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STRUKTUR PASAR DAN KINERJA: STUDI KASUS PADA BANK UMUM DI INDONESIA Nisa, Chaerani; Mukri, Cotoro; Djamil, Achmad
Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Vol 4 No 3 (2019)
Publisher : Economic Faculty, Attahiriyah Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (231.064 KB)

Abstract

The aim of this study is to find the relationship between market structure and performance of banking industry in Indonesia. Structure Conduct Performance Hypothesis and Relative Market Power Hypothesis are few of hypotheses among others that try to conclude relationship between those variables. This research use commercial banks that operate and alredy give their financial report to Financial Service Authority (FSA) in 2018 as a sample. This study shows that Relative Market Power Hypothesis in Indonesian banking. It means that policies that support bank merger or acquisition is not suitable for Indonesia. Since banks gain their profit by offering diversified product. Keywords: market structure, structure conduct performance hypothesis, relative market power hypothesis.
Pengelolaan SDM UMKM Kuliner Binaan di Cempaka Putih Jakarta Pusat Dian Riskarini; Lies Putriana; Chaerani Nisa
SULUH: Jurnal Abdimas Vol 2 No 1 (2020): SULUH: Jurnal Abdimas Agustus
Publisher : FEB-UP Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35814/suluh.v2i1.1542

Abstract

MSMEs has also contributed to the national economy. However, this sector is unable to develop optimally due to variety of fundamental weaknesses. One of the weaknesses is in regards to Human Resource management and the inability to properly implement its functions which has affected the performance of MSME. Community Service Program was conducted by FEB-UP in collaboration with PT. Sinar Sosro in order to find solutions towards the challenges faced by the culinary SMEs in Cempaka Putih Through interviews, discussions and giving direct understanding of good human resource management, we hoped that the MSME actors will be able to understand to make of plans for development, improvement and evaluation of the performance of these culinary MSME actors. From the results of visits, discussions and direct interviews to the field, it was found that the performance of MSME actors was not optimal, such as the simple division of tasks, the administration of sales that was not neat and the provision of compensation that had not been measured. It is hoped that the results of these activities will provide benefits for the improvement of HR management which will have an impact on increasing the business results of these culinary MSMEs.
Analisis Dampak Kebijakan Penyaluran Kredit Kepada Umkm Terhadap Pertumbuhan Pembiayaan Umkm Oleh Perbankan [Policy Impact Analysis of Lending to MSMEs on the Growth of MSMEs Financed by Banks] Chaerani Nisa
DeReMa (Development Research of Management): Jurnal Manajemen Vol 11, No 2 (2016): September
Publisher : Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19166/derema.v11i2.231

Abstract

Bank Indonesia launched PBI No. 14/22 in 2012. It regulated that it will be mandatory for all commercial banks to give a minimum of 20% of their total credit to Micro, Small and Medium Enterprise (MSME) by 2018 at the latest. With this regulation, the government expects that there will be a significant rise in credit deployment to the MSME sector. This research study shows that by December 2015 there was no significant growth in credit deployment to MSME. As a contrary, the average credit to the MSME sector between January 2012 and December 2015 was lower than the average credit deployment to MSME between January 2011 and Devember 2012.  
EVALUASI EFISIENSI PERBANKAN DI INDONESIA BERDASARKAN KATEGORI JUMLAH MODAL INTI Chaerani Nisa
JBMI (Jurnal Bisnis, Manajemen, dan Informatika) Vol. 15 No. 2 (2018): JBMI
Publisher : Department of Management FEB Unhas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/jbmi.v15i2.4131

