Author

Zuhrinal M. Nawawi

3 papers indexed here

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Open access Sep 2026

What Drives Banking Risk? Evidence from People’s Credit Banks in an Emerging Economy

This study examines the determinants of banking risk in People’s Credit Banks (Bank Perkreditan Rakyat/BPR) in North Sumatra, Indonesia. The research aims to analyze the influence of macroeconomic variables on banking risk, proxied by total credit disbursement. The study uses panel data from 53 rural banks during 2015–...

Oktavera Rizki, Helvina Sari, Y. Yusrizal et al. · EKONOMIS Journal of Economic... · 0 citations

Review Open access Aug 2026

Artificial Intelligence Credit Scoring in Bank Financing: A Systematic Literature Review

Advances in Artificial Intelligence (AI) have transformed the banking sector, particularly credit scoring systems, by improving the accuracy of credit risk assessment and the efficiency of financing decisions. However, AI implementation also presents challenges related to transparency, algorithmic bias, data protection...

Azhela Dwi Aryani, Zuhrinal M. Nawawi, Y. S. Nasution · Jurnal Penelitian Ilmu Ekono... · 0 citations

Open access Aug 2026

Triple Impact Model: Analysis of the Influence of Entrepreneurship Courses, Social Media Influencers, and E-Commerce on the Entrepreneurial Behavior of Febi Uinsu Students

The transformation of the digital economy has reshaped the way students develop entrepreneurial orientation. This study aims to analyze the influence of entrepreneurship education, social media influencers, and e-commerce on the formation of students’ digital entrepreneurial aspirations and orientation within the frame...

Nona Mardiana Siregar, Zuhrinal M. Nawawi, I. Imsar · SENTRALISASI · 0 citations