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KAJIAN FUNGSI INTERMEDIASI PERBANKAN INDONESIA MASA KRISIS EKONOMI TAHUN 1997-1998 arianto, bisma
Majalah Ekonomi Vol 18 No 1 (2014): Juli
Publisher : Fakultas Ekonomi Universitas PGRI Adi Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (421.023 KB)

Monetary and banking crises happened in Indonesia in 1997 has brought a very fundamental change in Indonesia economy. These crisis, which then become an economic crisis, has put Indonesian banking into a big difficulty. When the economic crisis happened on July 1997, the Indonesian banking's level of Loan to Deposit Ratio (LDR) tended to decrease. This Fact showed that the implementation of Indonesian banking's intermediation function was decreasing. Moreover, the occurring issues of excess reserve which was not allocated for credit matters, and the increasing of fund placement through Sertificate of Bank Indonesia (SBI) volume, has caused a decrease and ever a failure in the implementation of Indonesian banking's intermediation function. It's very important to observe the decreasing of Indonesian banking's intermediation function because it can directly affect the development of real sector and then it will have an impact on the development of Indonesian economy. The intermediation function of national banking has already worked, but the yearly increase is relatively slow. The increasing of national banking's excess reserve since 1997 shows that the banking's operational in distributing the loan to real sector is not optimal. Which the increasing position of Sertificate of bank Indonesia (SBI) on banking shows that banking tends to allocate their funds to get short term profit and it also has small risk level than allocating the fund for loan. Indonesian banking's intermediation function has actually worked well, but what happen then is that the increasing of banking's credit level can not matched with the increasing of Third Party Fund (DPK) level. The effort of banking in increasing Loan to Deposit Ratio (LDR) by distributing into that loan can not be done by the banking itself. Other party support, especially from government in establishing a condusive situation also can attract the development of business.

KAJIAN CAPITAL FLIGHT DI INDONESIA Arianto, Bisma
Majalah Ekonomi Vol 18 No 2 (2014): Desember
Publisher : Fakultas Ekonomi Universitas PGRI Adi Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar

Serangkaian pertemuan dan perundingan maupun perjanjian berskala global, berusaha merumuskan dan mewujudkan skema terbaik ataupun mendekati sempurna, untuk proses globalisasi, sembari tetap berpegang pada prinsip-prinsip keadilan. Negara Indonesia yang termasuk negara dunia ketiga, sering dipaksa menelan pil pahit, bahkan timbangan terkadang berat sebelah, globalisasi dengan pasar bebasnya hanya sebatas masalah yang datang dari negara maju ke negara belum maju. Dalam kurun waktu tertentu utang luar negeri (LN) pemerintah (public foreign debt) sudah menjadi salah satu sumber ancaman bagi stabilitas ekonomi makro, baik melalui tekanan defisit fiskal, ketimpangan distribusi sosial dalam APBN maupun tekanan atas cadangan devisa.Beberapa negara berkembang memiliki dana di luar negeri yang sebenarnya cukup untuk meng-offset utang-utang negara mereka. Di Indonesia, jika seluruh capital flight kembali ke dalam negeri, kalangan ekonom berpendapat bahwa pemerintah tidak lagi membutuhkan bantuan luar negeri, karena selama periode krisis 1997-1999 telah terjadi pelarian modal sekitar US$ 80 milyar. Sementara nilai komitmen bantuan IMF Indonesia untuk Indonesia hanya US$ 43 milyar dan pencairannya diangsur selama 5 tahun. Capital flight menimbulkan masalah, yaitu terhambatnya pertumbuhan ekonomi karena investasi yang seharusnya memiliki multiplier effect di dalam negeri justru dilakukan di luar negeri. Selain itu, keterbatasan dana mengurangi impor yang dapat dilakukan, yang berarti semakin sedikit pula marginal propensity to import (and to consume) dari masyarakat. Permasalahan lain yang menyebabkan terganggunya pertumbuhan ekonomi adalah earning dan perolehan yang didapat dari investasi tersebut tidak di-repatriate sehingga menjadi perolehan di negara tempat berinvestasi. Secara makro, yang terjadi kemudian adalah keadaan negara yang default (tidak mampu membayar utangnya), sehingga sulit untuk mendapat pinjaman baru ketika pembiayaan dalam negeri tidak lagi cukup.Dalam mengantisipasi adanya capital flight di Indonesia adalah dengan mengendalikan jumlah uang yang beredar dan atau suku bunga melalui operasi pasar terbuka dengan menerbitkan SBI oleh Bank Indonesia, mengendalikan fluktuasi nilai rupiah terhadap mata uang asing (khususnya US$) yang stabil akan sangat mempengaruhi iklim investasi di dalam negeri, mengendalikan laju peningkatan inflasi, dan mempertahankan cadangan devisa oleh otoritas moneter.

