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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 16, No 1 (2012): January 2012" : 15 Documents clear
KEPEMILIKAN BANK DAN KEPATUHAN REGULASI TERHADAP RISIKO PERBANKAN YANG DIMODERASI OLEH CHARTER VALUE Taswan Taswan
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (250.242 KB) | DOI: 10.26905/jkdp.v16i1.1051

Abstract

This papers first issue concerned the influence of bank ownership on the risk, the effect of regulation on thelevel of risk, and the effect of charter value on risk. Ownership relations to regulatory compliance on risk weremoderated by the charter value. By using a sample of commercial banks operating in Indonesia, and performedtesting with the MMR model, the result obtained was that domestic private ownership, foreign ownership andownership concentration had significantly positive effect on the risk. Each relationship was moderated by thecharter value. Charter values negatively affected the level of risk. This finding was consistent with theentrenchment argument. While regulatory compliance negatively affected the risk, but not moderated by thecharter value. Regulatory influence on the risk of convergence was consistent with the argument.
PERCEPATAN ADOPSI SISTEM TRANSAKSI TEKNOLOGI INFORMASI UNTUK MENINGKATKAN AKSESIBILITAS LAYANAN JASA PERBANKAN Ikaputera Waspada
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (200.9 KB) | DOI: 10.26905/jkdp.v16i1.1052

Abstract

E-money had potential as an effective transaction payment tool especially for micro transactions, but publicadoption level was relatively low. The research object was to find the factors that influenced the acceptance levelof e-Money in customer and business user, to develop an acceleration of adoption strategy of e-Money in thepublic. The research methods used in this research were Descriptive and Verificative methods. The respondentsconsisted of customer and business user in Bandung. The sample was chosen purposively. The respondentsfrom business user shown that e-money performance which considered good was transaction speed, easiness toturn into cash, operational easiness and low transaction cost.
FAKTOR FUNDAMENTAL MAKRO DAN SKIM BUNGA KREDIT SEBAGAI VARIABEL INTERVENING PENGARUHNYA TERHADAP KINERJA BANK Harmono Harmono
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (479.378 KB) | DOI: 10.26905/jkdp.v16i1.1053

Abstract

This study aim to analysis the effect of macroeconomic fundamental and credit interest scheme to financialperformance of conventional Bank in Indonesia. The operational of dependent variable, by using Capital AdequacyRatio, non-performing loan, net interest margin, return on assets, and loan to deposits ratio. And theothers hand,independent variable are measured by macroeconomics fundamental;i.e.Interest Rate of IndonesianCentral Bank, inflation, and exchange rate of rupiah to US$.Credit interest scheme consist of working-capitalcredit interest rate, investment credit, and interest rate of consumption credit. Sampling technique,using purposivesampling and the number of samples is conventional banks in Indonesia. Data will be analysis 2006-2010monthly. Analysis technique isstructural equation model. The discovery results showed, the macroeconomicfundamental factors have significant to bank performance and dimension of credit interest scheme have role asintervening variable in supporting macro fundamental in influencing to financial performance of conventionalbanking in Indonesia. For represented of variables have any significant in contributed to each dimension can bedescribed, for macroeconomic fundamental, all variable is significant to contribute in factor construct. For creditinterest scheme was too all of variable, and bank performance just Capital Adequacy Ratio and Return on Assets.
DETERMINASI AUDIT INTERNAL DALAM MEWUJUDKAN GOOD CORPORATE GOVERNANCE SERTA IMPLIKASINYA PADA KINERJA BANK Dedi Kusmayadi
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (236.425 KB) | DOI: 10.26905/jkdp.v16i1.1054

Abstract

The objective of the research was to find out the effect of internal audit on good corporate governance and itsimpact to performance of government bank Tasikmalaya regency. The method used in the research was censusmethod with descriptive explanatory approach. The data collecting technique used to obtain the primary datawas through interviews and by means of questionnaire. Path analysis was used to analyze the data.The resultsshowed that: the internal audit gave positive and significant effect on good corporate governance, the internalaudit and good corporate governance, partially and simultaneously gave positive and significant effect onperformance of government bank Tasikmalaya regency.
FAKTOR PENENTU KEBERHASILAN PROGRAM KREDIT USAHA RAKYAT TERHADAP PENINGKATAN AKSES PERMODALAN DI PROPINSI JAWA TIMUR Ike Kusdyah Rachmawati
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (253.799 KB) | DOI: 10.26905/jkdp.v16i1.1055

Abstract

This study aimed to analyze the critical success factors program peoples business credit against increasingcapital access in East Java. It used qualitative and quantitative approaches and it used descriptive analysis thatanalyzed the contribution program assistance to micro and small groups and various internal and externalconstraints, and used Analytic Hierarchy Process (AHP) to determine the priority level of the factors thataffected the Kredit Usaha Rakyat (KUR). Sample of this study was the banking, micro business, small business,business and service / technical institutions in East Java. The research was done in the 3 (three) districts whichwere Sidoarjo regency, Malang and Surabaya. Based on the results of the AHP, access to services and KURperformance could be improved by considering some factors and sub factors that influenced it, among others:candidates prospects debtor, office of technical capacity, policy and resources banking, and macro factors.Macro factors were factors that should always be monitored. The responsible party for this macro was a BIfactor as the banking authorities.

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