Article Per Year (5 Year)
p-Index From 2021 - 2026
1.116
P-Index
This Author published in this journals
All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Journal of Economics, Business, & Accountancy Ventura Journal of Business & Banking Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah
Anggraeni Anggraeni
Universitas Hayam Wuruk Perbanas
Economics, Econometrics & Finance

Published : 10 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 10 Documents
Search

 1 
The Contribution of Risk Management to Profit and Cost Efficiency in Rural Shariah Banks (BPRS) Anggraeni Anggraeni
Proceedings of AICS - Social Sciences Vol 6 (2016): Proceeding of 6th AIC in conjuction with ICMSA
Publisher : Proceedings of AICS - Social Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (533.212 KB)

Abstract

The development of Shariah baking in Indonesia has been so tremendous that the banks should try their efforts to improve their operation. Risk management is vital to be implemented in order that the operation can minimize any risk. This study examines the impact of risk management practice on the profit and cost efficiency in the rural Islamic banks. The data were collected from 33 BPRS but only 29 could be analyzed using the current software. This study also tried to implement better software for financial report. Initially, the initial report shows that, on average, the efficiency is 64% in which the minimum is 30% and maximum is 100%. In fact, only five banks could achieve the efficiency that is from 29 banks during  the investigation. From city of origin, it was found that the banks in Pasuruan and those which are in Probolinggo are the most efficient.
Efisiensi Perbankan Daerah Di Indonesia Chitra Laksmi Rithmaya; - Anggraeni
MediaTrend Vol 16, No 2 (2021): OKTOBER
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v16i2.11512

Abstract

The development of banking industry in Indonesia could bring impact on the economic growth, especially in the face of the financial crisis. This study aims to examine scientifically the efficiency score of regional development banks. Furthermore, it also aims to understand further what factors influence the efficiency performance of regional development banks in Indonesia using the SFA (Stochastic Frontier Analysis) approach. The data used is from 25 Regional Development Banks (BPD) in Indonesia with the financial reporting period of 2011 to 2017. The results obtained are the level of efficiency of BPD in Indonesia does not reach 100%. The highest level of efficiency was at 97.80% in 2016. Then, the variable that affects bank efficiency is liquidity as measured by LDR, and credit risk as measured by NPL. Meanwhile, the variables of bank capital and profitability as well as the size of the bank and board of commissioners do not affect the efficiency of banks, especially Regional Development Banks in Indonesia in the period of 2011-2017.
Innovative funding solution for special projects: Crowd funding Sentot Imam Wahjono; Anna Marina; Muhammad Fikry; Anggraeni .
Journal of Economics, Business, & Accountancy Ventura Vol 18, No 1 (2015): April - July 2015
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v18i1.383

Abstract

The aim of this paper is to examine the influence of crowd funding knowledge, applica-tion, platform, and project initiator toward successful crowd funding. This study conducted by quantitative approach, data have been collected with web-based ques-tionnaires via Kickstarter.com direct message and e-mail to 200 successful crowd funding project initiators as a sample and as much 152 sets questionnaire returned by a complete answer and should be analyzed further. Deployment and data collection take 3 month from October to December 2013. This study found evidence that crowd funding knowledge, crowd funding application, crowd funding platform, and project initiator has positive and significant relationship toward the success of crowd funding. The implication from this research is crowd funding can be a source of capital to finance the projects, not just rely on traditional sources of financing just like banking and capital markets. Crowd funding can be innovative funding solution.
PERTUMBUHAN DPK, PINJAMAN DITERIMA, PENEMPATAN PADA BANK LAIN, SURAT BERHARGA DAN KREDIT UNTUK PERTUMBUHAN EFISIENSI PADA BANK PEMERINTAH DAERAH Anggraeni .
Journal of Business & Banking Vol 3, No 1 (2013): Mei 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i1.258