Abstract

Penelitian ini bertujuan untuk mengukur efisiensi pada industri perbankan dengan melihat modal inti yang dimiliki oleh masing-masing bank. Sebagai acuan untuk penelitian ini digunakan Peraturan OJK Nomor 6/POJK.03/2016 tentang  Kegiatan Usaha dan Jaringan Kantor Berdasarkan Modal Inti Bank. Pada aturan ini, bank dibagi menjadi empat kategori BUKU. Semakin tinggi modal inti yang dimiliki suatu bank, semakin tinggi juga peringkat BUKU. Peneliti menggunakan variabel input biaya tenaga kerja, biaya bunga dan aset tetap, sedangkan variabel output terdiri atas kredit yang diberikan, pendapatan bunga dan pendapatan non bunga. Dalam mengukur efisiensi, digunakan pendekatan non parametrik yaitu Data Envelopment Analysis (DEA). Hasil penelitian adalah pertama,  bank-bank yang masuk pada kategori BUKU 4 beroperasi lebih efisien dari bank pada BUKU kecil. Namun demikian perbedaan rerata tidak signfikan sehingga memunculkan hasil penelitian kedua yaitu, pembagian BUKU tidak berpengaruh pada skor efisiensi. 
Penggunaan BUKU dan Kepemilikan dalam Menganalisis Efisiensi Perbankan di Indonesia Bintang Andhyka; Chaerani Nisa; Bambang Puwoko
Al Tijarah Vol 3, No 2 (2017)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tijarah.v3i2.1587

Abstract

In December 2016, there are 116 commercial banks in Indonesia. Those banksare divided into few categories. Two of them are commercial banks based onbusiness activity (BUKU) and based on ownership. This research analyzes allcommercial banks that operates between 2012 and 2016 and divide them intotwo categories mention before. The aim of the research is to find out efficiencyscore using SFA method based on those two categories. The result showthat banks in BUKU 3 have the highest efficiency score, followed by BUKU 1,BUKU 4 and BUKU 2. Meanwhile, on ownership category, state owned enterprisebanks have the highest score. It then followed by foreign banks, private.banks, municipal banks and the last one mix ownership banks
INTERACTION BETWEEN FINANCIAL SECTOR DEVELOPMENT AND MICROFINANCE INSTITUTION (MFIs) PERFORMANCE IN SOUTHEAST ASIA Chaerani Nisa; Tia Ichwani; Nurwidhi Arief Sutoyo
JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) Vol 7, No 1 (2021): Vol 7, No. 1 (2021)
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1250.067 KB) | DOI: 10.34203/jimfe.v7i1.3069

Abstract

Abstract: This study aims to examine the effect of financial sector development on the financial and social performance of MFIs. This research is a quantitative research. The population is all MFIs listed on MixMarket. This study uses purposive sampling with MFI criteria that have complete data needed from 1999 to 2019. This study uses panel data because it uses MFIs from nine countries but in different years. Data collected using data from MixMarket with a research period between 1999 and 2019. The results show that the revival of the financial sector has a negative impact on the independence of MFIs. On the other hand, progress in the financial sector also has a negative impact on MFIs for the poor. This condition indicates that there is competition between the two, as developments in the financial sector have a negative impact on the MFI's ability to generate higher incomes. The implication of this finding is that policy makers are more careful in determining the operational reach of the traditional financial sector and MFIs.Abstrak: Penelitian ini bertujuan untuk menguji pengaruh pengembangan sektor keuangan terhadap kinerja keuangan dan sosial LKM. Penelitian ini adalah penelitian kuantitatif. Populasinya adalah semua LKM yang terdaftar di MixMarket. Penelitian ini menggunakan purposive sampling dengan kriteria LKM yang memiliki kelengkapan data yang dibutuhkan dari tahun 1999 hingga 2019. Penelitian ini menggunakan data panel yang karena menggunakan LKM dari sembilan negara tetapi berbeda tahun. Data penelitian dikumpulkan dengan menggunakan data dari MixMarket dengan periode penelitian antara 1999 hingga 2019. Hasil penelitian menunjukkan bahwa kebangkitan sektor keuangan berdampak negatif terhadap independensi LKM. Di sisi lain, kemajuan sektor keuangan juga berdampak negatif pada jangkauan LKM kepada masyarakat miskin. Kondisi ini menunjukkan adanya persaingan di antara keduanya, karena perkembangan sektor keuangan berdampak negatif pada kemampuan LKM untuk menghasilkan pendapatan yang lebih tinggi. Implikasi dari temuan ini adalah pembuat kebijakan lebih berhati-hati dalam menentukan jangkauan operasional sektor keuangan tradisional dan LKM.
Determinants of BI 7 – Days Reverse Repo Rate, GDP, and Exchange Rate Against the Money Supply Tia Ichwani; Chaerani Nisa
Journal of Business, Management, & Accounting Vol. 3 No. 2 (2021): September
Publisher : Kusuma Negara Business School

