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ANALISIS PENGARUH CAPITAL, INEFISIENSI, DANA PIHAK KETIGA DAN SIZE TERHADAP NON PERFORMING LOAN PADA BANK UMUM KONVENSIONAL Rizal, Ahmad; Taswan, Taswan
Proceeding SENDI_U 2020: SEMINAR NASIONAL MULTI DISIPLIN ILMU DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

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Abstract

This study aims to provide information about the analysis of the influence of CAPITAL, INFFICIENCY,DEPOSIT, and SIZES with NPL ratios on commercial banks in Indonesia in the 2016-2018. The data usedsecondary data from the Annual Report of a bank that has met the sample criteria (purposive sampling). Thesample, which is used, in, research, is a number of, 41, commercial banks listed on the IDX. The analyticalmethod used in this study is multiple linear regression and the classic assumption test.The results show. Capital has a negative effect and. significant to. Non-Performing Loans (NPL), whileInefficiency has positive and significant effects, deposit and Size do not. has a significant influence on NonPerforming Loans (NPL). The predictive ability of these variables in explaining Non-Performing Loans (NPL)of 50.7.% while the remaining 49.3.% is explained by other variables outside this study
ANALISIS FAKTOR INTERNAL YANG MEMPENGARUHI CAPITAL BUFFER PADA PERBANKAN KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA Mawadah, Isna Lutfiyah; ., Taswan
Proceeding SENDI_U 2021: SEMINAR NASIONAL MULTI DISIPLIN ILMU DAN CALL FOR PAPERS
Publisher : Proceeding SENDI_U

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Abstract

Industri perbankan merupakan industri yang tingkat risikonya tinggi. Maka perbankan diharuskan memiliki cadangan modal (capital buffer) sebagai asuransi jika perbakan mengalami risiko di masa yang akan datang. Dengan hal ini peneliti tertarik untuk menganalisis faktorcapital buffer yang ada di industri perbankan, faktor-faktor tersebut seperti Non-Performing Loan, Bank Size, Return on Equity, Loan To Total Asset. Metode yang digunakan dalam pengambilan sampel adalah metode purposive sampling dengan 18 Bank Konvensional yang terdaftar di Bursa Efek Indonesia (BEI) Tahun 2015-2019. Penelitian ini menggunakan analisis linier regresi berganda dengan menggunakan SPSS 25. Hasil penelitian ini mengindikasikan Non-Performing Loan,Loan To Total Asset, berpengaruh negatif signifikan terhadap capital bufferdan Bank Sizeberpengaruh positif signifikan terhadap capital buffer berbeda dengan Return on Equitytidah berpengaruh terhadap capital buffer
PENGUJIAN EMPIRIS DISIPLIN PASAR PERIODE PENJAMINAN SIMPANAN IMPLISIT DAN EKSPLISIT DI INDONESIA Taswan Taswan
Jurnal Keuangan dan Perbankan Vol 17, No 2 (2013): May 2013
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (252.888 KB) | DOI: 10.26905/jkdp.v17i2.748

Abstract

This article concerned the issue of market discipline and deposit insurance in Indonesia. This research aimed toexamine the market discipline as a consequence of bank risk taking on period of implicit and explicit depositinsurance. The samples were commercial banks operating in Indonesia and they were tested using OLS regressionmodels and Sub Group analysis. It showed that market discipline functioned as a consequence of bank risktaking during the guarantee period, but there was no difference in the effect of risk on market discipline betweenperiods of implicit and explicit deposit insurance. Market discipline in Indonesia was determined more by thebank risk taking, not by the difference of deposit insurance scheme.
KEPEMILIKAN BANK DAN KEPATUHAN REGULASI TERHADAP RISIKO PERBANKAN YANG DIMODERASI OLEH CHARTER VALUE Taswan Taswan
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (250.242 KB) | DOI: 10.26905/jkdp.v16i1.1051

Abstract

This papers first issue concerned the influence of bank ownership on the risk, the effect of regulation on thelevel of risk, and the effect of charter value on risk. Ownership relations to regulatory compliance on risk weremoderated by the charter value. By using a sample of commercial banks operating in Indonesia, and performedtesting with the MMR model, the result obtained was that domestic private ownership, foreign ownership andownership concentration had significantly positive effect on the risk. Each relationship was moderated by thecharter value. Charter values negatively affected the level of risk. This finding was consistent with theentrenchment argument. While regulatory compliance negatively affected the risk, but not moderated by thecharter value. Regulatory influence on the risk of convergence was consistent with the argument.
Kepemilikan Bank, Pemenuhan Kecukupan Modal Dan Insentif Pbv Sebagai Penentu Pengambilan Risiko Perbankan - Taswan
Conference In Business, Accounting, And Management (CBAM) Vol 1, No 4 (2012): Conference In Business, Accounting And Management (Cbam) 2012
Publisher : Conference In Business, Accounting, And Management (CBAM)

