Claim Missing Document
Check
Articles

Found 2 Documents
Search

Analisis Portofolio Sumber Dana PT Bank X Sebagai Instrumen Optimalisasi Budgeting dan Pengambilan Strategi Putra, Yudha Pradipta; Dewi, Farida Ratna
Jurnal Manajemen dan Organisasi Vol. 1 No. 1 (2010): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (521.857 KB) | DOI: 10.29244/jmo.v1i1.14139

Abstract

The rising of credit expansion by PT Bank X has an implication to the high needs of fund. The fund source of PT Bank X derived from third party fund account and transfer fund among offices. Every funding source has advantages, disadvantages and cost which must be examined because it can affect the bank’s income. The purposes of this research are: (1) to identify the funding structure of PT Bank X, (2) to analyze the effect of every funding source to the PT Bank X, and (3) to analyze how the portfolio funding structure can be used to the budgeting process and strategy formulation. The funding source of PT Bank X consists of third party fund account and transfer fund among offices. In 2005-2007 period, transfer fund among offices gave the biggest contribution in the funding source portfolio. The demand deposit gave the biggest impact in the income. Saving deposit also gave the positive affect and significant. The cost of saving deposit is quite low. Although demand deposit and saving deposit are included as the unstable fund in the asset portfolio of PT Bank X, the potential and the growth level which are very high can help PT Bank X to provide fund with low cost. Interest from the use of transfer fund among offices is quite big that give the negative impact to the income.
Rationality of Institutional Investor and Investment Decisions in Crisis (A Case Study in Indonesia's Top-4 Banks) Putra, Yudha Pradipta; Ermawati, Wita Juwita; Suprayitno, Gendut
Jurnal Aplikasi Bisnis dan Manajemen Vol. 10 No. 1 (2024): JABM, Vol. 10 No. 1, Januari 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.1.125

Abstract

The Covid-19 pandemic triggered fluctuations on the Indonesia Stock Exchange (BEI), particularly in 2020 and 2021. Using data from 720 institutional investors from Indonesia's four largest banks (known as KBMI 4), this study aims to (1) examine the rationality of institutional investors during the pandemic by focusing on investment changes and (2) identifying variables associated with macroeconomics, financial fundamentals, and stock performance that may influence their investment decision. This study employed the Kruskal-Wallis test followed by Dunnett's Multiple Comparison Test. The analysis of the entire sample of investors revealed no statistically significant differences in the value of their investments during the observation period. Further clustered based analysis reveals that investors with high investment value (>$98,700) exhibit investment dynamics, as investment values rose from pre-pandemic levels. The conclusion is that institutional investors have a distinct rationality than individual investors and are generally less susceptible to bias. Panel data modeling: inflation rate, Loan at Risk (LAR) ratio, LAR coverage and Return on Equity (ROE) have a statistically significant impact on the stock investments made by institutional investors in KBMI 4 banks. This identifies asset quality and profitability as two crucial considerations for investors during the pandemic-induced crisis. Keywords: behavioral finance, covid-19, determinant factors, institutional investors, stock investment