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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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PENYALURAN KREDIT BANK DITINJAU DARI JUMLAH DANA PIHAK KETIGA DAN TINGKAT NON PERFORMING LOANS Imam Mukhlis
Jurnal Keuangan dan Perbankan Vol 15, No 1 (2011): January 2011
Publisher : University of Merdeka Malang

This research aimed to analyze the effect of money deposit on the bank and non performing loans on creditallocation from Bank Rakyat Indonesia in 2000-2009. The method of analyze was dynamic regression modelby Error Correction Model (ECM) approach version Domowitz and Elbadawi. Our empirical results showedthat only non performing loan on the short term had a significant effect to credit allocation from Bank RakyatIndonesia on the short term and long term. The variable money deposit of the bank did not have a significanteffect on credit allocation from Bank Rakyat Indonesia both on short term and long term period.

KIPRAH BANK RAKYAT INDONESIA DALAM MENDUKUNG USAHA MIKRO KECIL MENENGAH SEKTOR PERIKANAN Harsuko Riniwati
Jurnal Keuangan dan Perbankan Vol 15, No 1 (2011): January 2011
Publisher : University of Merdeka Malang

Fisheries development faced several constraints: the ability to produce low compared to the available potential,product marketing and financing for the factors of production. These problems led the banking sector still tolook at the marginal of fisheries sector, especially small and medium micro enterprises. The purpose of thisstudy was to analyze: (1) feasibility study of freshwater fish culture, (2) parameters BRI management decisionmaking in lending to micro entrepreneurs, particularly freshwater fish farmers, (3) the role of BRI in increasingproduction of freshwater fish cultivation, (4) formulating a funding model that allowed fresh water fishfarmer accessible. The results showed that freshwater fisheries were generally feasible to be developed throughcredit of BRI. Credit model could be done in cooperation with institutions that allowed a guarantor of KUDMina, core plasma, consultants of SMEs, self partners, microfinance institution and marine and fisheriesdepartment.

MODEL OPTIMASI PELAYANAN NASABAH BERDASARKAN METODE ANTRIAN (QUEUING SYSTEM) Irmayanti Hasan
Jurnal Keuangan dan Perbankan Vol 15, No 1 (2011): January 2011
Publisher : University of Merdeka Malang

Customer queuing is a common phenomenon that often happens in getting services. In an attempt to get theservice from the tellers, customers often judge the quality of bank operation system based waiting time periodor teller speed in providing services to the customers. The Islamic banks in Malang is developing rapidly, oneof the banks is PT. Bank Mega Syariah Malang needs optimization analysis of queueing system to ensurecustomers satisfactions. The bank should be able to provide the best service by providing fast service tocustomers and avoid too long waiting time. The calculation results show that customer arrival pattern is 1minute 51 seconds. As for the service pattern is 4 minutes 42 seconds. The queuing system application in PT.Bank Mega Syariah Malang is good because the teller average service time is 4 minutes 42 seconds teller andteller standard time is 3 minutes 39 seconds which the average time is smaller than the expected by thecustomer that is 5 minutes. Besides that the average time of customers wait in a queue system and total system(queuing and service facilities) is less than 1 minute 32.09 seconds.

ANALISIS KINERJA KEUANGAN DAN HARGA SAHAM PERBANKAN DI INDONESIA Januar Eko Prasetio; Ario Dananjaya
Jurnal Keuangan dan Perbankan Vol 12, No 3 (2008): September 2008
Publisher : University of Merdeka Malang

This research aimed at finding out the differences on Loan to Deposit Ratio (LDR),Return on Asset (ROA), Return on Equity (ROE), Operation Expenses to Revenues OperationRatio Capital Adequacy Ratio (CAR), and stock price between Government Banking, NationalBanking, and Foreign Banking at the Jakarta Stock Exchange (JSX). The hypothesis was analyzedby using ANOVA test. The result showed that there was not difference on Loan to DepositRatio (LDR), Return on Asset (ROA), Return on Equity (ROE), Operation Expenses to RevenuesOperation Ratio Capital Adequacy Ratio (CAR), and stock price between Government Banking,National Banking, and Foreign Banking

LIABILITAS, KAPITALISASI, DAN PROFITABILITAS TERHADAP PROBABILITAS KEBANGKRUTAN BANK Utomo, St. Dwiarso; Setiawanta, Yulita
Jurnal Keuangan dan Perbankan Vol 15, No 2 (2011): May 2011
Publisher : University of Merdeka Malang

The condition of Indonesian banking was going to collapse because of financial crisis. The impact of monetarycrisis automatically hit the banking sector. One effect of the monetary crisis in Indonesia about the end of the20th century was the collapse of a number of banks, because the banks were considered no longer feasible tocontinue the business. This research was conducted to examine the influence of NIITA, NIATTA, TETA,CDTD against bank insolvency probability. This study used a sample period of 2007 and 2008 at nationalbanking company listed at Indonesian Stock Exchange. The sampling technique in this study used purposivesampling technique, and obtained 50 companies. Regression model and overall model fit used in this studyhad the right model (at the level of significant 100%) to estimate the function of dummy variable (the probabilityof bank insolvency.) Or in other words the independent variable (NIITA, NIATTA, TETA, CDTD) jointlyhad a significant effect on the dependent variable (dummy variable bankrupt or not bankrupt although theresults showed that partially all independent variables had no significant influence.

