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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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VARIABEL INTERNAL DAN EKSTERNAL TERHADAP KINERJA KEUANGAN DAN NILAI PERUSAHAAN SEKTOR PERBANKAN Harry Patuan Panjaitan
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

This research aimed at analyzing and testing the effect of the internal variable and external variable tofinancial performance and corporate value. This study used quantitative and qualitative methods. The resultsof this study were as follows: (1) market concentration, interest rate, and banking penetration variable whichpotentially created high financial performance; exchange rate having a high power to push financial performance.(2) Capital, liquidity and composition of low interest fund having high power to improve financialperformance; asset productivity and total asset that did not have an impact to financial performance; employeeproductivity and efficiency that had an impact to financial performance. (3) Financial performance that hadnot been capable to improve corporate value. (4) concentration variable which had not been capable of improvingcorporate value; exchange rate, interest rate, and banking penetration which had an impact to corporatevalue. (5) capital, liquidity, productivity of asset, total asset, efficiency and quality of credit variable whichwere potentially to improve corporate value; composition of low interest fund having a high power to pushcorporate value; productivity of employee having a great power to improve corporate value.

PERSEPSI TERHADAP DUKUNGAN ORGANISASI DAN PENYELIA, KEPUASAN, NILAI, DAN KOMITMEN PADA INDUSTRI PERBANKAN INDONESIA D. Wahyu Ariani
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Perceived support and values similarity had an effect on organizational behavior outputs such as organizationalcommitment and job satisfaction. Perceived support comprised perceived organizational support andperceived supervisor support. Perceived supervisor support influenced perceived organizational support.This study examined the relationship between perceived organizational supports (POS), perceived supervisorsupport (PSS), values similarities, job satisfaction, and affective organizational commitment. This study usedsocial exchange theory, psychological contract theory, organizational support theory, social identity theory,and norm of reciprocity to develop the model. We used Structural Equation Modeling (SEM) sample consistingof 392 individuals from banking industry. Consistent with prior literature, our hypothesized modelconfirmed that values similarity was a predictor of PSS and POS, and PSS was a predictor of POS. Thefindings indicated that as employees perception of organizational support increase, their affective organizationalcommitment and job satisfaction significantly increase.

DIVERSIFIKASI KREDIT TERHADAP PROFITABILITAS DAN PROBABILITAS KEGAGALAN BANK Ari Christianti
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Loan diversification in the banking industry was an interesting topic to be studied. Unlike previous research,this study not only examined the effect of loan diversification on profitability but also on the probability ofdefault. Using panel data from banks listed on Indonesia Stock Exchange in 2004-2008 with FEM (fixed effectmodel) approach and weighting: cross section weight procedures, the results supported previous research thata high risk decreased the relationship between the diversification of loan and the profitability. However, therelationship between the diversification of loan and a probability of default decreased even when a high risk.The arguments for explaining this finding was that the probability of default was not an absolute measurementthat described an actual probability of default. In addition, this invention in banking practices related with thewrite-off action that could minimize the credit risk (NPL) so that the probability of default decreased especiallyfor private banks.

STRUKTUR PERBANKAN INDONESIA: KAJIAN PEMENUHAN PILAR 1- TIER1 PADA PERBANKAN NASIONAL Sri Haryati
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

It was stipulated by Bank Indonesia regulation that the banks must have a minimum core capital of Rp 100billion by the end of 2010. However, until the mid year of 2010, there were a small number of banks that hadsuch minimum core capital which was less than Rp100 billion. This research attempted to determine theinfluence of the internal factors (financial performance) as well as the external factors such as asset qualitytowards the core capital in the national banking industries. The subjects of this study were all national banks,in which the secondary data used were published financial statements based on the observation during the sixyear-period: 2004 -2009. The analysis techniques used were rotated Factor Analysis and Ordinal LogisticRegression. The results showed that of the 21 variables, 19 variables were formed as the factors, with a loadingfactor 1. The result of logistic regression analysis showed that 11 variables had a significant influencetowards the probability of compliance with core capital such as APB, ROE, NIM, BOPO, FBIR, CPR, ABP, BIRate, INFL and VER. Therefore these ratios could be used as a reference banks to improve or to maintain the corecapital (tier 1).

STRATEGI ADAPTIF BANK PERKREDITAN RAKYAT DALAM MENGHADAPI EKSPANSI KREDIT UMKM BANK UMUM DI MALANG Sari Yuniarti
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

The competition of giving credit small and medium enterprises (SMEs) was tighter. After global finance crisis, private banks and BUMN banks fought for living fund to customers. This activity was done by BPR. For this reason, BPR had to have an adaptive strategy to adapt to the changes happened, which was considered unbeneficial because there was an expansion public banks which offered SMEs credit. This research aimed at knowing how adaptive strategy done by BPR in facing credit expansion of SMEs done by public banks in Malang. The data used was primary data taken from questionnaire and interview to BPR. By using qualitative descriptive analysis technique, it could be known that BPR needed giving protection through guarantee pattern so that it could develop SMEs to become feasible and bankable SMEs, strengthen BPR industry infrastructure, strengthen network inter micro finance institution and between BPR and LKM, and establish a mutual and solid partnership which became the strong point of BPR compared with public banks.

