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INDONESIA
Jurnal Keuangan dan Perbankan
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Core Subject : Economy,
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Articles 15 Documents
Search results for , issue "Vol 18, No 3 (2014): September 2014" : 15 Documents clear
PENGEMBANGAN UMKM DENGAN ANALISIS LINGKUNGAN BISNIS KETERAMPILAN MANAJEMEN DAN PINJAMAN MODAL Ibrahim Hafid
Jurnal Keuangan dan Perbankan Vol 18, No 3 (2014): September 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (131.608 KB) | DOI: 10.26905/jkdp.v18i3.823

Abstract

The purpose of this study was to analyze and determine the influence of the business environment, managementskills, and capital loans to business potential, scale of operations and improved performance of SMEs.This research was conducted through a survey to a number of SME business units that had received loans fromrural banks with a number of samples and 220 respondents that were analyzed using structural equationmodeling (SEM). The results of this study indicated the potential effect on the business environment of business,business scale, but it did not affect the performance improvement. The management skill influencedbusiness potential, business scale and performance improvement. Capital loans affected potential business,business scale, and performance improvement. Business potential influenced performance improvement but itdid not affect the scale of business. Business Scale affected performance improvement efforts.
BANK PERKREDITAN RAKYAT: TEROBOSAN STRATEGIS BAGI PENGUATAN KELEMBAGAAN DAN PEMBIAYAAN USAHA KECIL M. Syahirman Yusi
Jurnal Keuangan dan Perbankan Vol 18, No 3 (2014): September 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (200.84 KB) | DOI: 10.26905/jkdp.v18i3.824

Abstract

Capital shortage was the main problem faced by the small scale enterprises. To solve the problem, in 2013 thegovernment legislated the regulations no. 1 about microfinance. Rural banking or BPR was one of microfinanceprograms offered the capital and other policies to improve the small scale enterprises. This paper aimed toreview the development strategy of the rural banking that supported small scale of food enterprise effectivelyin the form of financing, strengthening, and partnership in South Sumatera. Survey and interview techniquewere implemented to 225 samples and the data was analyzed by using both one way Anova Test and StructuralEquation Modeling. The result of analysis showed that all of the program offered by the rural banking hadsupported the development of small scale enterprises. Further analysis indicated that not only proposedresearch hypothesis but also the theoretical model were not rejected.
FROM HR STRATEGY TO HR PERFORMANCE IN RURAL BANKING Muafi Muafi
Jurnal Keuangan dan Perbankan Vol 18, No 3 (2014): September 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (108.967 KB) | DOI: 10.26905/jkdp.v18i3.825

Abstract

This research used 194 HR managers from rural banks in Daerah Istimewa Yogyakarta and Central Java,Indonesia as the samples and used purposive sampling technique. The examining of the configuration andcontingency approach included regression euclidience distance. The result of the configuration and contingencyapproach explained that there was misalignment between HR strategy and contingency variable such asexternal environmental. However, if it was analyzed deeply, this condition also emerged the traditionalstrategy and innovative strategy. In other contingency variables such as training model, there was an alignmentof HR strategy, either traditional HR strategy or innovative HR strategy.
THE OBJECTIVE OF ISLAMIC BANK: A CASE STUDY IN SURAKARTA REGION Ibrahim Fatwa Wijaya
Jurnal Keuangan dan Perbankan Vol 18, No 3 (2014): September 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (98.763 KB) | DOI: 10.26905/jkdp.v18i3.826

Abstract

The purposes of this research were for exploring the perception of the Islamic Banking stakeholders relatedwith the objective of Islamic Banking that operated in the dual banking system, Indonesia and for measuringthe gap between the perception and expectation of the stakeholders toward the objective of Islamic bank. Theprimary data was collected by questionnaires. The Respondents were limited only in the Surakarta region.They were customers, lecturers, students, employees, bank managers, regulators, and ulama (Moslem religiousteachers). Factor analysis was conducted for grouping or classifying the variables into the same group whichhad the same characters while Kruskall Wallis test was used for examining the different perception among thestakeholders. At last, paired sample t-test was used to measure the gap between perception and expectationamong the stakeholders. The findings of this study were first, stakeholders concluded that social objective ofIslamic was more important than the commercial one; second, there was a significant different perception on theIslamic Banking objective among the stakeholders; and third, there was a gap between the perception andexpectation of the stakeholders about Islamic Banking objectives.
DERAJAT COST STICKINESS SEKTOR PERBANKAN DAN PERTUMBUHAN EKONOMI Windyastuti Windyastuti
Jurnal Keuangan dan Perbankan Vol 18, No 3 (2014): September 2014
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (154.563 KB) | DOI: 10.26905/jkdp.v18i3.827

Abstract

This study aimed to analyze the effects of the growth on the stickiness cost in banking sector. The research datawas banking financial statements during 2001-2013 published at the Indonesian Capital Market Directory.The data included administration and general cost, banks Income and growth. This study used a dynamicpanel data regression with ordinary least square (OLS) estimation method. The results showed that cost ofadministration and general was sticky. Furthermore, the growth increased stickiness cost of administrationand general. The growth changed behavior of bank managers. When the growth increased, the bank managersincreased the amount of resources then administration and the general cost also increased although at the sametime banking income declined.

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