Indicators of Giving Interest Rates to Customers and Debtors at PT. Bank X in Medan, Indonesia

Authors

  • Mazli M. WARDHANI
  • Novi Natalia PADANG
  • Iskandar MUDA
  • Alexandru Mircea Nedelea Stefan cel Mare University of Suceava

Keywords:

Efficient Contracts, Providing Credit

Abstract

This paper aims to examine how efficient contracts in providing credit, especially in PT. Bank X. The issues that will be raised in this paper are, first, what is the basis for the credit extension of PT. Bank X to customers, the second analysis of which financial statements are used by PT. Bank X, and the third system of providing and credit supervision that should have been implemented by PT. Bank X. The approach used in this paper is a qualitative approach, namely the research method used to study scientific objects. The academic implication of this paper is that there is a theoretical understanding of efficient contact in providing credit to customers. Meanwhile, the practical implications for this journal are expected to be taken into consideration for business actors, particularly the banking service industry in terms of efficient contracts and providing credit.

Author Biography

Alexandru Mircea Nedelea, Stefan cel Mare University of Suceava

Alexandru NEDELEA, Ph.D., is an Associate Professor of Marketing at the University Stefan cel Mare of Suceava, Romania. He has written extensively for a wide range of academic and professional audience: Small and Medium Enterprises in Contemporary Society (KMV, Germany), International Tourism: World Geography and Developmental Perspectives (Abhijeet Publications, New Delhi, India), Tourism Marketing (Derc Publishing House, Tewksbury, USA), Knowledge Management Practices, Comparative Tourism Marketing Case Studies (Abhijeet Publications, New Delhi, India). He is editor-in-chief of the journals Ecoforum and Revista de turism 9Journal of Tourism: Studies and Research in Tourism) and member of the editorial board of the journals Amfiteatru Economic (indexed in Thomson Reuters - ISI Web of Knowledge), International Journal of Leisure and Tourism Marketing, Journal of Tourism: An International Research Journal, Tourism Today, World Journal of Ecotourism, Tourism Issues, European Journal of Tourism Research, Environmental Economics. He has been accorded membership in scientific associations like International Association of Scientific Experts in Tourism, International Association on Public and Non Profit Marketing, Romanian Marketing Association, International Network for Research in Consumer Behaviour Studies, Regional Science Association International, World Research Club (WRC), American Society for Public Administration, European Association of Research on Services (RESER), Marketing and Tourism Research Interest Committees - EuroMed Research Business Institute (EMRBI), Centre International de Recherche et d`Etudes Touristiques (CIRET). He is coordinator of Asian Studies Club Romania-China (www.romania-china.ro), Voyage Club (www.clubvoiaj.ro), Bucovina Tourism Marketing Center (www.tourisminbucovina.ro), Volunteer Order (www.ordinulvoluntarilor.ro) and Marketing Club (www.marketingclub.ro)Contact:E-mail: alnedelea(at)yahoo.com Stefan cel Mare University of Suceava, Romania Faculty of Economic Sciences and Public Administration Economy, Business Administration and Tourism Department 720229, Suceava, 13, Universitatii Street Phone: + 40 230 522978 int.297

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Published

05.01.2022

Issue

Vol. 11 No. 1 (2022)

Section

Management, Marketing and Business Administration

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