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All Journal International Journal Management and Economic (IJME) Journal of Innovative and Creativity
Anugrah Indah Siregar
Universitas HKBP Nommensen Medan
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Permodalan Bank terhadap Efisiensi Operasi dan Performa Intermediasi Perbankan Jaysica Balen; Nesya Septry Tarigan; Anugrah Indah Siregar; Hamonangan Siallagan
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.6747

Abstract

Banking plays an important role in the economy through its intermediary function, so capital adequacy and operational efficiency are key to maintaining stability and credit distribution. However, previous research findings on the relationship between capital adequacy and operational efficiency and intermediary performance are still diverse and require a more structured synthesis. This study aims to analyse the effect of bank capital on operational efficiency and banking intermediation performance. The method used is a literature study with a systematic literature review design. The research population consists of peer-reviewed scientific journal articles that discuss bank capital and its relationship with operational efficiency and/or banking intermediation. The sampling technique uses purposive sampling based on inclusion and exclusion criteria, resulting in a sample of 15 selected articles with active DOIs. The study location is focused on the Indonesian banking context with the support of international study findings as a comparison. The synthesis results show that capital adequacy is generally related to increased operational efficiency through strengthened risk management, governance, and cost control capacity, as well as strengthened intermediation capabilities through credit distribution resilience. However, the impact of capital is not always linear because unproductively managed capital has the potential to cause inefficiencies and an overly conservative attitude towards credit. The implication is that banks need to optimise capital utilisation for efficiency and productive credit distribution, while regulators need to ensure that capital policies promote stability and healthy intermediation.
EVALUATION OF TRANSPARENCY AND ACCOUNTABILITY IN PREPARING THE REPORT ON BUDGET REALIZATION IN UNTEMUNGKUR VILLAGE, MUARA DISTRICT Anugrah Indah Siregar; Amran Manurung; Magdalena Judika Br. Siringoringo
International Journal Management and Economic Vol. 5 No. 3 (2026): September: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijme.v5i3.3084

Abstract

This study aims to evaluate the transparency and accountability of the preparation of the Village Budget Realization Report (LRA) in Untemungkur Village, Muara District, North Tapanuli Regency. This study uses a descriptive qualitative method with data obtained through observation, interviews with 15 informants, and documentation. The analysis was conducted by comparing field conditions with Minister of Home Affairs Regulation Number 20 of 2018 concerning Village Financial Management. The results show that transparency has been implemented through information boards, APBDes billboards, and village meetings, but it is not yet optimal because the information provided is still limited, the use of digital media is inadequate, and community participation is uneven. Accountability is generally in accordance with the applicable regulations, particularly in administrative and managerial aspects through the use of the Siskeudes application, although corrections are still required during the initial preparation of reports. Supporting factors include the use of Siskeudes and hierarchical supervision, while inhibiting factors include limited human resources, internet connectivity, regulatory changes, delays in supporting documents, and low community participation.
Co-Authors Amran Manurung Hamonangan Siallagan Jaysica Balen Magdalena Judika Br. Siringoringo Nesya Septry Tarigan