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Pengaruh Tipe Kepemilikan Ultima Keluarga dan Negara Terhadap Risiko Likuiditas Bank Fadli, Jul Aidil; Sakti, Imanuel Madea
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 9, No 2 (2020): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v9i2.41637

This research aims to examine the effects of family and state bank ownership on bank liquidity risk. The 20% ownership threshold determines the type of ownership, and the robustness test determined by the 25% ownership threshold, then bank liquidity risk is measured by Loan to Deposit Ratio (LDR). This study also used bank size to measure total bank assets, dummy listed or non-listed banks on the Indonesia Stock Exchange, and Capital Adequacy Ratio (CAR) as a measure of bank capital. The data used in this research are panel data of 59 commercial banks operated in Indonesia since 2010 to 2016. Using multiple linear regression analysis with Generalized Least Square estimation, the result shows that banks owned by family or state have lower liquidity risk than banks that do not belong to family or state. This research can be a reference for The Financial Services Authority and Indonesia Deposit Insurance Corporation to establish strategies and regulations related to bank liquidity risk.

Pengaruh Tipe Kepemilikan Ultima Keluarga dan Negara Terhadap Risiko Likuiditas Bank Fadli, Jul Aidil; Sakti, Imanuel Madea
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 9, No 2 (2020): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v9i2.41637

This research aims to examine the effects of family and state bank ownership on bank liquidity risk. The 20% ownership threshold determines the type of ownership, and the robustness test determined by the 25% ownership threshold, then bank liquidity risk is measured by Loan to Deposit Ratio (LDR). This study also used bank size to measure total bank assets, dummy listed or non-listed banks on the Indonesia Stock Exchange, and Capital Adequacy Ratio (CAR) as a measure of bank capital. The data used in this research are panel data of 59 commercial banks operated in Indonesia since 2010 to 2016. Using multiple linear regression analysis with Generalized Least Square estimation, the result shows that banks owned by family or state have lower liquidity risk than banks that do not belong to family or state. This research can be a reference for The Financial Services Authority and Indonesia Deposit Insurance Corporation to establish strategies and regulations related to bank liquidity risk.

Kepemilikan Pemerintah, Kepemilikan Asing Dan Perilaku Pengambilan Risiko Bank Dengan Pendekatan Z-Score Sakti, Imanuel Madea; Fadli, Jul Aidil
Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Vol 6, No 1 (2021): APRIL 2021
Publisher : Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v6i1.917

Penelitian ini bertujuan untuk menguji pengaruh kepemilikan pemerintah dan asing terhadap perilaku pengambilan risiko bank dengan menggunakan pendekatan Z-score. Penelitian ini menggunakan data dari 76 bank umum konvensional di Indonesia selama periode 2012-2018. Variabel dependen perilaku pengambilan risiko bank diukur menggunakan Z-Score. Variabel independen kepemilikan bank diukur menggunakan proporsi pemegang saham pemerintah dan asing. Variabel kontrol adalah ukuran bank, likuiditas bank, efisiensi operasional bank, umur bank, dan produk domestik bruto. Terakhir, dalam robustness test, penelitian ini membagi sampel berdasarkan dummy kepemilikan untuk melihat peran kepemilikan pemerintah dan asing pada bank pemerintah dan swasta (domestik dan asing). Hasil menunjukkan bahwa kepemilikan pemerintah tidak terbukti dalam mengurangi perilaku pengambilan risiko bank, sebaliknya, kepemilikan asing terbukti dalam meningkatkan perilaku pengambilan risiko bank pada seluruh sampel dan sampel bank swasta.

Kepemilikan Pemerintah, Kepemilikan Asing Dan Perilaku Pengambilan Risiko Bank Dengan Pendekatan Z-Score Sakti, Imanuel Madea; Fadli, Jul Aidil
Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Vol 6, No 1 (2021): APRIL 2021
Publisher : Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v6i1.917

