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INDONESIA
The Indonesian Journal of Business Administration
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Core Subject : Science,
The Indonesia Journal of Business Administration(IJBA) is a business journal that bridges the gap between business research and practice, evaluating and reporting on new research to help readers identify and understand significant trends in their fields. The IJBA seeks to publish papers relating to business, broadly defined. It publishes articles that address both theoretical and practical issues in the broad areas of Business Strategy and Marketing, People and Knowledge Management, Entrepreneurship and Technology Management, Decision Making and Strategic Negotiation, Operation and Performance Management, and Business Risk and Finance.Contributing academicians and researchers are encouraged to address a variety of concerns relating to all areas of business. We also encourage students to use an interdisciplinary approach to analyzing a topic, which often yields interesting and novel papers. The published articles provide valuable insight into matters of broad intellectual and practical concern to academicians and business professionals. The Journalis published three times a year: in April, July and October. The journal is mainly an outlet of MBA ITB students to publish their final project works, although it also accepts articles written by students at masters level from other institutions. A published paper is an honor that will be unambiguously beneficial for professional and academic careers, especially for those who want to attend graduate/professional schools. This means that papers written in relations to Accounting, Economics, Finance, Marketing, Management, Operations Management, Information Systems, Business Law, Corporate Ethics, and Public Policy all qualify for submission. Information on the journal format can be found in the journal's website. The number of pages must be at 10 pages. After published, the journal article will be available electronically at the journal's website. Print ISSN: 2252-3464; Online ISSN: 2252-9284
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Articles 41 Documents
Search results for , issue "Vol 8, No 1 (2019)" : 41 Documents clear
Alternative earning asset alocation beyond loan with government bond; case study of PT. Bank Bukopin,TBK Jatnika, Okki; Herlanto Anggono, Achmad
The Indonesian Journal of Business Administration Vol 8, No 1 (2019)
Publisher : The Indonesian Journal of Business Administration

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Abstract

Abstract - Bank Bukopin as a bank that focuses on the Small and Medium Enterprise segment, loan is one of its largest revenue stream. The volatility of the economy impacts the Non-Performing Loan of Bank Bukopin, which raise a highest level in December 2017 with 8.54%. This condition makes the management should consider the other earning assets that have a lower risk, to rebalance the portfolio that have a high risk characteristic, such as loan. The forecasting results concludes that the expected Indonesia 10Y Government Bond Yield have a stable growth. Whereas the Interest Income Ratio is decay gradually and aggravated by the Provision Ratio that has a stable growth. It shows that government bond could be an alternative investment option, especially when the bank facing the volatility of economy condition that will impacts the risk of the failure payment from debtor is higher. Loan is still the most priority earning asset of the bank because bank has a responsibility as the intermediary institution, and also loan gives a highest interest income. In other side, Government Bond could be used to rebalance the risk of the earning assets as the less risky investment. FR0046 could be considered as a short-term IDR government bond option and FR0059 as the option for the longer term investment. The simulation on the past financial statement as in December 2017 has shown that the government bond investment can increase the Net Interest Margin from 3.43% into 3.51%.Keywords: Banking, ALMA, Government Bond, Forecasting, ARIMA