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Abstract

This paper on these issues, the first effect of bank ownership on risk taking, the effect of Capital Adequacy Ratio (CAR) on risk taking, and the effect of PBV on risk taking. Issues were tested in the total sample and sub sample with PBV as risk-taking incentives. With a sample of commercial banks operating in Indonesia and and analyzed with the OLS model and the analysis of sub-group of the obtained results that the domestic private ownership, foreign ownership and ownership concentration of each of the significant positive effect on the risk. Negatively Capital Adequacy ratio (CAR) affect on risk taking, and PBV negative effect on risk taking. Influence the determinants of risk among groups of banks with low PBV with higher PBV is significantly different. Determinants of risk in the lower PBV of bank is more sensitive than the bank with a high PBV. This finding is consistent with the moral hazard argument or entrenchment, except for the effect of regulation on risk taking is more consistent with the arguments of representative and convergence.Keywords: Bank ownership, CAR, PBV, Risk, entrenchment.
PENGARUH KECUKUPAN MODAL, LOAN TO DEPOSIT RATIO, KONSENTRASI KEPEMILIKAN DAN UKURAN BANK TERHADAP KINERJA BANK UMUM Nurzikri Lullah; Taswan Taswan; Penunjang Waruwu
Dinamika Akuntansi Keuangan dan Perbankan Vol 9 No 1 (2020): Vol. 9 No. 1 2020
Publisher : Faculty of Economic and Business Universitas STIKUBANK

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Abstract

This study aims to determine the performance of commercial banks as a dependent variable able to be influenced by the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Ownership Concentration and Bank Size as independent variables. This study uses a period of three years starting in 2016 to 2018 using Purposive Sampling as a sampling method. This research uses regression analysis. The results explained that bank performance was significantly affected by CAR and bank Size. Individually, ROA is positively and significantly affected by CAR and Company Size, and bank performance is not affected by LDR and Ownership Concentration. Keywords: capital adequacy ratio (CAR), loan to deposit ratio (LDR), ownership concentration, bank size, and bank performance
PENGARUH KONSENTRASI KEPEMILIKAN, STRUKTUR MODAL, LIKUIDITAS, DAN PROFITABILITAS TERHADAP RETURN SAHAM Ines Tasia Agustin; Taswan Taswan
Jurnal Bisnis dan Ekonomi Vol 24 No 2 (2017): VOL. 24 NO. 2 EDISI SEPTEMBER 2017
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Stikubank

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Abstract

The objective of the study is to examine the effect of Concentration of Ownership (CON), Capital Structure (DER), Liquidity (CR), and Profitability (ROA). This research was conducted using secondary data. Population in this research is a manufacturing company in Indonesia Stock Exchange (IDX) from 2011 up to 2013. Sampling technique used was purposive sampling. There are 172 manufacturing compeanies being analysed. This study uses multiple regression analysis.The research proves that the concentration of ownership (CON)have positive and significant impact on stock return, Capital Structure (DER), Liquidity (CR), and Profitability (ROA) have positive and not significant effect on stock return. Adjusted R Square is 0,045 this means thant 4,5% of the dependent variable can be explained by the independent variable , while the remaining 95,5 % is explained by other causes outside the model Keywords: StockReturn, Concentration of Ownership, Debt to Equity Ratio, Current Ratio, and Return on Asset.
Pengaruh Ukuran Perusahaan, Likuiditas, Leverage dan Profitabiltas terhadap Risk Management Disclosure Widya Puspitaningrum; Taswan Taswan
Jurnal Bisnis dan Ekonomi Vol 27 No 2 (2020): Vol. 27 No. 2 EDISI SEPTEMBER 2020
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Stikubank

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Abstract

This study aims to examine the effect of company size, liquidity, leverage, and profitability on risk management disclosure. The population of this study are all manufacturing companies listed on the Indonesia Stock Exchange 2016-2018. The sample selection technique was purposive sampling in order to obtain a total number of observations of 144 research samples. Data analysis method used in this study is multiple regression analysis. Partial test shows that company size and liquidity have a positive effect on disclosure risk management, but leverage and profitability do not affect the risk disclosure management.
KEBIJAKAN MODAL MINIMUM, KEBIJAKAN KEPEMILIKAN TUNGGAL DAN PENYALAHGUNAAN POSISI DOMINAN DALAM PERSAINGAN USAHA INDUSTRI PERBANKAN Taswan Taswan
Benefit: Jurnal Manajemen dan Bisnis Benefit : Kumpulan Makalah Diskusi Dosen FE UMS Volume 15 No 2 Desember 2011
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/benefit.v15i2.1346

