COVID-19 has an impact on SMEs. Therefore BNI is making efforts to save credit.in.the.form of credit restructuring.for.debtors who are caused by COVID-19. The aim of this study is to determine the effect of restructuring, nominal loan size, and the business industry sector on the Quality of MSME Debtor Loan Assets in West Sumatra Province, Riau Province and Riau Islands Province. this research is quantitative.research with the object of research namely PT. Bank Negara Indonesia (Persero) Tbk. the.sample in.this.study was 210 indicators taken using a purposive sampling technique. The collected data is then analyzed statistically with.SPSS. The results of this.study shows that the Provision of Restructuring has a significant effect on the Quality of Debtor Assets at PT Bank Negara Indonesia (Persero). Then, the Industrial Sector partially has a significant effect on the Quality of Debtor Assets at PT Bank Negara Indonesia (Persero) Tbk. The nominal loan partially has a significant.effect.on the quality.of theldebtor's assets at PT Bank Negara Indonesia (Persero) Tbk. Gender moderates the relationship between Restructuring Grants and Debtor Asset Quality at PT Bank Negara Indonesia (Persero) Tbk RegionallOffice 02. However, gender partially does notlsignificantlylmoderate the relationship between the Industrial Sector and Debtor Asset Quality at PT Bank Negara Indonesia (Persero) Tbk. Gender moderates the relationship between the loan nominal andlthe quality of the debtor'slassets at PT Bank Negara Indonesia (Persero) Tbk.
Anwar, M. (2010). Small Business Financing and Bank Performance: Empirical Study of Indonesian Public Banks. The 2nd Indonesian International Conference on Innovation, Entrepreneurship & Small Business (IICES 2010), 11(2). https://doi.org/http://dx.doi.org/10.2139/ssrn.1670595
Baker, T., & Judge, K. (2020). How to Help Small Businesses Survive COVID-19. Center for Law & Economic Studies Working Paper, 620(2), 134–142. https://scholarship.law.columbia.edu/faculty_scholarship/2639
Chosyali, A., & Sartono, T. (2019). Optimizing Credit Quality Improvement in the Context of Overcoming Problem Credit. Law Reform, 15(1), 98–112. https://doi.org/https://doi.org/10.14710/lr.v15i1.23357
Dardac, N., Barbu, TC, & Boitan, IA (2011). Impact of Credit Restructuring on the Quality of Bank Asset Portfolio. Acta Universitatis Danubius, 3(3), 162–173.
Disemadi, HS, & Shaleh, AI (2020). Banking credit restructuring policy amid COVID 19. Journal of Economic Innovation, 5(02), 9–15.
Fatimah, S. (2019). Sensitivity of Bank's Significant Ratio to High and Low Bank Credit in Indonesia. Jember State University.
Indrawati, W. (2008). The Influence of Liquidity Ratio, Asset Quality, Efficiency, Earnings, Market Sensitivity to Capital Adequacy Ratio (CAR) in Government Banks. PERBANAS School of Economics Surabaya.
Priatna, IK, Putrama, IM, & Divayana, DGH (2017). Development of E-Modules Based on Project Based Learning Models in Videography Subjects for Class X Students of Visual Communication Design at SMK Negeri 1 Sukasada. JANAPATI: National Journal of Informatics Engineering Education, 6(1), 1–9.
Roos, HF (2011). The Effect of Business Risk on the Capital Adequacy Ratio at Regional Development Banks. Perbanas College of Economics Surabaya.
Sherlywati, Handayani, R., & Harianti, A. (2017). Comparative Analysis of the Entrepreneurial Capabilities of Women and Men Entrepreneurs: Studies on MSMEs in the City of Bandung. Maranatha Journal of Management, 16(2), 155. https://doi.org/10.28932/jmm.v16i2.386
Tobing, W. (2020). The Relationship between Covid 19 and the Education, Economy and Agriculture (Ecology) Sector in Indonesia. Journal of Health Sciences, 1(5), 613–628. https://doi.org/10.46799/jsa.v1i5.88