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Journal : Kinerja

THE COMPARISON OF PERFORMANCE AMONG NINE BIGGEST BANKS IN INDONESIA BEFORE AND AFTER THE IMPLEMENTATION OF INDONESIA BANKING ARCHITECTURE Wijaya, Krisna; Akyuwen, Roberto
Kinerja: Jurnal Bisnis dan Ekonomi Vol 17, No 1 (2013): Kinerja Jurnal Bisnis dan Ekonomi
Publisher : Kinerja: Jurnal Bisnis dan Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (130.568 KB)

Abstract

Like in many countries, banking industry in Indonesia is more dynamic in the last decade. Level of marketcompetition among banks tends to increase continuously. This phenomenon has encouraged banks to createthe more advanced products and services to fulfi ll the growing needs of modern banking customers. Asthe monetary authority, Bank Indonesia has launched the Indonesia Banking Architecture to manage thesedynamics. IBA is a fundamental framework of banking system and provides a direction for banking operationalin Indonesia within 5 to 10 years. It is expected that IBA will create conducive environment which will enablebanks to improve their performance. This research is aimed to compare and analyze the performance of ninebiggest banks in Indonesia before and after the implementation of IBA in 2004. The performance indicatorsused are including ROA, ROE, NIM, CAR, LDR, and NPL. The data on these indicators are collected in theperiod of 2000-2009. The period of 2000-2004 is considered as before the implementation of IBA, while 2005-2009 is defi ned as after the implementation of IBA. The main tool of analysis used in this research is the meanequality test.Keywords: bank, Indonesia Banking Architecture, performance.
THE COMPARISON OF PERFORMANCE AMONG NINE BIGGEST BANKS IN INDONESIA BEFORE AND AFTER THE IMPLEMENTATION OF INDONESIA BANKING ARCHITECTURE Wijaya, Krisna; Akyuwen, Roberto
KINERJA Vol 17, No 1 (2013): Kinerja
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v17i1.368

Abstract

Like in many countries, banking industry in Indonesia is more dynamic in the last decade. Level of marketcompetition among banks tends to increase continuously. This phenomenon has encouraged banks to createthe more advanced products and services to fulfi ll the growing needs of modern banking customers. Asthe monetary authority, Bank Indonesia has launched the Indonesia Banking Architecture to manage thesedynamics. IBA is a fundamental framework of banking system and provides a direction for banking operationalin Indonesia within 5 to 10 years. It is expected that IBA will create conducive environment which will enablebanks to improve their performance. This research is aimed to compare and analyze the performance of ninebiggest banks in Indonesia before and after the implementation of IBA in 2004. The performance indicatorsused are including ROA, ROE, NIM, CAR, LDR, and NPL. The data on these indicators are collected in theperiod of 2000-2009. The period of 2000-2004 is considered as before the implementation of IBA, while 2005-2009 is defi ned as after the implementation of IBA. The main tool of analysis used in this research is the meanequality test.Keywords: bank, Indonesia Banking Architecture, performance.
OPTIMIZING THE INDUSTRY MIX OF INDONESIAN PORTFOLIOS Akyuwen, Roberto; Boffey, Ray R; Powell, Robert John; Wijaya, Krisna
KINERJA Vol 18, No 2 (2014): Kinerja
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v18i2.521

Abstract

Portofolio pada umumnya dioptimalkan dengan menggunakan standar deviasi return. Studi ini mengeksplorasi berbagai metode alternatif untuk mengoptimalkan bauran industri dalam portofolio di Indonesia. Penulis menggunakan dua alat ukur untuk membantu investor menghindari volatilitas ekstrim yang tidak dapat ditangkap oleh standar deviasi. Dua alat ukur tersebut adalah Value at Risk (VaR) dan Conditional Value at Risk (CVaR). VaR mengukur risiko pada batasan yang lebih tinggi daripada standar deviasi, biasanya pada tingkat kepercayaan 95% atau 99%. CVaR berhubungan dengan tingkat risiko yang paling ekstrim, yaitu risiko yang tidak ditangkap oleh VaR. Penulis menggunakan metode parametrik (untuk distribusi normal) dan non-parametrik untuk VaR dan CVaR. Untuk menjelaskan berbagai keadaan ekonomi, digunakanlah data pra-krisis ekonomi global, pada saat krisis ekonomi global dan pasca krisis ekonomi global. Dengan menggunakan pengoptimal risiko ekstrim ini, diharapkan dapat membantu investor untuk menghindari saham-saham yang berisiko tinggi. Volatilitas ekstrim juga merupakan indikator potensi masalah dalam sebuah industri, dan studi ini diharapkan dapat memberikan informasi yang penting mengenai kinerja dan risiko berbagai sektor pasar di Indonesia bagi para kreditor, regulator dan pemerintah. Kata Kunci: portofolio, bauran industri, value at risk, conditional value at risk.
SHAPING OF SECURITY POLICY IN AN INDONESIAN BANK: INTERPRETING INSTITUTIONALIZATION AND STRUCTURATION Nasution, M. Faisal; Dhillon, Gurpreet; Akyuwen, Roberto
KINERJA Vol 19, No 1 (2015): Kinerja
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v19i1.530

