Factors Affecting the Amount of Credit

Oct 13, 2025 by talynt.org 33 views

Introduction

The banking industry in Indonesia has experienced rapid development despite being hit by a prolonged economic crisis. This situation is actually a challenge for Muslim entrepreneurs to establish banks with sharia principles. PT BPR Syariah Puduarta Insani Tembung is one of the financial institutions operating based on law sourced from the Qur'an and Al-Hadist, prioritizing sharia values in each of its operational activities. The basic principles of the operational of Islamic banks emphasize compliance with orders and prohibitions contained in the Qur'an and the Sunnah of the Apostle. The operational activities of PT BPR Syariah Puduarta Insani Tembung must be in line with the applicable ethics and norms, so that it is not only oriented to profit, but also on blessings and benefits for the community.

In this context, this study aims to analyze the factors that affect the amount of credit channeled by the bank, with a focus on the relationship between the amount of savings and the deposit collected. Research conducted by the author aims to find out whether there is a significant relationship between the amount of savings, the number of deposits collected, and the amount of credit distributed by PT BPR Syariah Puduarta Insani Tembung. The results of the analysis are expected to provide a deeper understanding of the operational dynamics of Islamic banks, as well as provide beneficial input for the company.

Factors Affecting the Amount of Credit

There are several factors that can affect the amount of credit channeled by Islamic banks, including:

1. Number of Savings and Deposits

One of the main factors that affect the amount of credit is the ability of banks in collecting funds. The more savings and deposits that have been collected, the greater the potential of the bank to channel credit. In this case, it is important for PT BPR Syariah Puduarta Insani Tembung to continue to improve marketing strategies to attract new customers and maintain existing customers. Effective marketing strategies can help increase the number of savings and deposits, which in turn can increase the amount of credit distributed.

2. Quality of Financing

Quality in providing financing is also very influential on the amount of credit distributed. PT BPR Syariah Puduarta Insani Tembung needs to have a good credit assessment mechanism to avoid non-performing loans that can have a negative impact on bank liquidity and performance. A good credit assessment mechanism can help ensure that the bank provides credit to customers who are able to repay it, which can increase the amount of credit distributed.

3. Monetary Policy

Strict monetary policy can limit the ability of banks to provide credit, while policies that support the development of the MSME sector can increase the amount of credit distributed. For example, a policy that provides incentives for banks to lend to MSMEs can increase the amount of credit distributed to this sector.

4. Market Analysis

Banks need to conduct market analysis to find out the needs of customers and develop appropriate products, in order to attract customers to apply for credit. This can help increase the amount of credit distributed, as customers are more likely to apply for credit if they feel that the bank understands their needs and can provide them with the right products.

5. Bank Financial Performance

Healthy financial performance will increase public confidence to save and invest in banks. PT BPR Syariah Puduarta Insani Tembung must ensure that the financial statements are transparent and can be accounted for. This can help increase the amount of credit distributed, as customers are more likely to trust a bank that is transparent and accountable.

Conclusion

The results of this study are expected to provide better insight about the relationship between the amount of savings, deposits, and credit distributed. This information can be used as a reference for PT BPR Syariah Puduarta Insani Tembung to improve its performance in the national Islamic banking market. In addition, the results of this study are also useful for writers to understand more about the operational dynamics of Islamic banks and their contribution to the economy of the people. By paying attention to the factors that influence, it is expected that banks can increase effectiveness and efficiency in lending, so that it can contribute positively to the economic development of the community.

Recommendations

Based on the results of this study, the following recommendations can be made:

PT BPR Syariah Puduarta Insani Tembung should continue to improve its marketing strategies to attract new customers and maintain existing customers.
The bank should have a good credit assessment mechanism to avoid non-performing loans.
The bank should conduct market analysis to find out the needs of customers and develop appropriate products.
The bank should ensure that its financial statements are transparent and can be accounted for.
The bank should consider implementing policies that support the development of the MSME sector.

By implementing these recommendations, PT BPR Syariah Puduarta Insani Tembung can increase the amount of credit distributed and contribute positively to the economic development of the community.

Q: What are the main factors that affect the amount of credit distributed by PT BPR Syariah Puduarta Insani Tembung?

A: The main factors that affect the amount of credit distributed by PT BPR Syariah Puduarta Insani Tembung are:

Number of Savings and Deposits: The ability of the bank to collect funds is a crucial factor in determining the amount of credit that can be distributed.
Quality of Financing: The quality of financing provided by the bank is also an important factor, as it can affect the bank's ability to recover loans and maintain liquidity.
Monetary Policy: Monetary policy can also impact the amount of credit distributed by the bank, as it can affect the bank's ability to lend and the interest rates charged on loans.
Market Analysis: Conducting market analysis to understand customer needs and develop appropriate products is also essential in determining the amount of credit that can be distributed.
Bank Financial Performance: The bank's financial performance is also a critical factor, as it can affect the bank's ability to attract deposits and maintain customer trust.

Q: How can PT BPR Syariah Puduarta Insani Tembung improve its marketing strategies to attract new customers and maintain existing customers?

A: PT BPR Syariah Puduarta Insani Tembung can improve its marketing strategies by:

Developing a strong brand identity: Creating a strong brand identity that resonates with customers and sets the bank apart from competitors.
Using digital marketing channels: Utilizing digital marketing channels such as social media, email marketing, and online advertising to reach a wider audience.
Offering competitive products and services: Offering competitive products and services that meet the needs of customers and provide value for money.
Providing excellent customer service: Providing excellent customer service that is responsive, helpful, and courteous.
Building relationships with customers: Building relationships with customers through regular communication, feedback, and engagement.

Q: What is the importance of having a good credit assessment mechanism in determining the amount of credit distributed?

A: Having a good credit assessment mechanism is essential in determining the amount of credit distributed because it helps the bank to:

Assess creditworthiness: Assess the creditworthiness of customers and determine their ability to repay loans.
Reduce risk: Reduce the risk of non-performing loans and maintain liquidity.
Increase efficiency: Increase efficiency in lending and reduce the time and cost associated with loan processing.
Improve customer satisfaction: Improve customer satisfaction by providing loans that meet their needs and provide value for money.
Enhance reputation: Enhance the bank's reputation by demonstrating a commitment to responsible lending practices.

Q: How can PT BPR Syariah Puduarta Insani Tembung ensure that its financial statements are transparent and can be accounted for?

A: PT BPR Syariah Puduarta Insani Tembung can ensure that its financial statements are transparent and can be accounted for by:

Maintaining accurate and complete records: Maintaining accurate and complete records of financial transactions and events.
Following accounting standards: Following accounting standards and guidelines to ensure that financial statements are presented in a consistent and comparable manner.
Providing clear and concise financial reports: Providing clear and concise financial reports that are easy to understand and provide relevant information.
Conducting regular audits: Conducting regular audits to ensure that financial statements are accurate and reliable.
Disclosing material information: Disclosing material information about the bank's financial performance and position.

Q: What are the benefits of implementing policies that support the development of the MSME sector?

A: The benefits of implementing policies that support the development of the MSME sector include:

Increased access to credit: Increased access to credit for MSMEs, which can help them to grow and develop.
Improved economic growth: Improved economic growth and development, as MSMEs are a significant contributor to GDP.
Job creation: Job creation, as MSMEs are a significant source of employment.
Increased competitiveness: Increased competitiveness, as MSMEs are able to compete with larger businesses.
Improved living standards: Improved living standards, as MSMEs are able to provide goods and services that meet the needs of customers.