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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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PENGARUH FAKTOR-FAKTOR EKSTERNAL TERHADAP KEPUTUSAN PEMILIHAN BANK Nurus Sobakh
Jurnal Keuangan dan Perbankan Vol 12, No 2 (2008): May 2008
Publisher : University of Merdeka Malang

This study was in term of survey, with the purpose to find out the effect of externalfactors comprising culture, social level, reference group, family, and economic condition towardthe decision in selecting bank. The population of this study was all customers of Tahapan BCAin PT. BCA, Tbk, KCP Dinoyo Malang, namely 25,478 persons, meanwhile the samples takenwere 73 persons with accidental sampling; data collection techniques were questionnaire andmultiple regression data analysis technique.The result of the study concluded that externalfactors comprising culture, social level, reference group, family, and economic conditioninfluenced the decision in selecting bank, either partially or simultaneously, and independentsub-variable or economic condition had dominant effect and biggest contribution toward thedecision in selecting bank, compared with another independent sub-variable. Meanwhile thesuggestion provided dealing with the conclusion above was that PT. BCA, Tbk, KCP DinoyoMalang should have made closer relationship with the customers and society in order to perceivebuying behavior, in order to be able to formulate right and efficient marketing strategy thatin turn would add the number of customers.

PERILAKU DAN KEPUASAN PELANGGAN BANK MUAMALAT INDONESIA CABANG SURABAYA DENGAN MENGGUNAKAN ANALISIS REGRESI LOGISTIK Suparto Suparto
Jurnal Keuangan dan Perbankan Vol 12, No 2 (2008): May 2008
Publisher : University of Merdeka Malang

In this research, it will be known relation between identity variable and customerbehavior that influence their satisfaction level to BMI services. From logistic regression analysis,has been conclude that males trend felt satisfied 2.503 times than female on BMI services. Thecustomer who have occupation as public officer or in the army seems felt satisfied 1.883 times,and the customer who have occupation in private company, 0.480 times if were comparedwith the other. The customer who less than 1 year seems have probability to feel satisfied 0.246and the customer who between 1-2 year, 2.333 times compared customer who more than 2years. The customer who become an BMI customer as himself/herself felt satisfied 1.919 times,with family recommendation 0.96 times, and want as himself, with friend recommendation0.1 times if are compared with the other.

PEMBIAYAAN SYARIAH PADA USAHA MIKRO, KECIL, DAN MENENGAH SEKTOR AGRIBISNIS DENGAN POLA KEMITRAAN Sutawi Sutawi
Jurnal Keuangan dan Perbankan Vol 12, No 3 (2008): September 2008
Publisher : University of Merdeka Malang

The agribusiness sector faces many problems, mainly lack of capital. High risk anduncertainty characteristics of agribusiness cause financial institution willingness to financeagribusiness very low. By these characteristics, sharia financial institutions have a greatopportunity to finance agribusiness sector. The agribusiness sector need flexible finance mainlyin the term of profit and loss sharing. Integrated sharia agribusiness partnership (ISAP) is asolution to overcome capital constraint of agribusiness. ISAP is a partnership program which isinvolves large-scale enterprises as a nucleus, and small-scale enterprises as a plasm, and thesharia financial institutions as a financial lender in a cooperation agreement. The purposes ofISAP are to improve feasibility of plasm farmers businesses, to increase link and cooperationbetween nucleus enterprises and plasm farmers, and help the sharia financial institutions toprovide finance to micro, small and medium enterprises safely and efficiently.

KINERJA EFISIENSI BANK BERSTRATIFIKASI SESUAI DENGAN VISI ARSITEKTUR PERBANKAN INDONESIA Sari Yuniarti
Jurnal Keuangan dan Perbankan Vol 12, No 3 (2008): September 2008
Publisher : University of Merdeka Malang

This research was aimed to know the relative effeciency levels of banks andstratification suitable with the vision of Indonesia Banking Architecture. In the vision, bankcategorized as much as the core capital owned by the bank.Thus, in 2010 there would be bankscategorized as BPR, focus bank, national and international bank. The samples in this researchwere 30 go public banks in Indonesia stock exchange while the data was taken from 2004 to2007. By using Data Envelopment Analysis, it could be known that banks categorized focusand national had efficiency level which was relative the same. Based on this research, it couldbe concluded that banks with little core capital (Rp100 million Rp10 quintillion) had efficiencyability which was as good as the banks with more core capital (more than Rp 10 quintillion)

MENYIBAK AGENCY PROBLEM PADA KONTRAK MUDHARABAH DAN ALTERNATIF SOLUSI Maharani, Satia Nur
Jurnal Keuangan dan Perbankan Vol 12, No 3 (2008): September 2008
Publisher : University of Merdeka Malang

Islamic Banking has been established is almost every part in the world. Mudharabahand musyarakah are two contracts which mainly characterize syariah banks. Mudharabah isthe clearest differing characteristic as well as positioning for syariah banks in competingconventional banks. Unfortunately, mudharabah and musyarakah are still rarely practiced.Risk averse attitude which is shown by syariah banking is caused by the information asymmetryand moral hazard by mudharib or clients, especially in terms of profit reporting. The informationasymmetry and moral hazard are triggers of agency problem.