Abstract

Studi ini meneliti pembentukan kebijakan keamanan pada sebuah bank di Indonesia dengan menggunakan teori institusional dan struktural sebagai kerangka teoritis. Penelitian mengenai keamanan sistem informasipada umumnya kurang memperhatikan aspek-aspek sosial dalam perancangan dan pelaksanaan kebijakan keamanan. Penelitian ini menggunakan studi kasus dengan sebuah bank pemerintah di Indonesia sebagai unit analisis. Kasus ini dipilih karena terjadinya peristiwa penjebolan sistem keamanan pada saat penelitian ini dilakukan. Studi kasus ini membahas mengenai bagaimana kebijakan keamanan dibentuk dan pelajaran penting apa saja yang dapat ditarik dari sudut pandang teori institusional dan stukturasi. Hasil penelitian ini menunjukkan peranan penting dari sebuah desain sistem yang baik dan bagaimana faktor-faktor sosial dan politik dipertimbangkan ketika merencanakan kebijakan keamanan. Kontribusi yang diberikan oleh hasil penelitian ini,antara lain adalah, menunjukkan bagaimana teori institusional dapat digunakan untuk menjelaskan bagaimana kekuatan institusional mempengaruhi desain dan penggunaan kebijakan keamanan.Kata Kunci: keamanan dan privasi sistem informasi, kebijakan keamanan, teori institusional, teori strukturasi
LEADERSHIP CHALLENGES OF REGIONAL BANKS IN INDONESIA Akyuwen, Roberto; Mangowal, Caroline
KINERJA Vol 23, No 1 (2019): KINERJA
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (953.833 KB) | DOI: 10.24002/kinerja.v23i1.2131

Abstract

Bank Pembangunan Daerah (BPD) or the Regional Development Bank of Indonesia is designed to be an agent for regional development with products and services that contribute to the improvement of employment, poverty, disparity, financial literacy and inclusion. However, regional government leaders often intervene with operations and decision making in the banks. To study the extent to which external factors influence leadership in the BPD, this qualitative study used secondary data from the Financial Service Authority or Otoritas Jasa Keuangan (OJK) combined with interviews with BPD leaders and stakeholders. The findings show that the interventions of the regional government leaders were highly influential and resulted in negative consequences on BPD management which directly or indirectly affected the performance of the banks. This study is expected to provide insights into measures which would promote the role of regional banks as a development agent. Keywords: development agent, interventions, leaderships, Regional Development Banks 
THE COMPARISON OF PERFORMANCE AMONG NINE BIGGEST BANKS IN INDONESIA BEFORE AND AFTER THE IMPLEMENTATION OF INDONESIA BANKING ARCHITECTURE Krisna Wijaya; Roberto Akyuwen
KINERJA Vol. 17 No. 1 (2013): Kinerja
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v17i1.368

Abstract

Like in many countries, banking industry in Indonesia is more dynamic in the last decade. Level of marketcompetition among banks tends to increase continuously. This phenomenon has encouraged banks to createthe more advanced products and services to fulfi ll the growing needs of modern banking customers. Asthe monetary authority, Bank Indonesia has launched the Indonesia Banking Architecture to manage thesedynamics. IBA is a fundamental framework of banking system and provides a direction for banking operationalin Indonesia within 5 to 10 years. It is expected that IBA will create conducive environment which will enablebanks to improve their performance. This research is aimed to compare and analyze the performance of ninebiggest banks in Indonesia before and after the implementation of IBA in 2004. The performance indicatorsused are including ROA, ROE, NIM, CAR, LDR, and NPL. The data on these indicators are collected in theperiod of 2000-2009. The period of 2000-2004 is considered as before the implementation of IBA, while 2005-2009 is defi ned as after the implementation of IBA. The main tool of analysis used in this research is the meanequality test.Keywords: bank, Indonesia Banking Architecture, performance.
OPTIMIZING THE INDUSTRY MIX OF INDONESIAN PORTFOLIOS Roberto Akyuwen; Ray R Boffey; Robert John Powell; Krisna Wijaya
KINERJA Vol. 18 No. 2 (2014): Kinerja
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v18i2.521

Abstract

Portofolio pada umumnya dioptimalkan dengan menggunakan standar deviasi return. Studi ini mengeksplorasi berbagai metode alternatif untuk mengoptimalkan bauran industri dalam portofolio di Indonesia. Penulis menggunakan dua alat ukur untuk membantu investor menghindari volatilitas ekstrim yang tidak dapat ditangkap oleh standar deviasi. Dua alat ukur tersebut adalah Value at Risk (VaR) dan Conditional Value at Risk (CVaR). VaR mengukur risiko pada batasan yang lebih tinggi daripada standar deviasi, biasanya pada tingkat kepercayaan 95% atau 99%. CVaR berhubungan dengan tingkat risiko yang paling ekstrim, yaitu risiko yang tidak ditangkap oleh VaR. Penulis menggunakan metode parametrik (untuk distribusi normal) dan non-parametrik untuk VaR dan CVaR. Untuk menjelaskan berbagai keadaan ekonomi, digunakanlah data pra-krisis ekonomi global, pada saat krisis ekonomi global dan pasca krisis ekonomi global. Dengan menggunakan pengoptimal risiko ekstrim ini, diharapkan dapat membantu investor untuk menghindari saham-saham yang berisiko tinggi. Volatilitas ekstrim juga merupakan indikator potensi masalah dalam sebuah industri, dan studi ini diharapkan dapat memberikan informasi yang penting mengenai kinerja dan risiko berbagai sektor pasar di Indonesia bagi para kreditor, regulator dan pemerintah. Kata Kunci: portofolio, bauran industri, value at risk, conditional value at risk.