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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 15, No 3 (2011): September 2011" : 15 Documents clear
STRUKTUR PERBANKAN INDONESIA: KAJIAN PEMENUHAN PILAR 1- TIER1 PADA PERBANKAN NASIONAL Sri Haryati
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (64.582 KB) | DOI: 10.26905/jkdp.v15i3.1036

Abstract

It was stipulated by Bank Indonesia regulation that the banks must have a minimum core capital of Rp 100billion by the end of 2010. However, until the mid year of 2010, there were a small number of banks that hadsuch minimum core capital which was less than Rp100 billion. This research attempted to determine theinfluence of the internal factors (financial performance) as well as the external factors such as asset qualitytowards the core capital in the national banking industries. The subjects of this study were all national banks,in which the secondary data used were published financial statements based on the observation during the sixyear-period: 2004 -2009. The analysis techniques used were rotated Factor Analysis and Ordinal LogisticRegression. The results showed that of the 21 variables, 19 variables were formed as the factors, with a loadingfactor 1. The result of logistic regression analysis showed that 11 variables had a significant influencetowards the probability of compliance with core capital such as APB, ROE, NIM, BOPO, FBIR, CPR, ABP, BIRate, INFL and VER. Therefore these ratios could be used as a reference banks to improve or to maintain the corecapital (tier 1).
STRATEGI ADAPTIF BANK PERKREDITAN RAKYAT DALAM MENGHADAPI EKSPANSI KREDIT UMKM BANK UMUM DI MALANG Sari Yuniarti
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (64.582 KB) | DOI: 10.26905/jkdp.v15i3.1037

Abstract

The competition of giving credit small and medium enterprises (SMEs) was tighter. After global finance crisis, private banks and BUMN banks fought for living fund to customers. This activity was done by BPR. For this reason, BPR had to have an adaptive strategy to adapt to the changes happened, which was considered unbeneficial because there was an expansion public banks which offered SMEs credit. This research aimed at knowing how adaptive strategy done by BPR in facing credit expansion of SMEs done by public banks in Malang. The data used was primary data taken from questionnaire and interview to BPR. By using qualitative descriptive analysis technique, it could be known that BPR needed giving protection through guarantee pattern so that it could develop SMEs to become feasible and bankable SMEs, strengthen BPR industry infrastructure, strengthen network inter micro finance institution and between BPR and LKM, and establish a mutual and solid partnership which became the strong point of BPR compared with public banks.
PEMBIAYAAN PRINSIP BAGI HASIL, PRINSIP JUAL BELI DAN PRINSIP SEWA TERHADAP FALAH LABA Whedy Prasetyo
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (91.253 KB) | DOI: 10.26905/jkdp.v15i3.1038

Abstract

Each business or individual was inseparable with the need of fund to finance the industry or to do consumption.Financing could be very crucial because this financing factor was as the key of development of BankUmum Syariah (BUS) in the future. Ideally, BUS financing was dominated by principle of profit-sharingfinancing, principle of sell-buy financing and principle of lease financing where those financings were heldusing bargaining agreement and profit-sharing which had to be agreed by syariah principle. This researchexamined the effect of information content on principle of profit-sharing financing, principle of sell-buyfinancing and principle of lease financing to earning falah of BUS. These samples used purposive samplingmethod in BUS that releasing financial statements between 2004 and 2009 in which they were not loss. Datawas collected from BUS website and Indonesia Bank. The result of this research used multiple regressionanalysis to structural equation modelling (SEM) by using alternative method partial least square (PLS). Itshowed that two variables namely principle of profit-sharing financing and principle of sell-buy financinghad positive significant effect to earning falah of BUS.
PELAKSANAAN DAN SISTEM BAGI HASIL PEMBIAYAAN Al-MUDHARABAH PADA BANK SYARIAH Erni Susana; Annisa Prasetyanti
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (94.296 KB) | DOI: 10.26905/jkdp.v15i3.1039

Abstract

Al-Mudharabah finance distribution was given to all economy sectors which could give profit and forbiddistribution for the business which was illegal. Al-Mudharabah financing was distributed for the business offarming, trading, construction, and other service businesses. The aim of this article was to know the realizationand application of Al-Mudharabah finance profit sharing system at PT. Bank Muamalat Indonesia Tbk,branch of Malang, realization of al-mudharaba financing and profit sharing system at Bank Muamalat Indonesia,branch of Malang. The realization of al-mudharabah financing and profit sharing system at BankMuamalat Indonesia, branch of Malang was right and suitable with financing analysis based on the principleof syariah.
EVALUASI KUALITAS FUNGSI INTERNAL AUDITOR DALAM MENINGKATKAN EFEKTIVITAS BANK Sihwahjoeni Sihwahjoeni
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (356.474 KB) | DOI: 10.26905/jkdp.v15i3.1040

Abstract

Internal auditor was a part that could not be separated from audit internal department. Internal auditor was theside considered having independency and high objectivity so it was expected to perform its task without pressurefrom anywhere. As the independent side, internal auditor was easier to see marks deviations done by managementparty related to their job result and the things related to internal control. Internal auditor had to be able maximallyto give the contribution for the increase and bank development. This research evaluated the internal auditorfunction implementation on banks, analyzed the contribution form given by internal auditor to a bank, anddescribed the bank trick to increase internal auditor quality to be able to give contribution to a bank. Frequentanalysis technique in this research was structural equation modelling (SEM) operated through AMOS 16 program.Based on analysis result, it showed that objectivity, performance and audit job, result communication, andaim, authority and accountability had a significant effect to a bank effectiveness, while independency, scope andinternal audit, profession efficiency, follow-up, and plan and operation did not have a significant effect towardbank effectiveness.

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