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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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PERSEPSI NASABAH TENTANG LAYANAN PERBANKAN: PENGARUH SERVICE FAILURE DAN STRATEGI SERVICE RECOVERY TERHADAP BEHAVIORAL INTENTIONS Yuli Liestyana
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

The research was conducted to verify the ability of service quality and service recoverystrategy to predict behavioral intentions in the banking industry. A survey questionnaire wasdeveloped, then it was distributed to 150 customers of banks in Yogyakarta. Data was analyzedusing multiple regression analysis. The results provided support for hypothesis of the negativeeffect of service failure and positive effect of recovery strategy on behavioral intentions.

ANALISIS DAN EVALUASI MEKANISME PELAKSANAAN PEMBIAYAAN AL-MUSYARAKAH PADA BANK SYARIAH Erni Susana
Jurnal Keuangan dan Perbankan Vol 13, No 1 (2009): January 2009
Publisher : University of Merdeka Malang

Musyarakah is a cooperation between two parties or more to run a certain businesswhere each party gives fund and the profit and the risk will be took together as the agreementbefore. The process of analysis and evaluation (character analysis, ability analysis, financeanalysis, condition and business analysis, guarantee analysis) of musyarakah finance requestwas in writing by the initiator functionary. Depth of an analysis was adapted the complexitylevel of finance risk which was being considered. Document of analysis and finance evaluationwas the document consisting information and opinion. Initiator functionary was suggested toavoid a statement that was like a report or information from a customer only but he had tocheck the rightness.

PERTUMBUHAN KREDIT PERBANKAN DI INDONESIA: INTERMEDIASI DAN PENGARUH VARIABEL MAKRO EKONOMI Haryati, Sri
Jurnal Keuangan dan Perbankan Vol 13, No 2 (2009): May 2009
Publisher : University of Merdeka Malang

The purpose of the research was to provide empirical evidence on the variables thataffected loan growth. The variables used to assess fund resources and allocation were depositgrowth, borrowing growth, equity growth, excess liquidity (secondary reserve) growth; andthe variables used to assess macro economics were BI rate, inflation and exchange rate. Theresearch population was all banks which operated in Indonesia and divided into two groups:national bank and foreign bank; and the secondary data was the publication of bank financialstatements of four time perception which were during December 2004-December 2008. Multipleregression was used for instrument analysis. The result of the research showed that two variablesfunds resources represented significant determination of loan growth on the national bank,and three variables fund resources represented significant determination of loan growth onforeign bank. All variables macro-economics represented significant determination of loangrowth on national bank, but not significant on foreign bank. The result of the Chow testshowed that the regression model for two group banks that operated in Indonesia was different.

PERAN PERBANKAN SYARIAH DALAM MENDORONG AGRO INVESTASI Yulizar D. Sanrego; Aam S. Rusydiana
Jurnal Keuangan dan Perbankan Vol 13, No 2 (2009): May 2009
Publisher : University of Merdeka Malang

Indonesia is an agrarian country. More of 40 percent of citizens are in theresector. However, it is not easy to face the challenges in agriculture. One of primary problemin agriculture sector is about capital endorsement. This paper tries to analyze the chanceof financing agriculture sector may be given by Islamic banking industries in Indonesia, thechallenges and steps that will be done, using descriptive statistic. The results show that shariafinancing scheme has potentially very powerful prospect as an alternative within agriculturesector problems in Indonesia. To motivate the implementation, we hope that sharia bankingindustries braver and more incessant give the financing by existing various scheme. Forrecommendation, Bank Indonesia as monetary authority could offer full support by givingincentives they need.

KETERSEDIAAN SISTEM INFORMASI TERINTEGRASI TERHADAP KEPUASAN PENGGUNA Firmanta Sebayang; Zeplin Jiwa Husada Tarigan
Jurnal Keuangan dan Perbankan Vol 13, No 2 (2009): May 2009
Publisher : University of Merdeka Malang

There were two major questions being discussed in this research, i.e. firstly, how todetermine the support of the top management and environment uncertainty and their influenceto the preparation of technology information system; secondly, how to determine the influenceof preparation technology information system to information sharing and information qualitywhich used information technology to end user satisfaction Based on previous research. It wasfound that preparation of technology information system was influenced by top managementbecause information system was determined by top management, and environment uncertaintywould influence the provide of data management. Based on a survey which was conducted bymeans of interviews and questionnaires to 53 end user information technology systempractitioners in this research, it was found that in the preparation for an integrated informationtechnology, support top management as an organization and environment uncertainty as outof organization was a requirement to form preparation of information technology system. Aninformation technology system was able to be an information sharing and information quality,but it could not directly bring the end user satisfaction. The result of an information sharingand information quality directly impacted to end user satisfaction.

COST EFFICIENCY LEVEL OF RURAL BANKS IN EAST JAVA Mongid, Abdul; Notodihardjo, Fx Soegeng
Jurnal Keuangan dan Perbankan Vol 13, No 2 (2009): May 2009
Publisher : UNIVERSITY OF MERDEKA MALANG

Abstract: Rural Bank (BPR) was an important part of financial service industry in Indonesia.Their pivotal role on lending to SMEs in the rural area made their existence very strategic torural development. However, due to its operational scale, rural bank charged higher interestrate than commercial bank. The study estimated the cost efficiency of rural banks usingparametric approach. The result found that rural bank efficiency was very high. The two yearcost efficiency estimated using frontier 4.1 was 95% and median was 100%. The lowest of costefficiency level was 32%. It meant cost inefficiency of the banks under investigated was around10%. The cost efficiency level in 2006 was on average 95% and the median was 100%. It meantthat 50% or more of the observation enjoyed 100% cost efficiency. The minimum was only67%. It meant they operated at very efficient level, leaving only 5% inefficiency. In 2007, adramatic change on efficiency level was going on. The average efficiency was dropped from11% to 89.9% due to increase on interest rate and price level.

