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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
 1   2 
Search results for , issue "Vol 14, No 1 (2010): January 2010" : 15 Documents clear
THE ROLE OF MICRO FINANCIAL INSTITUTION TO IMPROVE SOCIO-ECONOMIC OF THE RURAL COMMUNITIES Moh. Aziz Arisudi; Salfarina Abdul Gapor
Jurnal Keuangan dan Perbankan Vol 14, No 1 (2010): January 2010
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (74.14 KB) | DOI: 10.26905/jkdp.v14i1.960

Abstract

Micro f inancial inst itut ion had an important role to improve the socio-economicof the rural communit ies. However, in its effort , the result in improving the socio-economicof the rural communit ies, part icularly among the poor is st ill low. The access for the ruralcommunit ies for low interest credit was also limited. The object ives of this research were asfollows. First , to analyze the factors that drove the rural communit ies to borrow money f rommicro credit inst itut ions. Second, to analyze the role of micro credit inst itut ions and itsimpacts on the rural communit ies socio-economic, Third, to analyze the rural communit iescoping st rategies, Fourth, to evaluate the rural communit ies percept ions on micro creditinterest rate. This research used both qualitat ive and quant itat ive methods. The results ofthis research were as follows. First , the factors causing rural communit ies to borrow moneyf rom micro credit inst itut ions were to cover their living cost , provision and addit ion of capital.The micro credit inst itut ion had considerably lower interest rate than rentener, and theprocedures were simple and fast . Second, the role of micro credit inst itut ions to improve therural communit ies socio-economic was st ill low. Third, the interest rate of the micro creditinst itut ions was comparably fair and lower than the unlicensed micro bank.
PERBANKAN SYARIAH DI INDONESIA DAN PERAN PERGURUAN TINGGI DALAM RANGKA AKSELERASI Euis Amalia
Jurnal Keuangan dan Perbankan Vol 14, No 1 (2010): January 2010
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (122.087 KB) | DOI: 10.26905/jkdp.v14i1.961

Abstract

Recently, the shares of sharia banking were too small compared to the asset ofnational banking. The support from the government indicated that new industries were wellconsidered in the national economic development. Various barriers and challenges neededto be solved through total supports from the stakeholders and all elements of society. Highereducation as the center of analysis and research had a strategic role in contributing thoughtsfor product development, supply of human resource, socialization, education and advocationto the implementation of regulation so that acceleration program could make shariabanking as a part of economic pillar of nation especially medium, small and micro enterprisesempowerment.
COST OF CAPITAL PADA BANK SYARIAH MANDIRI PERIODE 2004-2008 Indra Setyawan; Apriani Dorkas Rambu Atahau
Jurnal Keuangan dan Perbankan Vol 14, No 1 (2010): January 2010
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (220.849 KB) | DOI: 10.26905/jkdp.v14i1.962

Abstract

The growth of Islamic or Syariah banking had been remarkable. It was not onlyoccuring in count ries where the Moslems were majorit y but also in count ries where Moslemswere minority. Syariah banking itself had a specif ic characterist ic known as prof it -and-losssharing system. This prof it-and-loss sharing system was dif ferent f rom interest -based systemused by convent ional banks. Prof it-and-loss sharing system implementat ion had a significant impact on the cost of capital calculat ion in Islamic banks. This research described thecalculat ion of capital cost in Bank Syariah Mandiri as one of Islamic (syariah) banks. The aimof the study was to give view about the capital cost of Mandiri syariah bank in Indonesia. Thedata were taken f rom Mandiri Syariah banks f inancial report during f ive consecut ive years.The data were analyzed by using t rend analysis. Based on t rend analysis in every componentof cost of capital, it was concluded that the cost of capital of Bank Syariah Mandiri syariahbank tended to decrease due to the decreasing t rend of its cost of debt .
MEMPREDIKSI KESEHATAN BANK DENGAN RASIO CAMELS PADA BANK PERKREDITAN RAKYAT Herry Laksito; Sutapa Sutapa
Jurnal Keuangan dan Perbankan Vol 14, No 1 (2010): January 2010
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (143.297 KB) | DOI: 10.26905/jkdp.v14i1.963

Abstract

The Research was empirically retest analyses financial performance under CAMELSratios on degree of bank health. The research model was test financial statements underfinancial ratios on degree of bank health. The purpose of research was to analyze financialratios such as Capitals, Assets, Management, Earnings, Liquidity and sensitivity on degree ofbank health. The population was BPR residing in Pati Sub-Province. According to StatisticCenter Board on 2006, there were 68 BPR residing in Pati Sub-Province. Selection of samplesused purposive sampling with special characteristics suitable with research scopes. So, thesamples of research are 61 Bank Perkreditan Rakyat.Tools of analyses used Regression Logistic.The result of research was from all CAMELS ratios which effect on degree of bank health,Capital which was measured with CAR ratio had level of significance 0.011, Assets which wasmeasured with Assets utilization ratio had level of significance 0.022, Management whichwas measured with OPM ratio had level of significance 0.009, and Earning which was measuredwith ROE ratio had level of significance 0.009.
THE ROLE OF BANKING CREDIT IN DEVELOPMENT LEADING SECTORS AT SOUTH SULAWESI PROVINCE Abd. Rahman Razak
Jurnal Keuangan dan Perbankan Vol 14, No 1 (2010): January 2010
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (78.31 KB) | DOI: 10.26905/jkdp.v14i1.964

Abstract

This study aimed to measure how far the role of bank loans extended to supportthe development of leading sectors in South Sulawesi Province during the period 2003 - 2007as the period of observat ion. Data used were secondary data analyzed by using descript ivestat ist ical analysis tools and Locat ion Quot ient methods (LQ). To perform measurements, theresults of LQ calculat ion each economic leading sector of this region compared with thevalue of the share or the average percentage dist ribut ion of bank loans extended to everyeconomic sector. Results showed that there were 5 (f ive) sectors of the economy in SouthSulawesi Province that had values greater than 1 (one), so that the most valuable sector inthe economy of this region during the observat ion period, namely agriculture, mining andquarrying, elect ricity, gas and water supply, t ransport and communicat ions sector; and theservices sector. The role of bank credit in the development of leading sectors of this regionhad not been ef fect ive because there was st ill a fairly large gap between the value of its LQwinningeach of the sectors with the value of the average percentage of credit extended tothe leading sectors during the period of observat ion.

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