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All Journal Enrichment : Journal of Management Jurnal Ekonomi dan Manajemen Indonesia
Susanti, Susy
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Exploring proxies of net interest margin : a comparative analysis of asian developed and emerging banking sector Susanti, Susy; Budhidharma, Valentino
Enrichment : Journal of Management Vol. 14 No. 3 (2024): August: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v14i3.1957

Abstract

This study aims to explore the proxies of Net Interest Margin (NIM) across banks in both developed and emerging Asian countries. The research spans from the first quarter of 2012 to the fourth quarter of 2023 and involves countries including Japan, Hong Kong, Singapore (developed) and Indonesia, Malaysia, and the Philippines (emerging). The estimation method is panel data, using fixed effects panel data regression to accommodate variations over time and across entities. The result showed that in developed countries, banks benefit from maintaining a low Cost-to-Income Ratio (CIR) and managing provisions effectively, enhancing operational efficiency and profitability. Challenges such as the negative impact of larger asset sizes and economic shocks like COVID-19 necessitate innovative and adaptive strategies. While in emerging countries, effective management of provisions, along with adapting to GDP growth and inflation impacts, is crucial. The negative effects of COVID-19 and inflation on Net Interest Margin (NIM) highlight the importance of resilient strategies that enhance efficiency and adapt to economic changes. For both regions, prioritizing effective provisions management and adapting to economic fluctuations are key to sustaining profitability
Analisis Strategi Pemasaran Jasa Pembiayaan Pada PT Federal International Finance (FIF) Cabang Tenggarong Sari, Nilam Anggar; Susanti, Susy
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 19 No 2 (2019)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v19i2.722

Abstract

Abstract :               The purpose of this study was to formulate the right marketing strategy for FIF Tenggarong Branch in the face of business competition using SWOT analysis. Respondents in this study amounted to 33 people consisting of 28 customers and 5 employees.The results of this study indicate that (1) Based on the calculation of (Strenght) - (Weaknesses), the internal value of the factor is 0.476 which means that the FIF Tenggarong Branch has greater strength than weakness, (2) Based on Opportunities - (Threats) obtained external factors of 1,569 which means that FIF Tenggarong Branch has a greater chance of threats, (3) Based on the SWOT matrix obtained the position / strategy of FIF Tenggarong Branch is currently in an aggressive strategy position (Growth oriented strategy) located in quadrant I where this position is a very favorable position for the Tenggarong Branch of FIF in managing the strengths and opportunities owned, in terms of internal and external.The strategy that must be implemented is to support an aggressive growth policy (Growth Oriented Strategy). Keywords: marketing strategy, SWOT analysis
Analisis Strategi Pemasaran Jasa Pembiayaan Pada PT Federal International Finance (FIF) Cabang Tenggarong Sari, Nilam Anggar; Susanti, Susy
JEMI is managed and published by the Management Study Program, Faculty of Economics and Business, Kutai Kartanegara University. Institutional legality is reflected in the ISSN number: 1411-9560 published by LIPI in 2003 as a manifestation of the comm Vol 19 No 2 (2019)
Publisher : FAKULTAS EKONOMI DAN BISNIS UNIKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53640/jemi.v19i2.722

Abstract

Abstract :               The purpose of this study was to formulate the right marketing strategy for FIF Tenggarong Branch in the face of business competition using SWOT analysis. Respondents in this study amounted to 33 people consisting of 28 customers and 5 employees.The results of this study indicate that (1) Based on the calculation of (Strenght) - (Weaknesses), the internal value of the factor is 0.476 which means that the FIF Tenggarong Branch has greater strength than weakness, (2) Based on Opportunities - (Threats) obtained external factors of 1,569 which means that FIF Tenggarong Branch has a greater chance of threats, (3) Based on the SWOT matrix obtained the position / strategy of FIF Tenggarong Branch is currently in an aggressive strategy position (Growth oriented strategy) located in quadrant I where this position is a very favorable position for the Tenggarong Branch of FIF in managing the strengths and opportunities owned, in terms of internal and external.The strategy that must be implemented is to support an aggressive growth policy (Growth Oriented Strategy). Keywords: marketing strategy, SWOT analysis
Co-Authors Budhidharma, Valentino Sari, Nilam Anggar