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Jurnal Keuangan dan Perbankan

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Published by Universitas Merdeka Malang

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Core Subject : Economy,

Economics, Econometrics & Finance

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Articles 784 Documents

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THE APPLICATION OF RISK BASED BANK RATING ON BANKRUPTCY PREDICTION OF BANKS IN INDONESIA Evi Sistiyarini; Sudjarno Eko Supriyono
Jurnal Keuangan dan Perbankan Vol 21, No 2 (2017): April 2017
Publisher : University of Merdeka Malang

The increase of banking products and services which is more complex will increase the risk to the banks. Therefore, to anticipate the rise of financial difficulties in a bank, the early warning system. This study aimed to find the influence RBBR (Risk Based Bank Rating) ratio’s to predict the bankruptcy of conventional Banks in Indonesia. The ratio of RBBR consisted of risk profile, Good Corporate Governance, profitability, and capital. Independent variables used were NPL, PDN, LDR, GCG, ROA and NIM, and CAR. The dependent variable was bank bankruptcy using a dummy variable. The population of this study was all of the conventional banks in Indonesia. The data was a secondary data taken form financial report of conventional bank 2011-2015. Technical sampling used was a purposive sampling method with some criteria. The analysis of this study used logistic regression. The result of the study showed that NPL, PDN, LDR, GCG, ROA and NIM, and CAR had no significant influence on the bankruptcy of the bank.

A Simple Stress Test on Indonesian Islamic Banking Industry Dece Kurniadi; Abdul Mongid; Sutan Emir Hidayat
Jurnal Keuangan dan Perbankan Vol 22, No 1 (2018): January 2018
Publisher : University of Merdeka Malang

The purpose of this study is to conduct a stress test on Indonesian Islamic Banking industry in order to assess the capability of the industry to absorb the extreme risks that may happen in the future. Using data from April 2008 to September 2014, the study employs a balance sheet approach in performing the stress test on profitability and capital position and the value at risk technique for liquidity stress test. The results of this study show that in term of profitability, Islamic banks in Indonesia are immune from losses if the default rate (Non-Performing Loan) is less than 8.5 %. If the industry can improve the profit margin, the resistance will be higher. In term of capital position, by assuming loss given default (LGD) is constant at 40%, the industry will not go bankrupt if a probability of default (PD) is less than 9%. If the PD is more than 9%, a total expected loss is more than available capital. Using the value at risk (VaR) at 99% confidence, the study finds that possible deposit flight will not exceed IDR 26 trillion and the liquid asset available is IDR 28 trillion. The study concludes that there is no liquidity threat for Islamic banks in Indonesia. The finding also uncovers the risky condition that even though the capital adequacy ratio (CAR) is on average 14%, real capital measured by Equity to the total asset (ETA) is only 5.4%.JEL Classification: G17; G21DOI: https://doi.org/10.26905/jkdp.v22i1.571

DETERMINAN EFISIENSI DAN DAMPAKNYA TERHADAP KINERJA PROFITABILITAS INDUSTRI PERBANKAN DI INDONESIA Subandi, Subandi; Ghozali, Imam
Jurnal Keuangan dan Perbankan Vol 17, No 1 (2013): January 2013
Publisher : University of Merdeka Malang

The objective of this study was to estimate the factors influencing the level of technical efficiency of banksmeasured by a non-parametric Data Envelopment Analysis (DEA) and its impact on the profitability performanceas measured by return on assets (ROA). This study applied panel data regression models with randomeffects approach to 110 conventional bank over 2006-2010. Based on estimation of the determinants of bankefficiency levels, it could be informed that bank size factors, types of banks, capital adequacy ratio, loansdeposit ratio, operating expenses and net interest margin affected the level of technical efficiency significantly.At a later stage, estimation of the determinants of profitability showed that the factors like the bank size, typesof banks, non-performing loans, loans deposit ratio, operating expenses and net interest margin significantlyaffected ROA. This study had implications both theoretically and managerially. Theoretical implications forthis research provided an important contribution to the development of the theory of efficiency and financialperformance. Finnaly the managerial implications of this research had the consequences of improving theefficiency and profitability performance, especially for the domestic banks.

