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Articles 784 Documents

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BANKS CLAIMS ON PRIVATE SECTOR AND MONETARY POLICY CHANNEL Suhartono Suhartono; Abdul Mongid; FX Soegeng Notodihardjo
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

Banking industry is the main channel of monetary policy. As emphasized by the information-theoreticapproach, a central function of banks was to screen and monitor borrowers, thereby overcoming informationand incentive problems. By developing expertise in gathering relevant information, as well as by maintainingongoing relationships with customers, banks could control their business. Since 2000, Bank Indonesiastarted to implement a new framework of monetary policy and was initially applied in July 2005. Theimpact of new monetary policy framework was investigated within the banking capital adequacy regulationand economics framework. We found that stock exchange index (IHSG) was positive and significant at1%. Other variables such as FINSHARE, GM2, NPL, CAR, BIRATE were negative and significant. In general,we concluded that banking sector claims on the private sector was one of important monetary policychannels.

PROBLEM AND PERSPECTIVE OF ISLAMIC MONETARY POLICY IN INDONESIA Marsuki Marsuki
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

This article would try to explicate several theoretical and practical concepts on the problems and prospectsof Islamic monetary policy in Indonesia using a critical analysis approach, in accordance with standardscientific references, and would be complemented with descriptions and examples of practice. From theseillustrations and analyses, it appeared that on one hand, Islamic monetary policy would find many difficultiesif implemented fully, considering that there were several fundamental obstacles that would have to besurmounted by such an implementation, primarily the fact that Indonesian Constitution (UUD 1945) was notbased on Islamic law or syariah. On the other hand, despite problems and challenges, the existing conditionwas still open for the possibility for partial implementation of Islamic monetary policy. It was because therewere several conditions which were amenable for an implementation, for instance the facts that majority ofIndonesian population was Muslim, the increasing acceptance of the public for the advantages of Islamicmonetary and financial system, and increasing support by stakeholders of the banking system, especiallythe Indonesian central bank (BI). Moreover, there were facts about financial institutions and existingsyariah banking institutions.

KEBIJAKAN MONETER, SEKTOR PERBANKAN, DAN PERAN BADAN SUPERVISI Ahmad Erani Yustika; Eka Heni Sulistiani
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

Besides fiscal policy, monetary policy was the main instrument in designing economic policy. of course, therole of central bank, in this case Bank Indonesia, was so vital in formulating monetary policy. Since someyears ago, Bank Indonesia had decided that the target of monetary policy was only to keep inflation, knowninflation targeting. This policy had a strong point because BI could focus in keeping economic stability.However, the weakness of this policy was its tendency not to be adaptive with national economic situation,such as poverty and unemployment problems. Anyway, BI independence also gave a good benefit because BIcould formulate a policy as needed without any intervention from other interest, like politic. However, in theimplementation, the independence should not come into management, including monetary policy management.This was the important thing in giving a chance for BSBI (Supervision Board of Bank Indonesia) towatch BI, including monetary policy, without disturbing BI independence in formulating a policy. Thus, thepurpose of independence still became a domain owned by BI, but the implementation of the policy could bethe object of watching.

PERAN PERBANKAN DALAM PEMBIAYAAN UMKM DI PROVINSI DIY Y. Sri Susilo
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

This article aimed to identify and analyze the role of banks in financing small and medium business in theProvince of Yogyakarta special regency (DIY). The location researched included Kulon Progo regency,Sleman regency, Bantul regency, Gunungkidul regency, and Yogyakarta city. The samples were 220 businessmencategorized as small and medium business. Analysis tool used was descriptive approach. The result ofthis research was the role of banks in the development of small and medium business in the province of DIYwas very important. This was because the role of non-bank credit and financial institutions in the financingof small and medium business was still relatively low. The contribution of banks, particularly in supportingfinance was when small and medium business entered business development. When obtaining a bank loan,small and medium business categorized as potential, feasible, and bankable, did not usually meet difficulties.On the other hand, the potential small and medium business categorized feasible but not bankable andcategorized not feasible but bankable facilitated access to bank financing requiring a variety of supportprograms from government and also Bank Indonesia. Further, for potential small and medium business butnot feasible and not bankable the financial support was not through banks but through the revolving fundprograms and social assistance funds.

STRATEGI DAN ARAH KEBIJAKAN BISNIS PERBANKAN NASIONAL Teddy Hikmat Fauzi
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

Characteristics of external and internal environment significantly influenced the implementation of strategiesand could explain their relation with environmental factors and strategic management process. Rightlybank management to make observations and to consider seriously and carefully all developments happenedin the outside environment, particularly those identified as factors which would affect company operations.Another fundamental reason that required the attention of the bank focused on the importance of thesefactors. When the external strategic management process carried out, according to the results of theresearch, the characteristic of the external environment did not show a direct influence significantly on theeffectiveness of bank business, but gave the positive influence through formulation and implementation ofthe strategy done well. It could be indicated that BNI bank units in 04 west java region and state banks ingeneral still needed observations on internal factors but in order to achieve bank objectives (effectiveness).Then these factors needed to be adjusted with the opportunities. Threats originating from the externalenvironment were also strategic options that would be taken.

