新冠肺炎疫情对小额金融收入的影响

Q3 Social Sciences
Apriatni E. P., Ngatno Ngatno
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引用次数: 0

摘要

本研究的目的是研究COVID-19大流行对印度尼西亚小额信贷机构(mfi)收入的影响。使用2017-2019年(大流行前)和2020-2021年(大流行期间)财务报告数据对181家小额信贷机构进行抽样。数据分析采用非参数检验(Wilcoxon符号秩检验)。结果显示,所有收入要素(利息收入、费用和佣金收入、营业收入和非营业收入)都显著下降。另一方面,新冠肺炎疫情对费用的影响是,一些费用要素(利息费用、折旧和摊销费用、营销费用、管理和一般费用、运营费用和非运营费用)大幅减少。至于手续费和佣金费用、研发费用和贷款减值费用,则下降不明显。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Impact of the Covid-19 Pandemic on Micro Finance Income
The purpose of this study was to examine the impact of the COVID-19 pandemic on the income of microfinance institutions (MFIs) in Indonesia. Using a sample of 181 microfinance institutions using financial report data for 2017–2019 (before the pandemic) and 2020–2021 (during the pandemic). Data were analyzed using a non-parametric test (Wilcoxon signed ranks test). The results show that all elements of income (interest income, fee, and commission income, operating income, and non-operational income) decreased significantly. On the other side of the impact of the COVID-19 pandemic on expenses, several elements of expenses have decreased significantly (interest expense, depreciation, and amortization expense, marketing expense, administration, and general expense, operational expense, and non-operational expense). As for fee and commission expenses, research and development expenses, and an impairment charge on loans, they decrease insignificantly.
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来源期刊
CiteScore
1.90
自引率
0.00%
发文量
118
期刊介绍: WSEAS Transactions on Environment and Development publishes original research papers relating to the studying of environmental sciences. We aim to bring important work to a wide international audience and therefore only publish papers of exceptional scientific value that advance our understanding of these particular areas. The research presented must transcend the limits of case studies, while both experimental and theoretical studies are accepted. It is a multi-disciplinary journal and therefore its content mirrors the diverse interests and approaches of scholars involved with sustainable development, climate change, natural hazards, renewable energy systems and related areas. We also welcome scholarly contributions from officials with government agencies, international agencies, and non-governmental organizations.
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