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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 16 Documents
 1   2 
Search results for , issue "Vol 22, No 4 (2018): October 2018" : 16 Documents clear
Determinants of Profit Sharing Financing and Zakat Distribution Based on CAMEL Analysis Yetty Murni; Tri Astuti; Chaerani Nisa
Jurnal Keuangan dan Perbankan Vol 22, No 4 (2018): October 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (458.467 KB) | DOI: 10.26905/jkdp.v22i4.1994

Abstract

The rapid development of Islamic banking has many positive impacts, but on the other hand, the development also demands the readiness of sharia banking in meeting the soundness level standard set by the regulator. This study aimed to integrate the two methods of measurement of Islamic financial institutions, the CAMEL method, and maqasid sharia method. How far the ability of CAMEL, macro and general measurement, in measuring the variables on the maqasid sharia. This research used a panel data model and analyzed four regressions model which welfare model for Sharia Commercial Bank and Sharia Business Unit and affordable product model for Sharia Commercial Bank and Sharia Business Unit. This research used the quantitative descriptive method. We found that only affordable product in Sharia Business Unit can explain independent variable. Other than that, earning component in CAMEL (ROA) had a positive and significant relationship with profit sharing scheme loan. From the results of research conducted, in general, CAMEL and maqasid sharia did not have a relationship except for Sharia Business Unit. This condition can happen because of many things. Among the greater was risked and in terms of better profitability. Therefore, Sharia Commercial Bank and Sharia Business Unit, generally still run a relatively low-risk financing scheme such as Murabaha.JEL Classification: G31, G32, G34DOI: https://doi.org/10.26905/jkdp.v22i4.1994
Cost Efficiency, Total Assets, and Profitability: Evidence from Islamic Bank Sholikha Oktavi Khalifaturofi'ah
Jurnal Keuangan dan Perbankan Vol 22, No 4 (2018): October 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (438.046 KB) | DOI: 10.26905/jkdp.v22i4.2218

Abstract

Inefficiency is one of the factors that can decrease the bank’s health. Efficiency was very important for banking. Efficient banking will increase total assets and profitability. This study examined the cost efficiency of sharia banks and their effects on total assets and profitability. This study aimed to analyze the effect of cost efficiency and other financial ratios on total assets and profitability. By using a stochastic frontier approach, it was found that the average cost efficiency level in sharia bank was 85.18 percent. Furthermore, by using a panel regression method in 12 sharia banks, it was found that cost efficiency had a negative effect on total assets but did not affect the profitability of sharia banks. In addition to cost efficiency, CAR also had negative effects on total assets. FDR and NPF had a negative effect on profitability which proxied by ROA while profitability proxied by ROE negatively affected by NPF. Sharia banking should pay attention to the level of cost efficiency, capital adequacy, and financing quality in order to increase total assets and profitability.JEL Classification: G31, G32, G34DOI: https://doi.org/10.26905/jkdp.v22i4.2218
The Impact of Interest Rate, Corruption Perception Index, and Economic Growth on Foreign Direct Investment in ASEAN-6 Diella Rahmawati Fazira; Malik Cahyadin
Jurnal Keuangan dan Perbankan Vol 22, No 4 (2018): October 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (391.715 KB) | DOI: 10.26905/jkdp.v22i4.2355

Abstract

Foreign Direct Investment (FDI) becomes an economic indicator that drives economic development in developing countries. These countries need to identify some urgent indicators that attract FDI inflows. The interest rate policy is expected to become an effective instrument. This research analyzed the impact of economic growth, interest rate, and Corruption Perception Index (CPI) on FDI in ASEAN-6 in 2004-2016. ASEAN-6 were six of ASEAN member countries: Indonesia, Singapore, Malaysia, Thailand, Philippines, and Vietnam. The secondary data was collected from the reports of the World Bank, UNCTAD and Transparency International. This research used panel data with Fixed Effect Model (FEM). This research concluded that economic growth and interest rate had a positive and significant impact on FDI while CPI had a negative and significant impact on FDI. The recommendation of this research was the governments of ASEAN-6 maintain domestic economy to attract FDI. The domestic economy reflected by economic growth and interest rate. In addition, the governments need to improve the governance of FDI through the empowerment of anti-corruption institution.JEL Classification: E22, E43DOI: https://doi.org/10.26905/jkdp.v22i4.2355
Foreign Ownership, Corporate Governance Mechanism and Technical Efficiency of Indonesia Banking Industry Abdul Ghofar; Farisan Noviandry
Jurnal Keuangan dan Perbankan Vol 22, No 4 (2018): October 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (426.049 KB) | DOI: 10.26905/jkdp.v22i4.2461