KAJIAN FUNGSI INTERMEDIASI PERBANKAN INDONESIA MASA KRISIS EKONOMI TAHUN 1997-1998 arianto, bisma
Majalah Ekonomi Vol 18 No 1 (2014): Juli
Publisher : Fakultas Ekonomi Universitas PGRI Adi Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar

Monetary and banking crises happened in Indonesia in 1997 has brought a very fundamental change in Indonesia economy. These crisis, which then become an economic crisis, has put Indonesian banking into a big difficulty. When the economic crisis happened on July 1997, the Indonesian banking's level of Loan to Deposit Ratio (LDR) tended to decrease. This Fact showed that the implementation of Indonesian banking's intermediation function was decreasing. Moreover, the occurring issues of excess reserve which was not allocated for credit matters, and the increasing of fund placement through Sertificate of Bank Indonesia (SBI) volume, has caused a decrease and ever a failure in the implementation of Indonesian banking's intermediation function. It's very important to observe the decreasing of Indonesian banking's intermediation function because it can directly affect the development of real sector and then it will have an impact on the development of Indonesian economy. The intermediation function of national banking has already worked, but the yearly increase is relatively slow. The increasing of national banking's excess reserve since 1997 shows that the banking's operational in distributing the loan to real sector is not optimal. Which the increasing position of Sertificate of bank Indonesia (SBI) on banking shows that banking tends to allocate their funds to get short term profit and it also has small risk level than allocating the fund for loan. Indonesian banking's intermediation function has actually worked well, but what happen then is that the increasing of banking's credit level can not matched with the increasing of Third Party Fund (DPK) level. The effort of banking in increasing Loan to Deposit Ratio (LDR) by distributing into that loan can not be done by the banking itself. Other party support, especially from government in establishing a condusive situation also can attract the development of business.

KAJIAN CAPITAL FLIGHT DI INDONESIA Bisma Arianto
Majalah Ekonomi Vol 18 No 2 (2014): Desember
Publisher : Fakultas Ekonomi Universitas PGRI Adi Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (199.396 KB)

Serangkaian pertemuan dan perundingan maupun perjanjian berskala global, berusaha merumuskan dan mewujudkan skema terbaik ataupun mendekati sempurna, untuk proses globalisasi, sembari tetap berpegang pada prinsip-prinsip keadilan. Negara Indonesia yang termasuk negara dunia ketiga, sering dipaksa menelan pil pahit, bahkan timbangan terkadang berat sebelah, globalisasi dengan pasar bebasnya hanya sebatas masalah yang datang dari negara maju ke negara belum maju. Dalam kurun waktu tertentu utang luar negeri (LN) pemerintah (public foreign debt) sudah menjadi salah satu sumber ancaman bagi stabilitas ekonomi makro, baik melalui tekanan defisit fiskal, ketimpangan distribusi sosial dalam APBN maupun tekanan atas cadangan devisa.Beberapa negara berkembang memiliki dana di luar negeri yang sebenarnya cukup untuk meng-offset utang-utang negara mereka. Di Indonesia, jika seluruh capital flight kembali ke dalam negeri, kalangan ekonom berpendapat bahwa pemerintah tidak lagi membutuhkan bantuan luar negeri, karena selama periode krisis 1997-1999 telah terjadi pelarian modal sekitar US$ 80 milyar. Sementara nilai komitmen bantuan IMF Indonesia untuk Indonesia hanya US$ 43 milyar dan pencairannya diangsur selama 5 tahun. Capital flight menimbulkan masalah, yaitu terhambatnya pertumbuhan ekonomi karena investasi yang seharusnya memiliki multiplier effect di dalam negeri justru dilakukan di luar negeri. Selain itu, keterbatasan dana mengurangi impor yang dapat dilakukan, yang berarti semakin sedikit pula marginal propensity to import (and to consume) dari masyarakat. Permasalahan lain yang menyebabkan terganggunya pertumbuhan ekonomi adalah earning dan perolehan yang didapat dari investasi tersebut tidak di-repatriate sehingga menjadi perolehan di negara tempat berinvestasi. Secara makro, yang terjadi kemudian adalah keadaan negara yang default (tidak mampu membayar utangnya), sehingga sulit untuk mendapat pinjaman baru ketika pembiayaan dalam negeri tidak lagi cukup.Dalam mengantisipasi adanya capital flight di Indonesia adalah dengan mengendalikan jumlah uang yang beredar dan atau suku bunga melalui operasi pasar terbuka dengan menerbitkan SBI oleh Bank Indonesia, mengendalikan fluktuasi nilai rupiah terhadap mata uang asing (khususnya US$) yang stabil akan sangat mempengaruhi iklim investasi di dalam negeri, mengendalikan laju peningkatan inflasi, dan mempertahankan cadangan devisa oleh otoritas moneter.