Abstract

The bank is a financial institution that serves as an intermediary for those who have surplus funds to those who need it. Beside, banking activities include funding, lending and providing other services. In addition, funding activities include demand deposits, saving deposits and time deposits. While lending activities interbank placement, commercial papers and credits. To obtain profits, the bank needs to measure its ability to conduct its operations, one of which it uses the ratio of the efficiency ratio of operating expenses to operating income. The study uses sample of Regional Government Bank during the period 2010-2012 with total assets of over 10 trillion. There are six bank used as a sample, namely PT. BPD. Kalimantan Timur, PT. BPD. Riau, PT. BPD. Jawa Tengah, PT. BPD. Jawa Timur, PT. BPD Sumatra Utara. Based on this research, the growth of demand deposits, saving deposits, time deposit, loan received, inter- bank placement, commercial papers, and credit simultaneously have a significant effect on the growth of BOPO, by 28 %. Among the seven independent variables, there are three independ- ent variables that have a significant influence on the dependent such as time deposit growth with 9.92 %, the growth loan by 5.24 %, the growth interbank placement by 9.30%.
Pengaruh likuiditas, kualitas aktiva, sensitivitas pasar, efisiensi, dan profitabilitas terhadap CAR pada bank devisa yang go public Hadi Susilo Dwi Cahyono; Anggraeni Anggraeni
Journal of Business & Banking Vol 5, No 1 (2015): May - October 2015
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i1.476

Abstract

CAR is one indicator used to measure the bank capital adequacy. Capital for bank is used to absorb loss emerged from banking activities, and as the basis of some policies releasead by Indonesia Bank. This research tries to investigate whether the independent variables of LDR, IPR, APB, NPL, IRR, PDN, BOPO, FBIR, ROA, and ROE both simultaneous-ly and partially have significant effect on CAR and which variable has the dominant effect on CAR. This research uses secondary data taken from financial statements from period I Quarterly of 2010 until II Quartely in 2014 of the go-public national private banks. The sample consists of PT. Internasional Indonesia Bank, Tbk, PT. Permata Bank, Tbk, and PT. Pan Indonesia Bank, Tbk. The data were processed by using SPSS 11.5 input results and F-test to see the effect simultaneously as well as t-test to see the effect partially. It shows that LDR, IPR, APB, NPL, IRR, PDN, BOPO, FBIR, ROA, and ROE simultaneously have significant effect on CAR. Yet, partially, only IPR, APB, and PDN have significant effect on CAR. The most dominant is APB that is 23.45 percent.
THE INFLUENCE OF BUSINESS RISK TOWARD CAPITAL ADEQUACY RATIO (CAR) ON FOREIGN EXCHANGE NATIONAL PRIVATE COMMERCIAL GO PUBLIC BANKS Gustaf Naufan Febrianto; Anggraeni Anggraeni
Journal of Business & Banking Vol 6, No 1 (2016): Mei - Oktober 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v6i1.892

Abstract

The purpose of the research is to determine LDR, IPR, NPL, APB, IRR, PDN, FBIR, and BOPO simultaneously and partially have significant influence toward Capital Adequacy Ratio (CAR).Population were the foreign Exchange National Private Commercial Go Public Banks. Sampling technique is purposive sampling so that the selected Bank were Himpunan Saudara 1906, Ekonomi Raharja and bank Mayapada International. Data collected by the methods of documentation and analysis were performed by linear multiple regression analysis technique.Results shows that LDR, IPR, NPL, APB, IRR, PDN, FBIR And BOPO simultaneously have significant effect toward Capital Adequacy Ratio (CAR) ratio on foreign Exchange National Private Commercial Go Public Banks. Partially BOPO ratio significantly has a negative effect on Capital Adequacy Ratio (CAR) ratio. Meanwhile LDR, IPR, NPL, IRR and FBIR has a possitive effect but insignificant toward CAR ratio On foreign Exchange National Private Commercial Go Public Banks. On the other side APB and PDN have negative effect but insignificant toward CAR ratio on foreign Exchange National Private Commercial Go Public Banks.
Diversifikasi Aset, Risiko Bank, Ukuran Bank, dan Likuiditas Bank terhadap Efisiensi Bank Syariah di Indonesia Anggraeni Anggraeni; Iik Arie Saputri
Journal of Business & Banking Vol 10, No 1 (2020): Mei - Oktober 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v10i1.2182