Abstract

A large number of commercial banks in Indonesia are considered not ideal for the future of Indonesian banking because most of these banks are considered unhealthy and inefficient. This research aimed to examine the input and output efficiency in the Indonesian banking industry and the influence of foreign ownership and corporate governance mechanisms measured by the size of the board of commissioners and the percentage of the independent commissioner on technical efficiency using a non-parametric approach of Data Envelopment Analysis (DEA). This research used 50 foreign exchange commercial banks of Indonesia from 2012-2014. The results of DEA indicated that the efficiency of foreign exchange commercial banks has increased significantly during the observation period. Other results showed that banks with foreign ownership had a strong and positive link with technical efficiency. In line with the established literature on emerging markets, foreign ownership banks appear to be more efficient than banks with fully domestic ownership. However, the board of commissioner size showed no effect on banks technical efficiency. The percentage of independent commissioner showed a negative effect on efficiency that consistent with the argument that tighter monitoring of board of commissioners might impede performance.JEL Classification: D61, G35, M41DOI: https://doi.org/10.26905/jkdp.v22i4.2461
Digital Banking, Corporate Governance, Ownership Structure, and Intellectual Capital Performance: Evidence from Indonesia Ratna Dewi Tjendani; Ari Kuncara Widagdo; Muthmainah Muthmainah
Jurnal Keuangan dan Perbankan Vol 22, No 4 (2018): October 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (588.761 KB) | DOI: 10.26905/jkdp.v22i4.2481

Abstract

The base of the company’s growth has changed, from tangible assets to intangible assets. Many companies recognize the importance of IC as performance drivers. This research aimed to examine the effect of the implementation of digital banking, corporate governance, family ownership, foreign ownership, and government ownership on Intellectual Capital (IC) performance; and examined the effect of interactions between corporate governance and ownership structure on IC performance in banking companies listed on the Indonesia Stock Exchange (IDX) during 2012-2016. This research used a regression method with panel data. The total observations were 130 cases. In this research, IC performance used Value Added Intellectual Coefficient (VAIC). We proved that the implementation of digital banking did no significant implications for IC performance in the same year because it was still in the process of developing. Family ownership, foreign ownership, government ownership, and the interaction between corporate governance and ownership structure did not affect IC performance. On the contrary, this research proved that corporate governance had significant implications for improving IC performance. JEL Classification: G31, G32, G34DOI: https://doi.org/10.26905/jkdp.v22i4.2481
Monetary Policy and the Housing Market in Indonesia: Evidence from Selected Regions Ariyanto Adhi Nugroho; M. Yusuf Indra Purnama; Laela Rizki Fauzia
Jurnal Keuangan dan Perbankan Vol 22, No 4 (2018): October 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (577.183 KB) | DOI: 10.26905/jkdp.v22i4.2515

Abstract

The housing market in Indonesia tends to have different characteristics in several regions. The government has implemented macroprudential policies regarding mortgage loans for housing and apartments through the Loan to Value (LTV) policy in dealing with credit risk in the housing market. The aimed of this study analyze the effect of LTV policy and regional economic indicator on the house prices in Indonesia, compare the impact of LTV policy and indicator on the types of houses and regions. We used secondary data from eight regions which derived from residential property survey and statistics Indonesia at a monthly frequency. In processing estimated data using Generalized Least Square (GLS) Fixed Effect Model (FEM) to ascertain the effect of LTV policy in each region. The result showed most attributes had a significant effect on housing prices. However, LTV had no significant effect on every type of housing (small, medium, and large). The LTV policy is spatial in accordance with housing market condition in each region.JEL Classification: E52, O18, R31DOI: https://doi.org/10.26905/jkdp.v22i4.2515

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