STRATEGI CUSTOMER RELATIONSHIP MARKETING TERHADAP LOYALITAS PELANGGAN Sri Setyo Iriani
Jurnal Keuangan dan Perbankan Vol 15, No 2 (2011): May 2011
Publisher : University of Merdeka Malang

Competition in the banking industry had rapidly gave freedom to our customers in determining the choice touse their services, so if the value received was not as expected, then the customers were easy to move to anotherbank, which was considered in accordance with their wishes. Thus, banks were implementing various strategies,both offensive and defensive oriented. Defensive strategy was oriented to maintain customers by buildingrelationships with customers so that customers will be loyal to the bank. This study aimed to examine the effectof customer relationship marketing strategy on customer loyalty of BNI and BCA in East Java. Total samplewas 210 clients, 105 clients each of BNI and BCA. Data was collected using interviews and questionnaires. Theresults showed that there was influence of customer relationship marketing strategy on customer loyalty of BNIand BCA, because each customer provided high ratings on all indicators of the banks CRM strategy in whichthey saved money. Trust was the most decisive for customers in a comprehensive evaluation of the closeness ofthe relationship with the bank. Furthermore, customers of both banks showed high behavioral loyalty to eachbank.

PERCEIVED SERVICE QUALITY AND TRUST ON SATISFACTION: CUSTOMERS PERSPECTIVES IN THE BANKING SECTOR Ratna Roostika
Jurnal Keuangan dan Perbankan Vol 15, No 2 (2011): May 2011
Publisher : University of Merdeka Malang

The purpose of this study was to examine the relationship between service quality, trust and satisfaction in thebanking sector. Specifically, the dimensions of service quality were modeled to have direct influence on bothsatisfaction and trust. An empirical analysis was carried out in which the service performance scale wasadapted to the study. 160 out of 200 questionnaires were valid for data analysis. The data was obtained byusing a structured questionnaire to bank customers. Structural equations model using Partial least Squares(PLS) was applied to analyze the proposed model. The findings partly confirmed the relationship betweenservice quality dimensions on trust since tangible dimension was not significant. However, all service qualitydimensions were significant in predicting satisfaction. Practically, the findings suggest that banks couldcreate satisfaction through service quality and trust. Therefore, all staffs should establish and maintain confidencein providing service quality and building trust for customers. Theoretically, besides adding trust in theservice quality and satisfaction relationship, the study was conducted in developing countries. This willenhance the generalization of service quality measures and validate the model in the wider area.

KESEPAKATAN KELEMBAGAAN KONTRAK MUDHARABAH DALAM KERANGKA TEORI KEAGENAN Asfi Manzilati
Jurnal Keuangan dan Perbankan Vol 15, No 2 (2011): May 2011
Publisher : University of Merdeka Malang

This research aimed to know how the banker (as principals) interact with customers (as agents) in creating andenforcing a contract of mudharabah, offer an alternative arrangement of mudharabah contract resultingmudharabah rules (institutions) that benefited both parties (principal and agent). With in-depth interviews,two important findings were obtained: character of prospective clients was an important determinant of thecreation of a contract as collateral material. It should not be used as a tool to compensate investment risk,monitoring was a key to the process of contract enforcement. Based on the findings and review of relatedliterature, a design of mudharabah rules (institutions) that were expected more fair and beneficial to bothparties namely the bank / shohibul mal as the principal and client or mudharib as an agent could be developed.

PENGEMBANGAN HUMAN CAPITAL DALAM KONTEKS MODAL SOSIAL Widodo Widodo
Jurnal Keuangan dan Perbankan Vol 15, No 2 (2011): May 2011
Publisher : University of Merdeka Malang

Rural Banks/BPR have a vitality and sustainability of business if they are able to create a unique advantagethat is superior in terms of customer information and business environment surrounding besides functioningas an intermediary institution. But in Semarang credit quality is still in the high risk level that is above themaximum limit of 5%. The condition is caused by the integration of human capital and social capital that isnot optimal. Therefore, this article aims to examine the model of human capital development so that it canimprove the performance of organization within the context of social capital. Retrieval method uses purposivesampling with 120 total samples. Later analysis technique uses Structural Equation Modelling (SEM) throughthe group management data which is processed based on high and low social capital. The study shows that thecontext of high social capital moderates the structure of the equation that affects human capital on organizationalperformance

PRAKTEK QURAN-BASED HUMAN RESOURCE MANAGEMENT DI PERBANKAN SYARIAH BERDASARKAN KARAKTERISTIK BIOGRAFIS Nur Asnawi; Siswanto Siswanto; Misbahul Munir
Jurnal Keuangan dan Perbankan Vol 15, No 2 (2011): May 2011
Publisher : University of Merdeka Malang

The purpose of this study was to describe Quran-based human resource management practices in Islamicbanking according to biographical characteristics. Total respondents in this study were 52 people. Biographicalcharacteristics of respondents analyzed in this study included age, gender, marital status, number ofchildren, period of employment, and education. Data analyses used were analysis of variance (ANOVA) andIndependent sample t-test. The results of this study indicated that Quran-based human resource managementpractices had been properly implemented and not distinct according to biographical characteristics.

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