Abstract

There are some factors that affect the banks’ efficiency and therefore, it is important to do research in relation to analyze those factors. The efficiency of the banking industry is required. The purpose of this study is to examine the effect of asset diversification, bank risk, bank size, and bank liquidity on the efficiency of sharia banks using Stochastic Frontier Analysis (SFA). The sample of this research is Sharia Commercial Bank, in Indonesia, which has been registered in OJK for the 2014-2018 period. The data were analyzed by using descriptive and statistical analysis with Frontier 4.1. The results showed that asset diversification, bank risk, and bank liquidity had a negative effect on efficiency. On the contrary, Total Assets has a positive effect on Efficiency. It is recommended that the banks should minimize their risk in order to increase efficiency as well as not to diversify their assets.
PENGARUH PERTUMBUHAN DANA PIHAK KETIGA DAN AKTIVA PRODUKTIF TERHADAP PERTUMBUHAN NET INTEREST MARGIN (NIM) PADA BANK-BANK PEMERINTAH DAERAH Khuryatul Machila; Anggraeni Anggraeni
Journal of Business & Banking Vol 3, No 2 (2013): November 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i2.241

Abstract

This study attempts to solve the problem dealing with a good profitability of bank which occurs when net interest margin (NIM) on bank rises from year to year. However, this does not occur in the local government banks. Therefore, it is very important to find out what factors are influencing the decrease of NIM in local government banks. The aim of this study to determine the influence of demand deposits, saving deposits, time deposits, loan received, interbank placement, securities and loans both simultaneously and individually have significant effect on the NIM growth in local government banks. It uses multiple regressions for the analysis. It shows that demand deposits, saving deposits, time deposits, loan received, interbank placement, securities and loans growth simultaneously did not significantly affect the NIM growth in local government banks. Demand deposits, saving deposits, time deposits, interbank placement, loan received and loans growth partially did not affect insignificantly and negatively either. The security growth partially has significant and positive effect on the NIM and among seven independent variables; security growth has dominant effect on the NIM.
PROFITABILITY OF ISLAMIC COMMERCIAL BANKS: A STUDY OF INTERNAL AND MACROECONOMIC FACTORS Aufrieda Artsiana Dewi; Anggraeni Anggraeni
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.12223

Abstract

This study analyzed the impact of internal and external factors on the profitability of Islamic commercial banks in Indonesia, measured by ROA. Using quarterly financial data from 2019 to 2024, with 224 valid observations, the analysis focused on CAR, FDR, NPF, BOPO, bank size, GDP, and inflation. The findings show that internal factors significantly influence profitability, with NPF and BOPO negatively affecting ROA, while larger bank size correlates with lower profitability due to higher operational costs. External factors like GDP and inflation had no significant impact on ROA. F-test and R² results confirm the model’s statistical significance and explanatory power. The study highlights the importance of internal management strategies, recommending improvements in asset quality and operational efficiency to boost financial performance.
UNDERSTANDING THE DYNAMICS OF LIQUIDITY AND INFLATION ON ISLAMIC BANK PROFITABILITY IN INDONESIA Firman Junaidi; Anggraeni Anggraeni
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12233

Abstract

This study investigates the impact of liquidity ratios on the profitability of Islamic banks in Indonesia, with inflation introduced as a moderating variable. Using a quantitative explanatory research design, the study analyzes secondary data from 11 Islamic banks over the 2021 to 2023 period. The liquidity indicators include the Cash Ratio, Quick Ratio, and Current Ratio, while Return on Assets (ROA) is used as a proxy for profitability. Inflation data is obtained from the national consumer price index. Multiple linear regression with interaction terms is employed to assess both direct and moderating effects. The classical assumption tests confirm that the model is free from normality violations, multicollinearity, autocorrelation, and heteroskedasticity. The regression results reveal that the Quick Ratio has a significant positive effect on profitability, while the Current Ratio has a significant negative impact. The Cash Ratio shows no significant influence on ROA. Inflation does not affect ROA directly but moderates the relationship between liquidity and profitability in two out of three indicators. The interaction between Quick Ratio and inflation is negative, while the interaction between Current Ratio and inflation is positive. These findings highlight the importance of adaptive liquidity strategies under varying macroeconomic conditions.
Co-Authors Anna Marina Aufrieda Artsiana Dewi Chitra Laksmi Rithmaya Eka Lailin Amalia Febrianto, Gustaf Naufan Firman Junaidi Hadi Susilo Dwi Cahyono Herwin Ardiyanto Iik Arie Saputri Khuryatul Machila Linda Purnamasari Muhammad Fikry Sentot Imam Wahjono