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Jurnal Keuangan dan Perbankan

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Published by Universitas Merdeka Malang

ISSN : - EISSN : - DOI : -

Core Subject : Economy,

Economics, Econometrics & Finance

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Articles 784 Documents

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PERAN PERBANKAN DALAM IMPLEMENTASI BISNIS HIJAU DAN PEMBANGUNAN BERKELANJUTAN Sari Yuniarti
Jurnal Keuangan dan Perbankan Vol 17, No 3 (2013): September 2013
Publisher : University of Merdeka Malang

Nowadays green business was the solution offered by industry agents in saving earth in which they were demanded to have active role in environment management, even with the increase of industry aware on the importance of environment management, they were proactive in the effort to manage pollution to produce safe and hospitable environment product. This greening movement also happened in banking with the terminology green banking. Green banking could mean as banking that in doing the business was based on sustainability development principle, especially in credit or funding, namely there was ecology balance, human welfare, and also the development of social cultural in society. Bank Indonesia hoped that green banking would give positive contribution on the effort of fiscal and monetary policy strength that some of them were reflected from the decline of oil import charge and agriculture product because there was increase in supply of domestic energy from the reformed energy sources, the increase of the energy use efficiency by industry, and the increase of organic agricultural product supported by national banking.

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

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

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

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

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.

DAMPAK TINGKAT KONSENTRASI TERHADAP KINERJA DAN STABILITAS PERBANKAN DI INDONESIA TAHUN 2003-2013 Rizky Yudaruddin
Jurnal Keuangan dan Perbankan Vol 18, No 2 (2014): May 2014
Publisher : University of Merdeka Malang

The Indonesian Banking Architecture policy had increased banks concentration to strengthen their capitalstructure. Banks were forced to increase their capital so that banks consolidation might occur through mergers andor acquisitions. Based on these conditions, the purpose of this study was to analyze the impact of bank concentrationlevel to the performance and stability of the bank. Using the efficiency hypothesis, concentration-stabilityhypothesis, and concentration-fragility hypothesis, this study analyzed the entire conventional banks inIndonesia. The data used were secondary data from Bank Indonesia and the Central Bureau of Statistics from2003 to 2013, with panel data regression using eviews program. The results showed that banking industries inIndonesia supported the efficiency hypothesis and the concentration-stability hypothesis.

ANALISIS KOMPARATIF KINERJA KEUANGAN PERBANKAN ASEAN SETELAH KRISIS GLOBAL I Gusti Ayu Purnamawati
Jurnal Keuangan dan Perbankan Vol 18, No 2 (2014): May 2014
Publisher : University of Merdeka Malang

The globalization of world trade era presented a competitive challenge for the banking sector, especially thecountries that were members of the Association of Southeast Asian Nations (ASEAN) such as: Indonesia,Thailand, and Malaysia. The banking sector was very vulnerable to the economic turmoil that often occurred.The uncertainty in the global economic recovery resulted a high risk in the financial sector for the importanceof the banks financial performance assessment for the stakeholders. This study aimed to compare the financialperformance of the banking sector in Indonesia, Thailand, and Malaysia by using financial ratios. The samplewas limited to banks that fell into the category of 5 largest banks in Indonesia, Thailand, and Malaysia during2009-2012. The research data was secondary data obtained from the Indonesia Stock Exchange. The analysismethod used was Kolmogorov Smirnov test for data normality test and one-way ANOVA parametric test. Theresults showed that: (1) There were significant differences of indicators ROA, ROE and LDR in the financialperformance of banks in Indonesia, Thailand and Malaysia; (2) There was no difference of CAR indicator inbanking finance in Indonesia, Thailand and Malaysia.

PERBANDINGAN EFISIENSI BANK PERKREDITAN RAKYAT DAN BANK UMUM DENGAN PENDEKATAN DATA ENVELOPMENT ANALYSIS Suliyanto Suliyanto; Dian Purnomo Jati
Jurnal Keuangan dan Perbankan Vol 18, No 2 (2014): May 2014
Publisher : University of Merdeka Malang

The purposes of this study were to measure and to compare levels of efficiency between commercial banks andrural banks. The data used in this study were taken from the banks financial statements published by theCentral Bank of Indonesia during 2009-2011. The sampling technique used was purposive sampling byanalyzing selected 10 commercial banks and 10 rural banks. The method used in this study was Data EnvelopmentAnalysis (DEA) and independent sample t test. Input variables used were deposit, personal expenses andassets, while output variables used were financing and income. The results showed that both commercial banksand rural banks were not efficient. The results of independent sample t-test showed that there was no significantdifference between levels efficiency of commercial banks and rural banks.

PENGUNGKAPAN TANGGUNG JAWAB SOSIAL PERBANKAN DI INDONESIA Trudy Maryona Nussy
Jurnal Keuangan dan Perbankan Vol 18, No 2 (2014): May 2014
Publisher : University of Merdeka Malang

The objective of research was to examine the effect of firm size and gross earning to the disclosure of corporatesocial responsibility (CSR). The research was conducted to the banks listed in Indonesia Stock Exchange in2012. Sampling technique used was purposive sampling. Hypothesis testing was conducted by using multipleregression. The result of research indicated that firm size did not have an effect on CSR disclosure but grossearning influenced or had effect on CSR disclosure.

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

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.

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