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Abstract

The size of a country's progress will always be seen from the economic growth in that country. No exception for developing countries such as Indonesia, economic growth will always be the centre of attention. In this era of globalization, the development of the money supply (both M1 and M2) in society is increasing and expanding. M1 implies money supply in a narrow sense, namely limited to currency and demand deposits, while M2 contains a fairly broad meaning or scope, namely savings, demand deposits, and foreign exchange. This study identifies BI-7 Days Repo Rate factors, national income (GDP), and an exchange rate that affects the money supply (M1).
PEMBERDAYAAN KELOMPOK MASYARAKAT NON EKONOMI DI LEMBAGA PENDIDIKAN AGAMA MELALUI PELATIHAN PENGOLAHAN LIMBAH B3 RUMAH TANGGA MENJADI PRODUK KERAJINAN TANGAN DENGAN MEMANFAATKAN TEKNOLOGI TEPAT GUNA Agri Suwandi; Wina Libyawati; Chaerani Nisa
Jurnal Pengabdian Masyarakat Teknik Vol 1, No 2 (2019): Jurnal Pengabdian Masyarakat Teknik (JPMT)
Publisher : Fakultas Teknik Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (751.766 KB) | DOI: 10.24853/jpmt.1.2.69-74

Abstract

Tujuan dari kegiatan ini adalah memberdayakan siswa santri untuk dapat membuat produk-produk kerajinan tangan yang berasal dari olahan limbah B3 rumah tangga dengan menggunakan teknologi tepat guna sederhana Adapun metode yang digunakan adalah pelatihan dan pendampingan yang dilakukan dalam kurun waktu 10 jam. Hasil yang diharapkan dari kegiatan pelatihan dan pendampingan ini adalah meningkatnya kemampuan pengetahuan dan keterampilan siswa santri dalam membuat dan menghasilkan produk kerajianan tangan dengan menggunakan teknologi tepat guna.
APLIKASI TEORI PERILAKU MANAJEMEN PADA BANK MILIK PEMERINTAH DI INDONESIA Chaerani Nisa
Jurnal Manajemen dan Pemasaran Jasa Vol. 9 No. 2 (2016): September
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3992.93 KB) | DOI: 10.25105/jmpj.v9i2.2042

Abstract

This paper analyzed the behavior management in state owned bank in Indonesia. The behavior management, which is divided into four hypothesis which are, bad management, bad luck, skimping and moral hazard. This hypothesis is tested using four variables, which are efficiency, non-performing loan and capital adequacy ratio. Meanwhile, the Granger Causality test is using to find out which behavior management is happened. This concept then applied in ordinary least square model. As modification, this research use VAR (Vector Autoregressive). Since VAR also using granger causality basic concept. The result show that bad luck hypothesis happened. This is similar with the condition in India, Nordic, Central and Eastern Europe.
MAKSIMALISASI UMKM KELOLAAN MAHASISWA MELALUI FINTECH LENDING DAN DIVERSIFIKASI PASAR Chaerani Nisa; Basis G. Andamari
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 4 No 1 (2023): Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Volume 4, No 1 Maret 2023
Publisher : LP3M STKIP MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v4i1.1107

Abstract

Generasi muda didorong untuk menjadi wirausaha mengingat UMKM adalah salah satu tombak perekonomian Indonesia. Berbagai program pembinaan yang ada memotivasi mahasiswa untuk praktek langsung menjadi pengusaha. Program tersebut diantaranya melalui hibah bantuan ataupun pelatihan. Untuk itu, kegiatan Pengabdian Masyarakat Fakultas Ekonomi dan Bisnis Universitas Pancasila mendukung hal tersebut dengan melakukan pembimbingan langsung kepada mahasiswa. Pembimbingan secara langsung tersebut mempermudah evaluasi dan diskusi pada waktu yang dibutuhkan. Hasil dari kegiatan pengabdian masyarakat tersebut diantaranya adalah pengenalan pada aplikasi fintech dan diversifikasi produk. Melalui kedua program tersebut mahasiswa memahami dengan lebih mendalam bagaimana memilih fintech lending yang tepat dan juga mengimplementasikan diversifikasi produk.