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All Journal IPTEK Journal of Proceedings Series Jurnal Keuangan dan Perbankan
Mongid, Abdul
Banking Studies STIE Perbanas Surabaya, Indonesia Jl. Nginden Semolo No.36 Surabaya
Computer Science & IT Economics, Econometrics & Finance

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COST EFFICIENCY LEVEL OF RURAL BANKS IN EAST JAVA Mongid, Abdul; Notodihardjo, Fx Soegeng
Jurnal Keuangan dan Perbankan Vol 13, No 2 (2009): May 2009
Publisher : UNIVERSITY OF MERDEKA MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (535.799 KB) | DOI: 10.26905/jkdp.v13i2.941

Abstract

Abstract: Rural Bank (BPR) was an important part of financial service industry in Indonesia.Their pivotal role on lending to SMEs in the rural area made their existence very strategic torural development. However, due to its operational scale, rural bank charged higher interestrate than commercial bank. The study estimated the cost efficiency of rural banks usingparametric approach. The result found that rural bank efficiency was very high. The two yearcost efficiency estimated using frontier 4.1 was 95% and median was 100%. The lowest of costefficiency level was 32%. It meant cost inefficiency of the banks under investigated was around10%. The cost efficiency level in 2006 was on average 95% and the median was 100%. It meantthat 50% or more of the observation enjoyed 100% cost efficiency. The minimum was only67%. It meant they operated at very efficient level, leaving only 5% inefficiency. In 2007, adramatic change on efficiency level was going on. The average efficiency was dropped from11% to 89.9% due to increase on interest rate and price level.
The Review of Theoretical Bankruptcy Banking After the Global Financial Crisis Ummah, Shinta Hidayatul; Suhartono, Suhartono; Mongid, Abdul
IPTEK Journal of Proceedings Series No 1 (2020): The 1st International Conference on Business and Engineering Management (IConBEM)
Publisher : Institut Teknologi Sepuluh Nopember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12962/j23546026.y2020i1.7864

Abstract

Every company is vulnerable to bankruptcy, including banking industry. Bankruptcy of a bank will have an effect on other industries, because it as intermediation institution. If the intermediation process is stalled, the payment system will stall and disturb economic activities. Therefore research about indicator to predict the bankruptcy is important. Risk management must be implemented to detect and manage risk arising from bank operations. Banks can manage bankruptcy risk from the efficiency side. This study focus on the effect financial ratio (Return on Assets and Equity to Total Assets), size bank, and macroeconomic to bankruptcy predictions. Most of the bank's revenue from credit, it is on the asset side in the balanced sheet. If the bank has small assets then potentially have financial distress. The paper aims to conceptually and based on theoretical review studies. There are signaling and efficiency theory as basic theories related with these concept. By classifying the result of previous research, found some propositions: Return on Asset, Equity to Total Asset, Size Bank, Inflation and Gross Domestic Product are able to predict bank bankruptcy. The research believes that the proposition of this study result can be tested empirically mainly in banking industry
PENGEMBANGAN DAYA SAING UMKM DI MALAYSIA DAN SINGAPURA: SEBUAH KOMPARASI Abdul Mongid; FX Soegeng Notodihardjo
Jurnal Keuangan dan Perbankan Vol 15, No 2 (2011): May 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (253.641 KB) | DOI: 10.26905/jkdp.v15i2.1019

Abstract

Small and medium enterprises (SMEs) play a vital role in the Singapore and Malaysian economy and areconsidered to be the backbone of industrial development in the countries. This paper tries to investigate howgovernment play role in development of SMEs and in what kind of support. The key messages from this paperare SMEs in both countries were facing some similar problems especially from foreign competitors and accessto business opportunities but both had a different approach. In Malaysia, it is very clear that SMEs developmentis a part of efforts to restructure economic activities among ethnics groups. National Strategy for SMEdevelopment is also put in place. There is a synergic effort among government bodies to develop SMEs. BankNegara Malaysia plays an active role in supporting and financing. In Singapore, SMEs development programsare aimed as a conscious effort to foster local private enterprise. The strategy is applied to support theestablishment, development and then internationalization. Internationalization is stressed as Singapore openseconomy where free trade and globalization are as the soul. In the effort, no protection is given but support.Government strategy is to improve Money, Managerial, Market and Know-how it does. To increase access toglobal market, government assists SMEs in term of competency, connection and capital. Government requiresthe MNCs to serve both as mentors and as market outlets for their products. The target is to achieve theinternational competitiveness of SMEs through technology and international marketing requisites such asglobal standard and quality on the hope, SMEs will become a valuable partner in the future economic developmentof Singapore.
BANKS CLAIMS ON PRIVATE SECTOR AND MONETARY POLICY CHANNEL Suhartono Suhartono; Abdul Mongid; FX Soegeng Notodihardjo
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (142.53 KB) | DOI: 10.26905/jkdp.v14i3.984

Abstract

Banking industry is the main channel of monetary policy. As emphasized by the information-theoreticapproach, a central function of banks was to screen and monitor borrowers, thereby overcoming informationand incentive problems. By developing expertise in gathering relevant information, as well as by maintainingongoing relationships with customers, banks could control their business. Since 2000, Bank Indonesiastarted to implement a new framework of monetary policy and was initially applied in July 2005. Theimpact of new monetary policy framework was investigated within the banking capital adequacy regulationand economics framework. We found that stock exchange index (IHSG) was positive and significant at1%. Other variables such as FINSHARE, GM2, NPL, CAR, BIRATE were negative and significant. In general,we concluded that banking sector claims on the private sector was one of important monetary policychannels.
Co-Authors FX Soegeng Notodihardjo Notodihardjo, Fx Soegeng Suhartono Suhartono Suhartono, Suhartono Ummah, Shinta Hidayatul