Understanding the Complexity of Banking Loan Absorption during Pandemic in Indonesia: A Conceptual Model

Jeffry Kurniawan Zheta, Andri D. Setiawan, A. Hidayatno
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Abstract

Indonesia experienced negative economic growth in the 2nd and 3rd quarters due to the COVID-19 pandemic. One of the government's efforts on economic recovery is the Pemulihan Ekonomi Nasional (PEN) Program. The program includes the placement of government funds in banks which are expected to be absorbed immediately to boost economic growth. The bank carries out its business function as a channel of funds for the people. However, increasing loan fund absorption by the community is arduous and not simple. The dynamic complexity of disbursing funds to the communities adds to the challenge of achieving objectives. One way to address this challenge is by uncovering the disbursing process's complexity, yet it is still got little attention. This paper aims to understand and analyze the complex structure of increasing bank loan absorption in Indonesia. With this aim, this paper contains an analysis of the increase in bank loan absorption with a holistic and systematic approach using a system dynamics approach. Many factors can influence the absorption of bank loans in Indonesian society. Furthermore, rigidity in risk management and technological strength are key factors in the form of bank intervention in increasing the absorption of bank loans but still have their risks to be anticipated.
理解流行病期间印度尼西亚银行贷款吸收的复杂性:一个概念模型
受新冠肺炎疫情影响,印尼第二季度和第三季度经济出现负增长。政府为经济复苏所做的努力之一是国家经济计划(PEN)。该方案包括将政府资金存入银行,这些资金预计将立即被吸收,以促进经济增长。银行履行其为人民提供资金的渠道的业务职能。然而,增加社会对贷款资金的吸收是一项艰巨而又不简单的工作。向社区支付资金的动态复杂性增加了实现目标的挑战。解决这一挑战的一种方法是揭示支付过程的复杂性,但它仍然很少受到关注。本文旨在了解和分析印尼银行贷款吸收增长的复杂结构。为此,本文采用系统动力学方法,以整体和系统的方法分析了银行贷款吸收的增加。印尼社会吸收银行贷款的因素有很多。此外,风险管理的刚性和技术实力是银行干预形式增加银行贷款吸收的关键因素,但其风险仍有待预测。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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