Abstract

This paper is concerned with three issues. First, , this paper describes the policy of minimum capital and the single presence policy and its consequences on market structure.  Secondly,  abuse  of dominant position,  and the third about the steps to prevent it in order to create healthy competition in the banking industry.  The minimum core capital policy and the single presence policy is suspected to have contributed to the formation of the concentration of the banking structure or oligopoly market structure.  This could potentially lead to a dominant position. Abuse of dominant position in the oligopoly market structure could cartel prices or interest rates. The cartel is  very detrimental to consumers because consumers bear the cost of higher interest than when there  is no cartel.Therefore the Commission for the Supervision of Business Competition must act decisively and prevention efforts. The Commission for the Supervision of Business Competition  should actively perform preventive action by advising policy revision of minimum capital, single presence policy, the revision of the legal lending limit, the setting of public funds related and unrelated, it is necessary to prohibit the cross-crediting a cross between a bank, and cooperate with the Deposit Insurance Institution or LPS to create a healthy business competition in the banking industry.
BANK RISK AND MARKET DISCIPLINE Taswan Taswan; Eduardus Tandelilin; Suad Husnan; Mamduh M. Hanafi
Journal of Indonesian Economy and Business (JIEB) Vol 27, No 3 (2012): September
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (77.461 KB) | DOI: 10.22146/jieb.6236

Abstract

This paper investigates the issue of bank risk taking. Specifically we investigate two main issues: (1) determinants of bank risk, and (2) market discipline to the banks either in implicit, explicit guarantee systems, and all periods. Using Indonesian data, we find that domestic, foreign, and ownership concentration have positive impact on bank risk. Bank shareholders engage in entrenchment behaviour, rather than convergence behaviour. We further find that charter value and compliance to regulation have negative impact on bank risk. Next, we find that market disciplines the banks. Market disciplines the banks at thesame degree in implicit and explicit deposit guarantee systems. Our findings highlight the importance of paying close attention to banks ownership, charter value, and compliance to regulation. Furthermore, since we find that market disciplines the Banks at the same degree in explicit and implicit guarantee systems, we need to investigate this issue further.This finding highlights research potential in the future: to investigate disciplining behaviour from various types of depositors.Keywords: bank ownership, market discipline, risk, entrenchment, convergence, and deposit insurance
Co-Authors 08.05.51.0005 Wijang Wijayanti 08.05.51.0086 Slamet Siswanto 10.05.52.0018 Aditya Febri Riandika 10.05.52.0052 Nindya Trisianasari 12.05.51.0013 Citra Dewi Nurcahyani, 12.05.51.0013 12.05.51.0111 Ines Tasia Agustin, 12.05.51.0111 12.05.51.0138 Jelita Widiastuti, 12.05.51.0138 13.05.51.0240 Arya Syah Rendra, 13.05.51.0240 1352020049 Bobby Adhyartono, 1352020049 Agnes Dewi Anjani ahmad rizal Anggi, Anggi Arief Himmawan DN ASditya Febri Riandika, ASditya Febri Askar Yunianto Astillero, Marlon Rael Aulia, Fiqhi Azis Nur Rosyid Azizah, Diana Isma Bhandari, Rahul Diana Isma Azizah, 12.05.51.0007 Diana Isma Azizah, 12.05.51.0007 Eduardus Tandelilin Faisal Riza Rahman Fifi Nur Aisyah, 14.05.52.0047 Fifi Nur Aisyah, 14.05.52.0047 Fitri, Zulvanya Anissa Fitria Ismawati Dewi, 14.05.51.0135 Fitria Ismawati Dewi, 14.05.51.0135 Gregorius Anggana Handayani, Wuri Setyo Handayani, Wuri Setyo Hasan Abdul Rozak Ika Wahyu Indra Sari, 14.05.52.0123 Ines Tasia Agustin ISNAINI FITRIA RAHMAWATI, 14.05.51.0168 Laili Fitriana, 14.05.52.0069 Lia Puji Lestari Mamduh M. Hanafi Mamduh M. Hanafi Mariska, Azza Mawadah, Isna Lutfiyah Miftakhurniyati, Miftakhurniyati Nasir, Wan Mohd Nazdrol bin Wan Mohd Nico Irawan Noor Salim Nugroho, Prihasantyo Suryo Nurzikri Lullah Penunjang Waruwu Rachmat Indradi Ratsameemothon, Chadchom Ristianawati, Yuyun Rusli, Muhamad Saufi Che Salsabila, Hasna Fathiyah Sari Rahmadhani Savitri, Dhian Andanarini M Suad Husnan Suad Husnan Turnip, Melisa Turnip, Melisa Widya Puspitaningrum Zulvanya Anissa Fitri