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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
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DOI: 10.26905/jkdp.v18i3.825
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
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DOI: 10.26905/jkdp.v18i3.826
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
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DOI: 10.26905/jkdp.v18i3.827
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.
CORPORATE SOCIAL RESPONSIBILITY TERHADAP LOYALITAS NASABAH YANG DIMEDIASI OLEH CITRA PERUSAHAAN
Ni Nyoman Kerti Yasa;
Putu Gde Sukaatmadja;
I G.N. Jaya A. Widagda;
I Putu Andika Angga Putra
Jurnal Keuangan dan Perbankan Vol 19, No 1 (2015): January 2015
Publisher : University of Merdeka Malang
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DOI: 10.26905/jkdp.v19i1.839
The purpose of this study was to determine the effect of corporate social responsibility towards the customerloyalty, mediated by corporate image. The population in this study was the customers of BPR. The number ofsamples was 120 respondents by using purposive sampling method. The data analysis technique used was thetechnique of path analysis and the Sobel test. The results of this study indicated that CSR had a positive andsignificant impact on the corporate image and the customer loyalty of BPR in Denpasar. The variable ofcorporate image was proved to be able to mediate the effects of CSR on BPR customer loyalty in Denpasarsignificantly. The implication of this research was suggested to BPR industry in Denpasar to implement andto communicate the CSR activities done to increase the corporate image and to increase the customer loyalty.
ANTESEDEN KARIR DAN PENGARUHNYA TERHADAP KINERJA MANAJER BANK
Idayanti Nursyamsi
Jurnal Keuangan dan Perbankan Vol 19, No 1 (2015): January 2015
Publisher : University of Merdeka Malang
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DOI: 10.26905/jkdp.v19i1.840
Prior empirical reviews had suggested that several antecedent variables had an effect on banker's career and performance. In line with this we had built a conceptual model, developed a questionnaire, and used a multistage sampling method to collect responses from 102 bankers in Makassar, the capital city within the Provinces of South Sulawesi, Indonesia. Structural Equation Models showed that the antecedent variables (personality, organizational commitment, and human capital) had a significant effect on banker's career. Despite these positive findings, human capital had an insignificant positive relation to banker's performance. The relevance of these findings to prior empirical studies along with several recommendations to improve organizational effectiveness and future research had been given at the end of this paper.
DAMPAK PENETRASI BANK ASING TERHADAP KINERJA KEUANGAN BANK ISLAM DI INDONESIA
Wiwiek Rabiatul Adawiyah
Jurnal Keuangan dan Perbankan Vol 19, No 1 (2015): January 2015
Publisher : University of Merdeka Malang
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DOI: 10.26905/jkdp.v19i1.841
This article empirically examined the effects of foreign banks entry on the performance of Islamic banks inIndonesia, with the observation period 1999-2013. The method of analysis employed was descriptive statisticsand multiple regressions. The result of the study indicated that capital adequacy ratio had a negative influenceon the financial performance, measured using return on assets (ROA) of domestic Islamic banks in Indonesiawhile liquidity ratio did not influence ROA. Surprisingly this study revealed that foreign banks entry had anegative effect, insignificant influence on the financial performance of Islamic banks. This result supported theviews that foreign banks entry had an adverse effect on the performance of domestic banks in several emergingmarket economies worldwide, but against the notion that foreign banks entry brought positive effects on theperformance of incumbent banks.
