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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 3 (2012): September 2012" : 15 Documents clear
KINERJA BANK DENGAN RASIO CAMEL TERHADAP PRAKTIK MANAJEMEN LABA Wattimena, Fransina
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : UNIVERSITY OF MERDEKA MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (117.4 KB) | DOI: 10.26905/jkdp.v16i3.1100

Abstract

This study aimed to measure the performance of the bank by using camel ratio to earnings managementpractices. This research objects used cluster danamon bank ambon total of 14 samples of banks consisting of 2banks conventional danamon and 12 savings and loan business unit danamon using data for 2006-2011. Theresults of studies using T test showed that there had no significant effect between the performance of the bankto the practice of earnings management measured using discretionary accruals in Danamon banks. The resultby using multiple regression analysis showed that there was a significant negative impact on earnings managementpractices. Thus cluster ambon danamon bank had to use earnings management practices.
KOMPLEKSITAS LINGKUNGAN DAN REGULASI PEMERINTAH: IMPLIKASINYA TERHADAP KINERJA PERBANKAN DI JAWA TIMUR Sabihaini, Sabihaini; Hadiwidjojo, Djumilah; Djumahir, Djumahir; Rahayu, Mintarti
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (268.717 KB) | DOI: 10.26905/jkdp.v16i3.1101

Abstract

This research was designed to describe the causal relationships between environmental complexity, governmentregulation, diversification levels, and performance. This research was conducted toward banking industryin East Java, in which the research samples were the top ten (10) well performed national commercial banks.The analysis was performed using Structural Equation Modeling (SEM). The research shows that: (1) thehigher environmental complexity level, the diversification made by the bank toward its major function wasgetting further or business activities of the bank was tend to be fee-based income activities and in fact increasebanks performance; (2) banking industry were encouraged to focus on its major function as intermediarycorporation due to intense support of government and reserve bank of Indonesia. However, the banking performancewas getting lower if the support of government and reserve bank of Indonesia on the main function of thebank (credit distribution) was getting higher. This investigation suggest that control system was needed inorder to increase the main function of the bank without increasing its risks.
MODEL LOYALITAS PELANGGAN PADA PERBANKAN MIKRO: PERCEIVED RISK SEBAGAI VARIABEL MODERASI Suliyanto Suliyanto; Pramono Hari Adi; Eling Purwanto Jati
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (142.185 KB) | DOI: 10.26905/jkdp.v16i3.1102

Abstract

The purpose of this study was to analyze the effect of relationship marketing on customer satisfaction andswitching cost, to analyze the effect of cutomer satisfaction, relationship marketing and switching cost on customerloyalty, and to analyze percieved risk as a moderation variable on causal relationship between cutomersatisfaction, relationship marketing and switching cost on customer loyalty. The samples were mikro bankingconsumers in Banyumas, Cilacap, Purbalingga and Banjarnegara. The sample size in this study were 120respondents. Sampling was done by purposive sampling method. Analytical tool used were the sub-group regressionanalysis and Chow test.The results of this study were that relationship marketing had positive effect oncustomer satisfaction and switching cost, cutomer satisfaction, relationship marketing and switching cost hadpositive effect on customer loyalty and, percieved risk moderated the relationship between cutomer satisfaction,relationship marketing and switching cost on customer loyalty.
SOSIALISASI DAN PERSEPSI BANK SYARIAH (KAJIAN KEBIJAKAN ENKULTURASI NILAI-NILAI BANK SYARIAH DALAM MASYARAKAT) Sadhana, Kridawati
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (99.231 KB) | DOI: 10.26905/jkdp.v16i3.1103

Abstract

The name of someone, something, institution had a certain meaning. A meaning depended so much on someonesperception to an object. Perception of society to Sharia Bank had an impact to society behavior toward ShariaBank. There was a gap here between bank and society which had to be acted as a bridge through policy andsocialization program. Socialization policy which was planned, adaptive, and interesting could minimize themisperception risk. Socially, sosialization program was the enculturization of sharia bank values process, andit was understood as the form of civil education.
FAKTOR-FAKTOR YANG MEMENGARUHI MUTU LAYANAN DENGAN TINGKAH LAKU NASABAH Umbas Krisnanto
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (138.381 KB) | DOI: 10.26905/jkdp.v16i3.1104

Abstract

This study was to determine the effect of independent variables quality of service to the dependent variablecustomers behavior. The survey used questionnaires to bank customers. All questionnaires were declared validand reliable. Research idea came from Petridou (2007) and Olorunniwo Hsu (2006) using factor analysisand had variables/dimensions, while Ndubisi (2003) using variables/dimensions was used by Zeithaml (1996).It used regression analysis to compare the quality of service and customer behavior. Conclusions on thedescriptive analysis of respondents stated that the response to the questionnaire on two variables was in therange of excellent category. Factor analysis could not classify variables in shaping a factor. Analysis ofdetermination stated there was a strong and positive relationship between the quality of service and thecustomers behavior amounted to 46.1%. The hypothesis stated that there was relationship in quality of serviceand customer behavior. This research found the value of the variable/dimension was not counted in previousstudies. Suggestions for the bank in the future was enhancing the accuracy and happy to help our customers,and needed to pay attention to social changes. Further research was to find the highest the correlation and morerespondents.

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