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INDONESIA
Jurnal Keuangan dan Perbankan
Published by Universitas Merdeka Malang
ISSN : -     EISSN : -     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 15 Documents
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Search results for , issue "Vol 13, No 1 (2009): January 2009" : 15 Documents clear
PENGUATAN STABILITAS SISTEM KEUANGAN MELALUI PENINGKATAN FUNGSI INTERMEDIASI DAN EFISIENSI BANK PEMBANGUNAN DAERAH (BPD) Endri Endri
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (344.437 KB) | DOI: 10.26905/jkdp.v13i1.923

Abstract

This article analyzed the function of the regional development banks (BPD) as anintermediary institution using loan to deposit ratio (LDR) and SBI to deposit ratio (SDR) andfinance efficiency performance with data envelopment analysis (DEA) approach. The data wasduring 2006-2007 covering 26 BPD in Indonesia. The result of study indicated that the regionaldevelopment banks did not play its optimal role as the intermediary institution and efficiencyperformance did not achieve the level of maximum (100%). For getting the optimal functionof banking intermediary and promoting better efficiencies, BPD needed to design some thegrand strategies that could be implemented in the future. They were: the limitation of BPDfunds placing in SBI notes, the cooperation inter BPD, focusing on certain market segmentation,diversification of funds source, and creating local credit guaranteeing institutions
IDENTIFYING BANK LENDING CHANNEL IN INDONESIA: A VECTOR ERROR CORRECTION APPROACH WITH STRUCTURAL BREAK Akhsyim Afandi
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (597.512 KB) | DOI: 10.26905/jkdp.v13i1.924

Abstract

There was a question whether monetary policy works through bank lending channelrequired a monetary-induced change in bank loans originates from the supply side. Mostempirical studies that employed vector autoregressive (VAR) models failed to fulfill thisrequirement. Aiming to offer a solution to this identification problem, this paper developed afive-variable vector error correction (VEC) model of two separate bank credit markets inIndonesia. Departing from previous studies, the model of each market took account of onestructural break endogenously determined by implementing a unit root test. A cointegrationtest that took account of one structural break suggested two cointegrating vectors identifiedas bank lending supply and demand relations. The estimated VEC system for both marketssuggested that bank loans adjusted more strongly in the direction of the supply equation.
ANALISIS PENAWARAN DAN PERMINTAAN KREDIT SERTA IDENTIFIKASI PELUANG EKSPANSI PEMBIAYAAN KREDIT SEKTORAL DI WILAYAH KERJA KBI MALANG Pasha
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1731.834 KB) | DOI: 10.26905/jkdp.v13i1.925

Abstract

This research aimed to identify the factors of demand and banking loan offer in KBIMalang by using panel data. The estimation result showed that not optimal function of bankingintermediacy in KBI Malang was caused more by the lack of demand for credit than creditcrunch. While analysis using plot revealed credit worthiness had a conclusion that some certainsectors in KBI Malang tended to be unmarketable for credit/fund. On the contrary, in somesectors, there were potencies of credit/fund distribution. However, the research result wasaggregate so it did not reflect the characteristic of bank condition precisely and economiccondition individually.
PERSEPSI NASABAH TENTANG LAYANAN PERBANKAN: PENGARUH SERVICE FAILURE DAN STRATEGI SERVICE RECOVERY TERHADAP BEHAVIORAL INTENTIONS Yuli Liestyana
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (147.19 KB) | DOI: 10.26905/jkdp.v13i1.926

Abstract

The research was conducted to verify the ability of service quality and service recoverystrategy to predict behavioral intentions in the banking industry. A survey questionnaire wasdeveloped, then it was distributed to 150 customers of banks in Yogyakarta. Data was analyzedusing multiple regression analysis. The results provided support for hypothesis of the negativeeffect of service failure and positive effect of recovery strategy on behavioral intentions.
ANALISIS DAN EVALUASI MEKANISME PELAKSANAAN PEMBIAYAAN AL-MUSYARAKAH PADA BANK SYARIAH Erni Susana
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (115.721 KB) | DOI: 10.26905/jkdp.v13i1.927

Abstract

Musyarakah is a cooperation between two parties or more to run a certain businesswhere each party gives fund and the profit and the risk will be took together as the agreementbefore. The process of analysis and evaluation (character analysis, ability analysis, financeanalysis, condition and business analysis, guarantee analysis) of musyarakah finance requestwas in writing by the initiator functionary. Depth of an analysis was adapted the complexitylevel of finance risk which was being considered. Document of analysis and finance evaluationwas the document consisting information and opinion. Initiator functionary was suggested toavoid a statement that was like a report or information from a customer only but he had tocheck the rightness.

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