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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 18, No 1 (2014): January 2014" : 15 Documents clear
EFEKTIVITAS JALUR KREDIT DALAM MEKANISME TRANSMISI KEBIJAKAN MONETER DI INDONESIA Regina Mayo; Ghozali Maskie; Devanto Shasta Pratomo
Jurnal Keuangan dan Perbankan Vol 18, No 1 (2014): January 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (178.352 KB) | DOI: 10.26905/jkdp.v18i1.787

Abstract

Transmission mechanism of monetary policy had an important influence in determining the final target ofmonetary policy and also affected the business and economic activity with several channels namely interestrate, asset price channel, credit channel, exchange rate channel and expectations channel. The function ofchanel was as an intermediary of monetary policy that should be able to be influential for a long time, as wellas to anticipate the imperfect information and the possibility of adverse selection and misappropriation. It wasknown as credit channel. The purpose of this research was to explain which sector credit that contributedgreatly to inflation. To analyze data, this research used VECM with two indicators namely impulse responsefunction and variance decomposition to determine which sector credit was effective to explain inflation. Theresults showed several findings. Investment credit of trade, hotel and restaurant sector and working capitalcredit of mining and quarrying sector was effectively explaining inflation. The conclusion of this research wasinvestment credit of trade, hotel and restaurant sector and working capital credit of mining and quarryingsector gave great contribution to inflation
PREDIKSI KEBANGKRUTAN BANK-BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA Farida Titik Kristanti
Jurnal Keuangan dan Perbankan Vol 18, No 1 (2014): January 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (194.66 KB) | DOI: 10.26905/jkdp.v18i1.784

Abstract

The purpose of this study was to investigate whether CAMELS ratios could be used to predict Bank bankruptcy.This study used seven ratios that represented CAMELS ratios. Logic regression Model used showedthat model fit and prediction accuracy was as much as 81.2%. It led us to the conclusion that the CAMELSratios could be used to predict bank bankruptcy. The research showed that only CAR (Capital) negatively andsignificantly influenced the prediction of Bank bankruptcy. The other variables, NPL (Asset quality), ROA(Management), NIM (Earnings), LDR (Liquidity), Price/Earning (Sensitivity) and size (Sensitivity) did nothave any significant influence to predict bank bankruptcy. This model also showed us that variability of anindependent variable could be explained by the dependent variability as much as 43.5%.
FAKTOR DETERMINAN MARJIN BUNGA BERSIH BANK PEMBANGUNAN DAERAH DI INDONESIA: SUATU STUDI DATA PANEL Raharjo, Pamuji Gesang
Jurnal Keuangan dan Perbankan Vol 18, No 1 (2014): January 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (185.026 KB) | DOI: 10.26905/jkdp.v18i1.782

Abstract

This paper analyzed the determinants of net interest margins of the regional development banks (BPD) inIndonesia. The empirical specification was focused on the reported net interest rate margin that was assumed tobe a function of two sets variables namely bank internal variable and macro economic factor as the externalvariable. The sample used in this study consisted of eight regional developments banks during the first threemonths of 2008 until the fourth three months of 2012. The results of panel data analysis with fixed effect modelshowed that bank internal factors such as Return on Asset (ROA) and asset growth (LNSIZE) had a contributionto the hight of net interest margin of the regional development banks (BPD) in Indonesia. Furthermore, themarket interest rate as a macroeconomic variable had a positive relationship with the net interest margin of theregional development banks.
RISIKO NPL KREDIT BANK PEMBANGUNAN DAERAH SEBAGAI REGIONAL CHAMPION Rofikoh Rokhim; Mal Isnaini Sri Mey Yanti
Jurnal Keuangan dan Perbankan Vol 18, No 1 (2014): January 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.133 KB) | DOI: 10.26905/jkdp.v18i1.783

Abstract

The focus of this research was to identify the impact of BPD Regional Champion Program to each bank’s NPL. This research used a panel data analysis for the observation period of 2008 – 2011. The selected random effects model identified the determinant of NPL from bank specific variables and external factors. The Model was then simulated by the indicative targets of minimum loan growth of 20% and minimum portion of productive loan of 40%. This research revealed that the Program might cause higher estimated NPL for 12 banks while for the other 13 banks the estimated NPL would be lower than the real NPL.
LINGKUNGAN BISNIS DAN BUDAYA ORGANISASI: PERANANNYA TERHADAP STRATEGI BISNIS DAN KINERJA BANK UMUM SYARIAH Arief Purwanto
Jurnal Keuangan dan Perbankan Vol 18, No 1 (2014): January 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (194.66 KB) | DOI: 10.26905/jkdp.v18i1.786

Abstract

The purposes of the study were to examine and to prove empirically the role of business environment, organization culture in producing the right business strategy and improving the performance of Islamic Commercial Bank (Bank Umum Syariah/BUS) organizations. The population was all BUS branch offices in East Java, consisting of 34 branch offices and this study was a census study. The study was analyzed using Partial Least Square (PLS) with SmartPLS software. The result of the study showed that: (1) The business environment had a direct role in strengthening organization culture and improving business strategy, but did not have a direct significant impact in improving the organization’s performance. (2) The stronger organization’s culture had an important role in improving business strategy, but did not have a direct significant impact in improving the organization’s performance (3) The right business strategy would improve the organization’s performance.

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