Penelitian ini bertujuan untuk menguji pengaruh kepemilikan pemerintah dan asing terhadap perilaku pengambilan risiko bank dengan menggunakan pendekatan Z-score. Penelitian ini menggunakan data dari 76 bank umum konvensional di Indonesia selama periode 2012-2018. Variabel dependen perilaku pengambilan risiko bank diukur menggunakan Z-Score. Variabel independen kepemilikan bank diukur menggunakan proporsi pemegang saham pemerintah dan asing. Variabel kontrol adalah ukuran bank, likuiditas bank, efisiensi operasional bank, umur bank, dan produk domestik bruto. Terakhir, dalam robustness test, penelitian ini membagi sampel berdasarkan dummy kepemilikan untuk melihat peran kepemilikan pemerintah dan asing pada bank pemerintah dan swasta (domestik dan asing). Hasil menunjukkan bahwa kepemilikan pemerintah tidak terbukti dalam mengurangi perilaku pengambilan risiko bank, sebaliknya, kepemilikan asing terbukti dalam meningkatkan perilaku pengambilan risiko bank pada seluruh sampel dan sampel bank swasta.

The Effect of Market Structure on Bank Performance in Central Java Imanuel Madea Sakti
Jurnal Economia Vol 16, No 1: April 2020
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Abstract: The research on the Structure-Conduct-Performance (SCP) hypothesis in the banking industry has been done many times, including in Indonesia. However, it still focuses on commercial banks. This research aims to examine the relationship between market structure and bank performance by involving commercial banks and rural banks (Bank Perkreditan Rakyat/BPR) when they are in the same market in the regency/city level. It uses panel data from 565 banks in Central Java: 261 BPR and 304 Commercial Banks, divided into 34 regencies/cities during 2012-2016. Independent variables involve market concentration and market share which is also as moderating variable, and the dependent variable is bank performance. The hypotheses are examined by multiple linear regression with a random effect model. In general, the results support that the market structure has a significant positive effect on bank performance. Another result has found no collusive behavior among dominant banks. Keywords: Structure-Conduct-Performance, Commercial Bank, Rural Bank, Market Structure, Bank Performance Pengaruh Struktur Pasar terhadap Kinerja Bank di Jawa Tengah Abstrak: Penelitian mengenai hipotesis Structure-Conduct-Performance (SCP) pada industri perbankan telah banyak dilakukan, termasuk di Indonesia. Namun, penelitian tersebut hanya berfokus pada bank umum saja. Penelitian ini bertujuan untuk menguji hubungan antara struktur pasar dan kinerja bank dengan melibatkan bank umum dan Bank Perkreditan Rakyat (BPR) ketika berada di pasar yang sama di tingkat kabupaten/kota. Penelitian ini menggunakan data panel terdiri dari 565 bank di Jawa Tengah: 261 BPR dan 304 Bank umum, yang terbagi ke dalam 34 kabupaten/kota selama tahun 2012-2016. Variabel independen yaitu konsentrasi pasar dan pangsa pasar yang sekaligus sebagai variabel moderasi, dan variabel dependen adalah kinerja bank. Hipotesis diuji menggunakan regresi linier berganda dengan random effect model. Secara umum, hasil mendukung bahwa struktur pasar berpengaruh positif signifikan terhadap kinerja bank. Hasil lainnya menunjukkan tidak terdapat perilaku kolusif di antara bank-bank besar. Kata kunci: . Structure-Conduct-Performance, Bank Umum, BPR, Struktur Pasar, Kinerja Bank.

FINANCIAL BOOTSTRAPPING DAN KINERJA UMKM: PERAN MODERASI LITERASI KEUANGAN Chintya Wira Dika; Maria Rio Rita; Imanuel Madea Sakti
Jurnal Kewirausahaan dan Bisnis Vol 26, No 1 (2021): June
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jkb.v26i1.44726

The classic problem faced by MSMEs is limited access to funds from banks. This makes MSMEs to look for alternative strategy, one of which is through financial bootstrapping. This study aimed to examine the effect of financial bootstrapping on the performance of MSMEs with financial literacy as a moderator. The research sample were 38 MSME owners in Salatiga City, which were tested by Moderated Regression Analysis (MRA). The results showed that financial bootstrapping had a negative effect on the performance of MSMEs and the moderating role of financial literacy were proven. This means that when financial bootstrapping is supported by financial literacy from business actors, business performance will increase.Key words: Financial Bootstrapping, Financial Literacy, MSMEs Performance

FINANCIAL BOOTSTRAPPING DAN KINERJA UMKM: PERAN MODERASI LITERASI KEUANGAN Chintya Wira Dika; Maria Rio Rita; Imanuel Madea Sakti
Jurnal Kewirausahaan dan Bisnis Vol 26, No 1 (2021): June
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jkb.v26i1.44726