PEMBIAYAAN PRINSIP BAGI HASIL, PRINSIP JUAL BELI DAN PRINSIP SEWA TERHADAP FALAH LABA Whedy Prasetyo
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Each business or individual was inseparable with the need of fund to finance the industry or to do consumption.Financing could be very crucial because this financing factor was as the key of development of BankUmum Syariah (BUS) in the future. Ideally, BUS financing was dominated by principle of profit-sharingfinancing, principle of sell-buy financing and principle of lease financing where those financings were heldusing bargaining agreement and profit-sharing which had to be agreed by syariah principle. This researchexamined the effect of information content on principle of profit-sharing financing, principle of sell-buyfinancing and principle of lease financing to earning falah of BUS. These samples used purposive samplingmethod in BUS that releasing financial statements between 2004 and 2009 in which they were not loss. Datawas collected from BUS website and Indonesia Bank. The result of this research used multiple regressionanalysis to structural equation modelling (SEM) by using alternative method partial least square (PLS). Itshowed that two variables namely principle of profit-sharing financing and principle of sell-buy financinghad positive significant effect to earning falah of BUS.

PELAKSANAAN DAN SISTEM BAGI HASIL PEMBIAYAAN Al-MUDHARABAH PADA BANK SYARIAH Erni Susana; Annisa Prasetyanti
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Al-Mudharabah finance distribution was given to all economy sectors which could give profit and forbiddistribution for the business which was illegal. Al-Mudharabah financing was distributed for the business offarming, trading, construction, and other service businesses. The aim of this article was to know the realizationand application of Al-Mudharabah finance profit sharing system at PT. Bank Muamalat Indonesia Tbk,branch of Malang, realization of al-mudharaba financing and profit sharing system at Bank Muamalat Indonesia,branch of Malang. The realization of al-mudharabah financing and profit sharing system at BankMuamalat Indonesia, branch of Malang was right and suitable with financing analysis based on the principleof syariah.

EVALUASI KUALITAS FUNGSI INTERNAL AUDITOR DALAM MENINGKATKAN EFEKTIVITAS BANK Sihwahjoeni Sihwahjoeni
Jurnal Keuangan dan Perbankan Vol 15, No 3 (2011): September 2011
Publisher : University of Merdeka Malang

Internal auditor was a part that could not be separated from audit internal department. Internal auditor was theside considered having independency and high objectivity so it was expected to perform its task without pressurefrom anywhere. As the independent side, internal auditor was easier to see marks deviations done by managementparty related to their job result and the things related to internal control. Internal auditor had to be able maximallyto give the contribution for the increase and bank development. This research evaluated the internal auditorfunction implementation on banks, analyzed the contribution form given by internal auditor to a bank, anddescribed the bank trick to increase internal auditor quality to be able to give contribution to a bank. Frequentanalysis technique in this research was structural equation modelling (SEM) operated through AMOS 16 program.Based on analysis result, it showed that objectivity, performance and audit job, result communication, andaim, authority and accountability had a significant effect to a bank effectiveness, while independency, scope andinternal audit, profession efficiency, follow-up, and plan and operation did not have a significant effect towardbank effectiveness.

KEPEMILIKAN BANK DAN KEPATUHAN REGULASI TERHADAP RISIKO PERBANKAN YANG DIMODERASI OLEH CHARTER VALUE Taswan Taswan
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

This papers first issue concerned the influence of bank ownership on the risk, the effect of regulation on thelevel of risk, and the effect of charter value on risk. Ownership relations to regulatory compliance on risk weremoderated by the charter value. By using a sample of commercial banks operating in Indonesia, and performedtesting with the MMR model, the result obtained was that domestic private ownership, foreign ownership andownership concentration had significantly positive effect on the risk. Each relationship was moderated by thecharter value. Charter values negatively affected the level of risk. This finding was consistent with theentrenchment argument. While regulatory compliance negatively affected the risk, but not moderated by thecharter value. Regulatory influence on the risk of convergence was consistent with the argument.

PERCEPATAN ADOPSI SISTEM TRANSAKSI TEKNOLOGI INFORMASI UNTUK MENINGKATKAN AKSESIBILITAS LAYANAN JASA PERBANKAN Ikaputera Waspada
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

E-money had potential as an effective transaction payment tool especially for micro transactions, but publicadoption level was relatively low. The research object was to find the factors that influenced the acceptance levelof e-Money in customer and business user, to develop an acceleration of adoption strategy of e-Money in thepublic. The research methods used in this research were Descriptive and Verificative methods. The respondentsconsisted of customer and business user in Bandung. The sample was chosen purposively. The respondentsfrom business user shown that e-money performance which considered good was transaction speed, easiness toturn into cash, operational easiness and low transaction cost.

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