INTELLECTUAL CAPITAL DAN KINERJA KEUANGAN PERBANKAN (PENDEKATAN DINAMIS PADA PANEL DATA) Ghozali Maski
Jurnal Keuangan dan Perbankan Vol 17, No 1 (2013): January 2013
Publisher : University of Merdeka Malang

The performance of economic entities had been a research matter even in the ancient world. The genius humanhad been recognized as a vehicle for certain valuable capabilities and as the critic of transforming processes.But it had not been considered as an intellectual capitalizator or intellectual asset. The field for intellectualcapital and the related philosophy of knowledge management had risen recently to an interesting researchobject world wide. Value Added Intellectual Coefficient (VAIC) method and Rate of Growth IntellectualCapital (ROGIC) were applied in order to analyze the dynamic effect of Indonesia commercial banks for thefinancial period 2005 quarter 1 until 2008 quarter 4. It focused on banking financial performance both forcurrent period and the future. The research method was quantitative analysis and the sample were 22 banks byusing purposive sampling method. The method of estimation was dynamic model on panel data.The result ofthe study was all banks had relatively smaller capital employed efficiency than human and structural efficiencies.The long term effect had greater impact for return on asset and solvency ratio compared to the short termone. Average response time required for adjustment of return on asset was faster then solvency ratio.

FAKTOR INDIVIDU, ORGANISASI, DAN SISTEM TERHADAP SIKAP PENGGUNA E-BANKING Heri Setiawan
Jurnal Keuangan dan Perbankan Vol 17, No 1 (2013): January 2013
Publisher : University of Merdeka Malang

The study investigated the influence of individual, organizational and system factors on attitude amongelectronic banking users in Palembang, Sumatera Selatan. The five constructs were system and service quality,perceived risk, organizational reputation, perceived ease of use and perceived usefulness on attitude whichwere used to determine users to use e-banking. Survey research design was adopted. Seven hundred and fiftysix e-banking users in four banks were selected using Stratified Random Sampling. Data were collected usinga structured questionnaire. Frequency and percentage distributions and multiple regressions were measuredusing analytical techniques. The research hypotheses were tested at 0.05% level of significance. Findingsrevealed that the constructs system and service quality, perceived risk, organizational reputation, perceivedease of use and perceived usefulness had a significant influence on the attitude of e-banking users. It wasconcluded that individual, organizational and systems factors influenced attitude toward use of e-banking.Banks should have made the interface of e-banking systems as friendly as possible and adopted the latesttechnologies that were standardized for effective and efficient e-banking transactions.

PERBANKAN SYARIAH DAN PENGANGGURAN: SUATU APLIKASI EMPIRIS TEORI SEARCH AND MATCHING MODEL Sari Lestari Zaenal Ridho
Jurnal Keuangan dan Perbankan Vol 17, No 1 (2013): January 2013
Publisher : University of Merdeka Malang

The development of shariah banking gave some positive impacts in many fields, including in reducing unemployment,since the growing number of Islamic banks could raise the number of labor employ. Unfortunatelythe equilibrium condition of labor demand and supply was not only necessary through market mechanism, butalso through the job search process, and compatibility with the existing work. Therefore, by using appliedresearch method, this study aimed to describe the opportunities and challenges of shariah banking in reducingthe unemployment rate as empirical application from one of theory unemployment, namely the Search andMatching Model theory.