The classic problem faced by MSMEs is limited access to funds from banks. This makes MSMEs to look for alternative strategy, one of which is through financial bootstrapping. This study aimed to examine the effect of financial bootstrapping on the performance of MSMEs with financial literacy as a moderator. The research sample were 38 MSME owners in Salatiga City, which were tested by Moderated Regression Analysis (MRA). The results showed that financial bootstrapping had a negative effect on the performance of MSMEs and the moderating role of financial literacy were proven. This means that when financial bootstrapping is supported by financial literacy from business actors, business performance will increase.Key words: Financial Bootstrapping, Financial Literacy, MSMEs Performance

FINANCIAL BOOTSTRAPPING DAN KINERJA UMKM: PERAN MODERASI LITERASI KEUANGAN Chintya Wira Dika; Maria Rio Rita; Imanuel Madea Sakti
Jurnal Kewirausahaan dan Bisnis Vol 26, No 1 (2021): June
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jkb.v26i1.44726

The classic problem faced by MSMEs is limited access to funds from banks. This makes MSMEs to look for alternative strategy, one of which is through financial bootstrapping. This study aimed to examine the effect of financial bootstrapping on the performance of MSMEs with financial literacy as a moderator. The research sample were 38 MSME owners in Salatiga City, which were tested by Moderated Regression Analysis (MRA). The results showed that financial bootstrapping had a negative effect on the performance of MSMEs and the moderating role of financial literacy were proven. This means that when financial bootstrapping is supported by financial literacy from business actors, business performance will increase.Key words: Financial Bootstrapping, Financial Literacy, MSMEs Performance

Determinants of Dividend Payout Ratio in Non-Financial Companies Listed Wafa Anggraeny; Robiyanto Robiyanto; Imanuel Madea Sakti
International Journal of Social Science and Business Vol. 4 No. 4 (2020): November
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v4i4.29583

This study aims to analyze the effect of both internal and external factors that determine the dividend payout ratio of non-financial companies listed in the IDX High dividend 20 during the period of 2015-2019. The independent variables of the company's internal factors are return on assets, earnings per share, and debt to equity ratio. The independent variables of the company's external factors are interest rates and inflation. The control variable used in this study is firm size. There were 13 companies listed in IDX High Dividend 20 by using the purposive sampling method. Data analysis used panel data regression which was analyzed three times by grouping the dividend payout ratio, low dividend, and high dividend. The results showed that the return on assets had a significant negative effect on the combined dividend payout ratio with a probability value (0.0309) and high dividend with a probability value (0.0067) smaller than the significance level (5%), but had no significant effect on the low dividend with a probability value (0.3283) greater than the significance level (5%). Earnings per share has no significant effect on the combined dividend payout ratio with a probability value (0.4151), low dividend with a probability value (0.1164), and high dividend with a probability value (0.3835) greater than the significance level (5%). It can be concluded that return on assets earning per share, firm size, and debt to equity ratio have an effect on dividend payout ratio.

Determinants of Dividend Payout Ratio in Non-Financial Companies Listed Wafa Anggraeny; Robiyanto Robiyanto; Imanuel Madea Sakti
International Journal of Social Science and Business Vol. 4 No. 4 (2020): November
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v4i4.29583

This study aims to analyze the effect of both internal and external factors that determine the dividend payout ratio of non-financial companies listed in the IDX High dividend 20 during the period of 2015-2019. The independent variables of the company's internal factors are return on assets, earnings per share, and debt to equity ratio. The independent variables of the company's external factors are interest rates and inflation. The control variable used in this study is firm size. There were 13 companies listed in IDX High Dividend 20 by using the purposive sampling method. Data analysis used panel data regression which was analyzed three times by grouping the dividend payout ratio, low dividend, and high dividend. The results showed that the return on assets had a significant negative effect on the combined dividend payout ratio with a probability value (0.0309) and high dividend with a probability value (0.0067) smaller than the significance level (5%), but had no significant effect on the low dividend with a probability value (0.3283) greater than the significance level (5%). Earnings per share has no significant effect on the combined dividend payout ratio with a probability value (0.4151), low dividend with a probability value (0.1164), and high dividend with a probability value (0.3835) greater than the significance level (5%). It can be concluded that return on assets earning per share, firm size, and debt to equity ratio have an effect on dividend payout ratio.

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