Faktor yang Mempengaruhi Kinerja Guru di SMA Intensif Taruna Pembangunan Surabaya: Faktor yang Mempengaruhi Kinerja Guru di SMA Intensif Taruna Pembangunan Surabaya Bisma Arianto; Siti Samsiyah
Majalah Ekonomi Vol 28 No 02 (2023): Desember 2023
Publisher : .Universitas PGRI Adi Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36456/majeko.vol28.no02.a8626

This study aims to analyse the effect of motivation, work discipline and work environment on teacher performance at Intensif Taruna Pembangunan High School Surabaya. This research includes population research which is used as a research sample on 60 respondents with random sampling technique. For the method used in this study is the classical assumption test which is strengthened by normality test, heteroscedastity test, multicolinerity test. The results of these findings indicate that work motivation, work discipline and work environment have a positive and significant direct influence on teacher performance. The results of this study recommend that schools provide opportunities and motivate teacher to improve work results in supporting school goals.

Dominasi Mutu Kinerja Sumber Daya Manusia terhadap Peningkatan dan Pengembangan Kualitas Layanan Perbankan XY Dwijayanti, Ririn; Anggraini Ardhya Putri, Silviana; Arianto, Bisma
Majalah Ekonomi Vol 29 No 02 (2024): Desember 2024
Publisher : Universitas PGRI Adi Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36456/majeko.vol30.no02.a9822

The quality of Human Resources performance is a benchmark in achieving the vision and mission of the institution. Performance quality is an assessment or quality of an activity that is an achievement of an organization. In banking activitie themselves, performance quality is very important so that there are no errors or fraud from every record made by banking employees. This requires motivation to raise work enthusiasm, training and professional development of bank employees. If employees provide good service to customers, of course it will benefit the bank itself and provide good value. The sample of this qualitative study was 115 employees of Bank XY in Surabaya. Therefore, human resource planning is needed for banking employees, in order to make it easier to plan future workforce demand to anticipate employee shortages in customer service.

Peran Lingkungan Kerja, Disiplin Kerja, dan Motivasi Kerja pada Kinerja Karyawan PT. Pesona Arnos Beton Gresik Arianto, Bisma; Fathorrahman; Vina Puspita Ningrum
Majalah Ekonomi Vol 31 No 1 (2025): Juni 2025
Publisher : Universitas PGRI Adi Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36456/majeko.vol31.no1.a10238

This study aims to analyze the influence of work environment, work discipline, and work motivation on employee performance at PT. Pesona Arnos Beton Gresik. All 72 employees were used as respondents in this study using the saturated sampling method. The data collection process was carried out by distributing closed questionnaires that had been systematically designed to measure respondents' perceptions of each research variable. The instrument was compiled based on indicators that were relevant to the dimensions of the work environment, work discipline, motivation, and employee performance, so that valid and reliable data could be obtained for quantitative analysis. Data analysis using SPSS version 23 software. The statistical results showed that the three independent variables, namely the work environment, work discipline, and work motivation, each individually had a positive and significant influence on employee performance. A supportive work environment, high discipline, and strong work motivation contributed significantly to improving employee performance at PT. Pesona Arnos Beton Gresik. These findings can be used as a basis for initial consideration for management in formulating a more focused and effective human resource development strategy, by referring to empirical evidence obtained through research.

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