PENGARUH TECHNOLOGY ACCEPTANCE MODEL DAN PENGEMBANGANNYA DALAM PERILAKU MENGGUNAKAN CORE BANKING SYSTEM Dessanti Putri Sekti Ari
Jurnal Keuangan dan Perbankan Vol 17, No 2 (2013): May 2013
Publisher : University of Merdeka Malang

The purpose of this study was to examine the antecedents that affected the acceptance of individuals in using theCore Banking System through the constructs Technology Acceptance Model and its development. Constructsused in this study were perceived usefulness, perceived ease of use, attitude, social influences, behavioral inten-tion, facilitating conditions, and behavior. Data were collected through survey methods. The samples of thisstudy were employees working in commercial banks in Malang Raya. This study used 136 respondents and wasanalyzed by smart PLS. The result of this study was that the construct of perceived usefulness and perceived easeof use in the Technology Acceptance Model affected attitude and behavior. Attitude and behavior in the Technol-ogy Acceptance Model and social influence which was the development of the Technology Acceptance Modelaffected behavioral intention to use the Core Banking System, as well as the construct of behavioral intention inTechnology Acceptance Model affected behavior, whereas construct of facilitating conditions which was thedevelopment of the Technology Acceptance Model did not affect the behavior on using the Core Banking System.

TREN PENGUNGKAPAN INTELLECTUAL CAPITAL INDUSTRI PERBANKAN: SEBUAH BUKTI EMPIRIS DI INDONESIA Erlin Melani; Endah Suwarni
Jurnal Keuangan dan Perbankan Vol 17, No 2 (2013): May 2013
Publisher : University of Merdeka Malang

The purposes of this research were to analyze the intellectual capital disclosures volume of banking industriesin Indonesia and to provide additional empirical evidence of variations in IC disclosure that included internalcapital, external capital and human capital in the banking companies in Indonesia. This research used trendleast square method to analyze intellectual capital disclosure trends. Furthermore, One Way Anova test wasused to determine if there was difference in the volume of internal capital disclosure, external capital andhuman capital. The result of this study showed that there was an increase in intellectual capital disclosuretrends, although not as a whole. One of the total sample showed the decrease in intellectual capital disclosuretrend. There was no difference in the volume of disclosure of the three categories in intellectual capital. This wasbecause the IC was still a voluntary disclosure and there were government regulations that indirectly encouragedcompanies to disclose IC such as taxation and labor laws.

PERBEDAAN PROFITABILITAS DAN TINGKAT PENGAWASAN SEBELUM DAN SESUDAH MERGER PADA BANK PERKREDITAN RAKYAT I Nyoman Nugraha Ardana Putra
Jurnal Keuangan dan Perbankan Vol 17, No 2 (2013): May 2013
Publisher : University of Merdeka Malang

This research was aimed at finding the influence of merger. Furthermore, it was also to find out the differenceof before and after merger to Profitability and Controlling in Society Credit Bank (BPR). In order to find outit, it included 46 Society Credit Bank (BPR-LKP) doing merger in West Nusa Tenggara province as thesample. By using t-test paired, then it came the finding that there was difference of before and after merger toprofitability in Society Credit Bank (BPR-LKP) compared with ROA indicator. Further more, it was also tofind out the difference of before and after merger to Society Credit Bank (BPR-LKP) controlled with NPLindicator.

PELAKSANAAN PEMBIAYAAN DANA TALANGAN HAJI PADA PERBANKAN SYARIAH Erni Susana; Diana Kartika
Jurnal Keuangan dan Perbankan Vol 17, No 2 (2013): May 2013
Publisher : University of Merdeka Malang

The syariah banking activity was basically the expansion of banking service for people who needed it andexpected the repayment which was not based on interest rate, but based on syariah as what determined inIslamic law. To help people to get pilgrim portion soon, syahriah banking offered agreement which was usedin financing pilgrim lending fund like al-qardh agreement and al-ijarah (ujroh system). The aim of thisresearch was to analyze financing using al-qardh agreement and al-ijarah (ujroh system) agreement. Al-qardhwas giving wealth to other people that could be collected back or asked for, or in other words lending withoutexpecting repayment, while the meaning of al-ijarah agreement was an agreement of moving the use or utilizationright on goods and service, through rent payment or ujroh without being followed by transferringownership. The implementation of financing pilgrim lending fund conformed to the rule of financing pilgrimarrangement which was written in Fatwa (a binding ruling in religious matters) DSN No. 29/DSN-MUI/VI/2002. The amount of al-ijarah repayment was not based on the amount of lending al-qardh given to thecustomers.

Page 37 of 79 | Total Record : 784

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