ΠΎΠΉ Π·Π°Π½ΡΡΠΎΡΡΠΈ. ΠΡΠ΅Π΄ΡΡΠ°Π²Π»Π΅Π½ ΠΊΠΎΠΌΠΏΠ»Π΅ΠΊΡ ΠΌΠ΅ΡΠΎΠΏΡΠΈΡΡΠΈΠΉ, Π½Π°ΠΏΡΠ°Π²Π»Π΅Π½Π½ΡΠΉ Π½Π° ΡΠ½ΠΈΠΆΠ΅Π½ΠΈΠ΅ Π½Π΅Π³Π°ΡΠΈΠ²Π½ΠΎΠ³ΠΎ Π²ΠΎΠ·Π΄Π΅ΠΉΡΡΠ²ΠΈΡ ΡΠ°ΠΊΡΠΎΡΠΎΠ² ΡΠ°Π·Π²ΠΈΡΠΈΡ ΠΎΡΡΠ°ΡΠ»Π΅Π²ΠΎΠΉ Π·Π°Π½ΡΡΠΎΡΡΠΈ
ΠΠ°Π²ΠΈΡΠΈΠΌΠΎΡΡΡ Π΄ΠΈΠ°ΠΌΠ΅ΡΡΠ° Π²ΠΎΠ΄ΠΎΠΏΠΎΠ½ΠΈΠ·ΠΈΡΠ΅Π»ΡΠ½ΡΡ ΡΠΊΠ²Π°ΠΆΠΈΠ½ ΠΎΡ ΡΠΈΠΏΠ° ΠΏΡΠΈΠ½ΡΡΠΎΠ³ΠΎ Π½Π°ΡΠΎΡΠ°
- β¦