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KEPATUHAN REGULASI, CHARTER VALUE, LDR, UKURAN TERHADAP RISIKO KREDIT PERBANKAN Susanto, Deddy
Students Journal of Economic and Management Vol 1, No 1 (2012): VOL. 1 NO. 1 EDISI PERTAMA 2012
Publisher : Students Journal of Economic and Management

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Abstract

This research is to examines the impact of the regulation, the charter value, loan to deposit ratio and bank size on banking credit risk. By using a sample of commercial banks operating in Indonesia and performed testing with ordinary least square (OLS) model, the result obtained was that the charter value negatively affected the level of credit risk. This finding indicates that the low charter value  provides a strong incentive for the occurrence of moral hazard than when the bank has a high charter value.  Regulation had positive effect on the credit risk. This finding was consistent with the entrenchment argument. In this case, with increasing regulatory compliance, the shareholder take the risk investments to get higher returns as compensation for the loss of utility to comply the regulations. Loan to deposit ratio had positive effect on credit risk. It shows that asymmetric information creates adverse-selection problems. Bank size had positive effect on credit risk. Small banks have more risk inherent in their loan portfolio because they cannot diversify as well as large bank. Small banks, however, do make loans with less credit risk than large banks. Keywords: regulation, charter value, loan to deposit ratio, bank size, credit risk, moral hazard, asymmetric information
Selection of Sediment Retention Structure Type in Coastal Reservoir (Case Study of Terboyo Retention Pond, Semarang) Susanto, Deddy; Wahyudi, Slamet Imam; Soedarsono, Soedarsono
ASTONJADRO Vol. 14 No. 3 (2025): ASTONJADRO
Publisher : Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/astonjadro.v14i3.18176

Abstract

To overcome the problem of flooding and tidal flooding in the city of Semarang, especially in the eastern part of Semarang, the Semarang-Demak Toll Road was built which is integrated with the sea wall. The sea wall is planned to prevent sea water from entering the land area, however, the sea wall will also block the direct flow of several rivers to the sea so that a fairly large coastal reservoir is needed. As in general, coastal reservoirs and retention ponds often experience sedimentation problems which have an impact on the economic value of the reservoir concerned, while in the planning of coastal reservoirs and retention ponds in general they are not equipped with sediment retaining structures. From this study, the results of the selection of the right type of sediment retaining structure to be applied in coastal reservoirs were obtained. The selection of the type of sediment retaining structure in this study used the AHP (Analytical Hierarchy Process) method, which is a decision support model that involves experts who have knowledge and experience in planning or implementing retention ponds or sedimentation in river estuaries. From the results of the global priority analysis above, the weight of each alternative sediment retaining structure is obtained, namely a fixed dam of 33.21%, a vertical movable dam with an upper opening of 31.35%, without a sediment retaining structure of 19.61%, a vertical movable dam with a lower opening of 15.84%. From the results of the AHP analysis above, the highest weight was obtained, which was then used as a decision maker to choose the type of building with the highest value, namely a sediment retaining structure in the form of a permanent dam.