KOMPENSASI DAN KEDISIPLINAN SEBAGAI FAKTOR YANG BERPENGARUH TERHADAP KINERJA DAN KEPUASAN KERJA KARYAWAN BANK Lita Dwipasari
Jurnal Keuangan dan Perbankan Vol 12, No 3 (2008): September 2008
Publisher : University of Merdeka Malang

This research was aimed to know the compensation effect and working disciplineas the factor that influenced to job performance and satisfaction. Research population wasofficers of Jatim bank of Malang by using Judment sampling method. The respondents were48 people. The data was analyzed by using Path analyze.The result of this research was thatcompensation given by Jatim Bank of Malang influenced officers job satisfaction indirectly.While the effect of compensation toward officers job performance could not be proved. Thismatter showed officers job performance was not influenced by the compensation given bythe bank. However, it was influenced by the discipline factor of the officers and it was provedempirically in this research.

DINAMIKA IMPLEMENTASI KONSEP SISTEM TANGGUNG RENTENG DAN KONTRIBUSINYA PADA TERCAPAINYA ZERO BAD DEBT Syaiful Arifin
Jurnal Keuangan dan Perbankan Vol 12, No 3 (2008): September 2008
Publisher : University of Merdeka Malang

Co-operation realizing togetherness and member prosperity, more and more becamea solution in replying global challenge and regional newly. Pursuant to analysis result ofresearch which had been conducted to co-operation of woman saving and loan in region ofTown Probolinggo in the reality co-operation managed by all this womankind was dynamicenough. It was proven because 31,25% among others were always as the commitment ofsystem norm account the renteng. The comitment was looked from its management dynamicswhich always respected the togetherness, the core importance in specifying decision.The caseof stipulating of membership status and also case of comitment togetherness to account theloss when it happened did not bill the members. Something else from the result finding ofthis research was that in reality the dynamism of system management account the renteng hadthe linearity to make-up of net income (SHU), even in the reality it also affected positively toalloted net income. A fact empirically proved that system account the renteng represented thesocial capital which could not be disregarded. Managing economy was an entity like cooperation.

PENGUATAN STABILITAS SISTEM KEUANGAN MELALUI PENINGKATAN FUNGSI INTERMEDIASI DAN EFISIENSI BANK PEMBANGUNAN DAERAH (BPD) Endri Endri
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

This article analyzed the function of the regional development banks (BPD) as anintermediary institution using loan to deposit ratio (LDR) and SBI to deposit ratio (SDR) andfinance efficiency performance with data envelopment analysis (DEA) approach. The data wasduring 2006-2007 covering 26 BPD in Indonesia. The result of study indicated that the regionaldevelopment banks did not play its optimal role as the intermediary institution and efficiencyperformance did not achieve the level of maximum (100%). For getting the optimal functionof banking intermediary and promoting better efficiencies, BPD needed to design some thegrand strategies that could be implemented in the future. They were: the limitation of BPDfunds placing in SBI notes, the cooperation inter BPD, focusing on certain market segmentation,diversification of funds source, and creating local credit guaranteeing institutions

IDENTIFYING BANK LENDING CHANNEL IN INDONESIA: A VECTOR ERROR CORRECTION APPROACH WITH STRUCTURAL BREAK Akhsyim Afandi
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

There was a question whether monetary policy works through bank lending channelrequired a monetary-induced change in bank loans originates from the supply side. Mostempirical studies that employed vector autoregressive (VAR) models failed to fulfill thisrequirement. Aiming to offer a solution to this identification problem, this paper developed afive-variable vector error correction (VEC) model of two separate bank credit markets inIndonesia. Departing from previous studies, the model of each market took account of onestructural break endogenously determined by implementing a unit root test. A cointegrationtest that took account of one structural break suggested two cointegrating vectors identifiedas bank lending supply and demand relations. The estimated VEC system for both marketssuggested that bank loans adjusted more strongly in the direction of the supply equation.

ANALISIS PENAWARAN DAN PERMINTAAN KREDIT SERTA IDENTIFIKASI PELUANG EKSPANSI PEMBIAYAAN KREDIT SEKTORAL DI WILAYAH KERJA KBI MALANG Pasha
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

This research aimed to identify the factors of demand and banking loan offer in KBIMalang by using panel data. The estimation result showed that not optimal function of bankingintermediacy in KBI Malang was caused more by the lack of demand for credit than creditcrunch. While analysis using plot revealed credit worthiness had a conclusion that some certainsectors in KBI Malang tended to be unmarketable for credit/fund. On the contrary, in somesectors, there were potencies of credit/fund distribution. However, the research result wasaggregate so it did not reflect the characteristic of bank condition precisely and economiccondition individually.

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