RISIKO EKSPROPRIASI OLEH PEMILIK PENGENDALI DAN TATA KELOLA PERUSAHAAN TERHADAP TINGKAT PENGGUNAAN UTANG BANK
Ratna Wardhani
Jurnal Keuangan dan Perbankan Vol 19, No 2 (2015): May 2015
Publisher : University of Merdeka Malang
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DOI: 10.26905/jkdp.v19i2.843
Penelitian ini bertujuan untuk menganalisis pengaruh dari risiko ekspropriasi oleh pemegang saham pengendali dan tata kelola perusahaan (tata kelola perusahaan) terhadap tingkat penggunaan utang bank yang dimiliki oleh perusahaan.This study aimed to analyze the effect of the expropriation risk by controller shareholders and corporate governance (GCG) to the use level of bank loan owned by the company. Sampel yang digunakan dalam penelitian ini adalah 226 data perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia pada periode 2010-2012. The samples used in this study were the data 226 manufacturing companies listed in Indonesia Stock Exchange in period 2010-2012. Hasil penelitian ini menunjukkan bahwa besarnya risiko ekspropriasi yang dapat dilakukan oleh pemegang saham pengendali berpengaruh secara negatif terhadap tingkat hutang bank. The results showed that the magnitude of expropriation risk that could be done by controlling shareholders adversely affected the level of bank loan. Hal ini menunjukkan dua hal yaitu bahwa bank dalam memberikan hutang kepada perusahaan mempertimbangkan adanya kemungkinan ekspropriasi tersebut dan perusahaan yang memiliki risiko ekspropriasi akan lebih sedikit berhutang ke bank karena perusahaan menghindari adanya pengawasan yang lebih tinggi dari bank. Penelitian ini tidak dapat membuktikan pengaruh tata kelola perusahaan terhadap tingkat utang bank. Sedangkan hasil atas variabel kualitas audit menunjukkan adanya hubungan positif antara ukuran KAP dengan tingkat utang bank. This showed two things: in making loans to the company, banks considered the possibility of the expropriation. The companies that had the expropriation risk would have less loan to the bank because the company avoided scrutiny which was higher than banks. This study could not prove the influence of corporate governance on the level of bank loan. The result on the audit quality variable showed a positive correlation between KAP size and bank loan levels.
DEWAN KOMISARIS DAN INTELLECTUAL CAPITAL DISCLOSURE PADA PERBANKAN DI INDONESIA
Lia Uzliawati
Jurnal Keuangan dan Perbankan Vol 19, No 2 (2015): May 2015
Publisher : University of Merdeka Malang
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DOI: 10.26905/jkdp.v19i2.845
The purpose of this study is to examine the relationship between board of commissioner and intellectual capitaldisclosure in Indonesia Banking Industry.The purpose of this study was to examine the relationship betweenthe board of commissioner and intellectual capital disclosure in Indonesia Banking Industry. The intellectualcapital disclosure measurement in this study used the index developed by Sveiby (1997).The data were collectedfrom 31 banks listed in Indonesia Stock Exchange period 2008-2012. The disclosure of intellectualcapital measurement in this study used the index developed by Sveiby (1997). The Data were collected from 31banks listed in Indonesia Stock Exchange period 2008-2012. This study finds that size, independent commissioner,and meeting frequency have positive relationship with intellectual capital disclosure. This study foundthat the size, independent commissioner, and meeting frequency had a positive relationship with intellectualcapital disclosure. The finding of this research can be as a reference and portrait that board of commissioneralready aware the importance of ICD. The finding of this research could be as a reference and portrait thatboard of commissioner was already aware of the importance of ICD.
KETERKAITAN KEBIJAKAN PEMISAHAN TERHADAP TINGKAT EFISIENSI PADA INDUSTRI PERBANKAN SYARIAH DI INDONESIA
M. Nur Rianto Al Arif
Jurnal Keuangan dan Perbankan Vol 19, No 2 (2015): May 2015
Publisher : University of Merdeka Malang
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DOI: 10.26905/jkdp.v19i2.851
One way to accelerate the growth of Islamic banks in Indonesia was by applying the policy of separation. Thepurpose of this study was to analyze the relationship between separation policy that had been implementedsince 2008 with the operational efficiency of the Islamic banking industry in Indonesia. The method used wasregression with dummy variables. The variables used in this study were a dummy variable separation,deposits, financing, assets, NPF, margin deposits of one month, and ROA. The result showed that separationpolicy had a relationship with the operational efficiency on Islamic banking industry in Indonesia. This resultimplied that separation policy should have been evaluated because it caused the industry to be less efficientwhen compared with the condition before the separation.
THE IMPACT OF GLOBAL ECONOMIC CONTRACTION TOWARDS LENDING BEHAVIOR OF BANKS IN INDONESIA
Yudaruddin, Rizky
Jurnal Keuangan dan Perbankan Vol 19, No 2 (2015): May 2015
Publisher : University of Merdeka Malang
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DOI: 10.26905/jkdp.v19i2.852
The global financial crisis of 2008 that hit many countries had become an important concern, especially thebanking industry in Indonesia. This was because first, the experience of the economic crisis of 1997-1998.Second, the nature of the crisis could spread to other countries. So this study aimed to examine empirically theimpact of the global economic contraction on the behavior of bank credit in Indonesia. Using panel data sourcefrom the Word Bank and Bank Indonesia Year 2004-2012, the data were analyzed with Dynamic Panel Datausing E-views program 8. The results showed that the global economic contraction had a significant effect onthe behavior of credit in foreign and joint venture banks in Indonesia in 2004-2012.