MONETARY POLICY SHOCKS AND ISLAMIC BANKS DEPOSITS IN INDONESIAN DUAL BANKING SYSTEM AFTER THE FINANCIAL CRISIS Ahmad Affandi; Luqyan Tamanni
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

Use of riba (usury) in the economic system remained a key factor that led to financial crisis since theinception of modern economy in the late of 17th century. Implementation of interest based monetary policystipulated rampant speculation as common practices in the global financial sector. Although Islamic bankingwas governed by syariah (Divine Law), which was assumed to be resilient from distress, the volatility ofinterest movement would generally affect Islamic banks operations in a dual banking system. This paperwould look at this issue and would empirically explore the dynamic inter-relationships between deposits ofIslamic banks with monetary policy variables in Indonesia. In terms of market share, as of 2009, Islamicbanking asset in Indonesia was a meager 2%. The industry had been affected by few monetary policy shockson its deposits and financing. The study would employ vector auto regression model (VAR) to explore thedynamics between the variables. The study would focus on data from 2004 to 2008 or performance after theAsian financial crisis. The results from these tests determined that shariah based deposits played significantrole in transmitting monetary policy effects to the economy. This study found that Islamic banking depositsin Indonesia were not sensitive to monetary policy changes. This study also concluded that IndonesianIslamic banks were resilient to financial crisis.

MEASURING EFFICIENCY AS INTERMEDIATION APPROACH BETWEEN CONVENTIONAL AND SHARIA BANKS IN INDONESIA Al-Farisi, Ade Salman; Hendrawan, Riko
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

As a financial intermediary, a bank accepted deposits and channels loans. However, the loans disbursed bybank were hard to be liquidated compared to deposits which were easier to be liquidated. If the asset sidefluctuates, customers would take their deposit away and create a bank run. On the other side, Islamic Bankused profit and loss sharing pattern to their loans and deposits. With this pattern, Islamic banks cost offunds was a function of their asset. With this pattern, there are possibilities that Islamic Banks revenuewould fluctuate more compared to conventional banks that were based on interest. The purpose of thisresearch was to compare the efficiency between Islamic banks and conventional banks without trying tolook whether the cause of inefficiency was able to be allocated or technical inefficiency. To measure efficiency,we used De Youngs argument (1997), pooled leased square with intermediation approach andalternative profit efficiency model. The unit analysis in this research were commercial banks with 102conventional banks and 3 Islamic Banks that operated in Indonesia using their quarterly annual reportbetween 2002-2007. The finding from this research showed that 3 Islamic Banks were among the 20% mostefficient bank in Indonesia in doing intermediation function.

FAKTOR YANG MEMPENGARUHI RISIKO KREDIT DAN YIELD OBLIGASI PADA PERUSAHAAN PERBANKAN Asih Widajati
Jurnal Keuangan dan Perbankan Vol 14, No 3 (2010): September 2010
Publisher : University of Merdeka Malang

Investing in bonds was preferred by investors with the reason that the bonds offer the returns that arepositive with fixed income so that more bond guarantee from the stock. Investors choose the bonds withrank considered (rating) of bonds and bond return (expressed in yield). This study aimed to analyze theinfluence. corporate governance of credit risk, the influence of corporate governance on bond yield, theeffect of credit risk on the bond yield. The used data was secondary data. The research population was banksthat issue bonds from 2008 to 2010. Sampling was done by using purposive sampling technique so thatthere were 7 banks that meet the condition sets in the sample. Tests analysis used path analysis. The resultsshowed that corporate governance the effect to credit risk and yield bonds. The results showed that bondwas the choice of investors to invest.

PENGUNGKAPAN RISIKO FINANSIAL DAN TATA KELOLA PERUSAHAAN: STUDI EMPIRIS PERBANKAN INDONESIA Djoko Suhardjanto; Aryane Dewi
Jurnal Keuangan dan Perbankan Vol 15, No 1 (2011): January 2011
Publisher : University of Merdeka Malang

The purpose of this study was to examine the effect of corporate governance to financial risk disclosures ofIndonesian banks. Corporate governance was identified as the board size, the number of board meetings, theproportion of independent commissioners, the proportion of independent audit committee members and numberof audit committee meetings. This study also used leverage and profitability as control variable. The levelof financial risk disclosure was measured based on identified items of a circular enclosure of Bank IndonesiaNo.5/21/DPNP/2003. Under purposive sampling, secondary data of 60 annual reports year 2007-2009 ofbanks in Indonesian Stock Exchange were selected. The average level of financial risk disclosures was at46.50%. It indicated that Indonesians banks were not fully compliance to regulations since financial riskdisclosures were as mandatory matters. The result of multiple regression showed that corporate governanceaffected the level of financial risk disclosure through the variable board size and the number of board meetings.The important role in implementing tata kelola perusahaan(company management) was at the board of commissionerswho served as supervisors of activities and performance of banks as well as advisory directors inensuring that companies implemented good corporate governance, including financial risk disclosures (KomiteNasional Kebijakan Governance, 2006).

PENGUKURAN EFISIENSI PERBANKAN SYARIAH BERBASIS MANAJEMEN RISIKO Ferry Prasetyia; Kanda Diendtara
Jurnal Keuangan dan Perbankan Vol 15, No 1 (2011): January 2011
Publisher : University of Merdeka Malang

Efficiency was very important to note because it reflected the performance of a bank. This research aimed todetermine the level of efficiency of Islamic banking in Indonesia using risk management approach during theperiod 2005 to 2009. The samples in this research were commercial Islamic banks and sharia business unit.Commercial Islamic banks consisted of Bank Syariah Mandiri, Bank Syariah Mega, and Bank Muamalat.While the Sharia Business Unit consisted of Bank Permata and Bank Niaga. This research used Data EnvelopmentAnalysis (DEA) to obtain the level of efficiency of each bank which was being investigated. Inputvariables used in this study were the input variable of risk such as operational risk, liquidity risk, andfinancing risk. While the output used was the total financing, and revenue sharing. The results showed thatlevels of efficiency in this research period, Bank Syariah Mandiri and Bank Muamalat always had an efficientcondition. This was because the number of customers of the two banks were large and both of them had arelatively large branch network.

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