IMPLIKASI PROSES TAKE-OVER BANK SWASTA NASIONAL GO PUBLIC TERHADAP TINGKAT KESEHATAN DAN KINERJA BANK Mintarti, Sri
Jurnal Keuangan dan Perbankan Vol 13, No 2 (2009): May 2009
Publisher : University of Merdeka Malang

The purpose of this research was to know the implication process of take-over inNational Private Banks to the degree of banks health and performance. The samples were 5national private banks which had asset more than 20 trillion and the structure of foreignownership was above 51%. Independent variable used was ratio CAEL consisted of CAR, LDR,BOPO, and NPL while dependent variable used was ROA. By using multiple regression analysis,it was found that CAR, BOPO, LDR and NPL simultaneously had an influence to ROA, while onthe whole the result of banks health degree in 5 national private banks which did take overusing CAEL method showed relative good performance.

PERSEPSI BUDAYA ORGANISASI DAN KOMITMEN TERHADAP KEPUASAN KERJA KARYAWAN BANK Musran Munizu
Jurnal Keuangan dan Perbankan Vol 14, No 1 (2010): January 2010
Publisher : University of Merdeka Malang

The purpose of this research was to analyze the ef fect among variables of organizational behavior, commitment , and employee sat isfact ion at PT. Bank SulSel Makassar. Thepopulat ion included all employee were 244 persons. There were 122 respondents part icipation in the survey. The respondents were chosen by simple random sampling technique f rompopulat ion. The data used consisted of primary data and secondary data collected by observation, interview, quest ionnaire, and documentat ion technique. Data was analyzed usingboth descript ive analysis, and St ructural Equat ion Modelling (SEM) performed by SPSS forwindows and AMOS 4.01. The results indicated following: (1) organizat ional behavior hadposit ive ef fect and signif icant to employee commitment ; (2) organizat ional behavior hadposit ive ef fect and signif icant to employee sat isfact ion; and (3) employee commitment hadposit ive ef fect and signif icant to employee sat isfact ion.

KINERJA EFISIENSI FUNGSI INTERMEDIASI BANK PERSERO DI INDONESIA DENGAN MENGGUNAKAN DATA ENVELOPMENT ANALYSIS (DEA) Andi Wijayanto; Sutarno Sutarno
Jurnal Keuangan dan Perbankan Vol 14, No 1 (2010): January 2010
Publisher : University of Merdeka Malang

The purposes of this study were to measure the ef f iciency level of state bank inIndonesia, to ident if y which bank had the best ef f iciency level, and to f ind ef f iciency determinantsof state bank in Indonesia. Analyt ical technique used was the DEA (Data EnvelopmentAnalysis). Input and output variables used intermediary funct ion of Starvarek model.Four banks were chosen as samples by using purposive sampling. The result of the studyshowed that state bank in Indonesia had a good relat ively ef f icient level. BRI, BTN, and BankMandiri had a relat ive ef f iciency level reaching 100%, while BNI was the only bank that wasrelat ively inef f icient with relat ive ef f iciency score 88.5%. Number of human resources, thetotal variable credit and short term securit ies became the dominant determinant of the ef f iciencyof state banks in Indonesia. Inef f icient companies should have increased ef f iciency byperforming input or output maximizat ion. Although the BRI, BTN, and Bank Mandiri hadproven relatively high eff iciency, the efficiency was not a peak performance they could achieve,meaning that the current level of ef f iciency could st ill be improved higher by input and/oroutput maximizat ion; potent ial improvements that could be achieved by BNI were reducingthe f ixed assets and sof tware, the amount of labor, the total deposit (input ) and increasingthe total credit .

THE ROLE OF MICRO FINANCIAL INSTITUTION TO IMPROVE SOCIO-ECONOMIC OF THE RURAL COMMUNITIES Moh. Aziz Arisudi; Salfarina Abdul Gapor
Jurnal Keuangan dan Perbankan Vol 14, No 1 (2010): January 2010
Publisher : University of Merdeka Malang

Micro f inancial inst itut ion had an important role to improve the socio-economicof the rural communit ies. However, in its effort , the result in improving the socio-economicof the rural communit ies, part icularly among the poor is st ill low. The access for the ruralcommunit ies for low interest credit was also limited. The object ives of this research were asfollows. First , to analyze the factors that drove the rural communit ies to borrow money f rommicro credit inst itut ions. Second, to analyze the role of micro credit inst itut ions and itsimpacts on the rural communit ies socio-economic, Third, to analyze the rural communit iescoping st rategies, Fourth, to evaluate the rural communit ies percept ions on micro creditinterest rate. This research used both qualitat ive and quant itat ive methods. The results ofthis research were as follows. First , the factors causing rural communit ies to borrow moneyf rom micro credit inst itut ions were to cover their living cost , provision and addit ion of capital.The micro credit inst itut ion had considerably lower interest rate than rentener, and theprocedures were simple and fast . Second, the role of micro credit inst itut ions to improve therural communit ies socio-economic was st ill low. Third, the interest rate of the micro creditinst itut ions was comparably fair and lower than the unlicensed micro bank.

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