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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 16, No 2 (2012): May 2012" : 15 Documents clear
KINERJA KEUANGAN BANK DAN STABILITAS MAKROEKONOMI TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA Imam Mukhlis
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.051 KB) | DOI: 10.26905/jkdp.v16i2.1068

Abstract

This paper investigated the determinants of the profitability of syaria banking in Indonesia for 2008-2010.The objects were Bank Muamalat, Bank Mega Syariah, Bank BNI Syariah, Bank BRI Syariah, and BankSyariah Mandiri. The profitability of syaria bank as dependent variable was measured by ratio of the net profitto total asset of the syaria bank. Meanwhile, the independent variabels were Capital Adequacy Ratio (CAR),Finance to deposit Ratio (FDR), Non Performing Finance (NPF), Inflation (INF) and Economic Growth (GR).The method used to analyze in this research was panel data. The result of analysis was that CAR variable hadnegative and significant effect to profitability of syaria banking in Indonesia for 2008-2010. Besides economicgrowth variable had positive and signficant effect to profitability of syaria banking in Indonesia for 2008-2010. The existence of economic growth effect to banking profitability showed that there was theory of growththat led to finance in Indonesian economy.
PERKEMBANGAN PERBANKAN DAN PROBLEM INTERMEDIASI Abdul Manap Pulungan; Ahmad Erani Yustika
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (909.566 KB) | DOI: 10.26905/jkdp.v16i2.1069

Abstract

After economy crisis in 1997/1998, gradually banking intermediation had held its function again although untilnow it was still far from what it was hoped. Some banks had already fulfilled the regulation of Indonesia Bank togive credit more than 78% (LDR), but there were still many banks that had not fulfilled the regulation. Thefactors of high interest rate, banking efficiency, and economy infrastructure availability were considered as thefactors that impeded the banking intermediation function. Not all those problems belonged to Indonesia Bank.However, some of them were the homework for government (like economy infrastructure supplying). Thus,cooperation between Indonesia Bank and government was something that had to be done to finish the problem.Besides, there were other problems that needed to be paid attention in bank performance that was gradually better.They were: (1) banking credit which was farther from real sector (agriculture and industry); (2) credit which wasnot evenly distributed in all areas (3) savings dominated by short term fund; (4) banking structure which tendedoligopoly; and (5) most savings or fixed deposits which were dominated by few account owners.
KINERJA INTELLECTUAL CAPITAL PERBANKAN INDONESIA: PENERAPAN MODEL PULIC DAN ANALISIS PANEL DATA Yenny Sugiarti
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (447.729 KB) | DOI: 10.26905/jkdp.v16i2.1070

Abstract

This paper investigated the performance of intellectual capital of Indonesian banking industry for the period2007-2009. It sought to measure the Value Added Intellectual Coefficient (VAICTM) and to analyze the performanceof Indonesian banks. The Pulic model is utilized to estimate the intellectual capital coefficient, and thepanel data regression was applied to test the impacts of human capital and physical capital on intellectualcapital. The results of Pulic model showed that there were increasing number of top performance banks duringthe period of study, rising from 2 banks in 2007 to 4 banks in 2009. There was a slight decrease in the badperformance banks, from 9 banks in 2007 to 8 banks in 2009. Bank Mandiri bank appeared to be the onlygovernment bank that was classified as the top performer during the period of study, while Bank PAN Indonesia,Bank Victoria, and Bank Himpunan Saudara 1906 emerge to be the top performers among the privatebanks. The findings from panel data regression suggested that both human capital and physical capital hadpositive significant impacts on intellectual capital. When the estimation was done toward human capital andphysical capital separately, the results were closely similar to the results in the original model.
CORPORATE SOCIAL RESPONSIBILITY DAN KINERJA PERBANKAN DI INDONESIA Bestari Dwi Handayani
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (200.725 KB) | DOI: 10.26905/jkdp.v16i2.1071

Abstract

The focus of this research was on corporate banking sector. Based on the background, the problem in this studywas the influence of CSR parameters (community, employment, product and consumer, and environment)toward return on assets as the proxy of banking performance. This study used multiple regression analysis todetermine the influence of CSR parameters (community, employment, product and consumer, and environment)toward the Return on Assets in the banking sector companies listed in Indonesia Stock Exchange. Theresults showed CSR community and CSR employment had positive and significant impact toward ROA,while CSR environment had negative impact and it was not significant to ROA. This study could not explainthe influence of CSR and Consumer Product toward ROA.
E-SERVICE QUALITY TERHADAP KEPUASAN DAN LOYALITAS PELANGGAN DALAM PENGGUNAAN INTERNET BANKING Ni Made Savitri Anggraeni; Ni Nyoman Kerti Yasa
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (367.89 KB) | DOI: 10.26905/jkdp.v16i2.1072

Abstract

Banking industry had developed rapidly. It caused the competition and increasing the number of customersbecame difficult. An optimal e-service quality expected to meet the expectations of customers, so the companywas able to win the market competition and it would eventually bring the maximum profit. The objective of thisresearch was to know the effect of e-service quality towards customer satisfaction and loyalty in using internetbanking of Commonwealth Bank Seminyak Bali Branch. Respondents of this research were customers whoused internet banking at least twice a month in the last three years. The number of respondents on this researchdefined 200 respondents by using sampling technique namely purposive sampling. This research used analysisof Structural Equation. The result of this research showed that the hypothesis put forward entirely acceptable:e-service quality had positive and significant impact on satisfaction, e-service quality had positive andsignificant impact on loyalty, satisfaction had positive and significant impact on customer loyalty in usinginternet banking. Managerial implication of this research was that management should evaluate and fix theperformance of e-service quality in particularly web design quality and assurance that had been implementedto minimize customers complaint and to increase the customers satisfaction and loyalty.

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