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Jurnal Keuangan dan Perbankan

jkdp
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Published by Universitas Merdeka Malang

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Core Subject : Economy,

Economics, Econometrics & Finance

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Articles 784 Documents

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FAKTOR FUNDAMENTAL MAKRO DAN SKIM BUNGA KREDIT SEBAGAI VARIABEL INTERVENING PENGARUHNYA TERHADAP KINERJA BANK Harmono Harmono
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

This study aim to analysis the effect of macroeconomic fundamental and credit interest scheme to financialperformance of conventional Bank in Indonesia. The operational of dependent variable, by using Capital AdequacyRatio, non-performing loan, net interest margin, return on assets, and loan to deposits ratio. And theothers hand,independent variable are measured by macroeconomics fundamental;i.e.Interest Rate of IndonesianCentral Bank, inflation, and exchange rate of rupiah to US$.Credit interest scheme consist of working-capitalcredit interest rate, investment credit, and interest rate of consumption credit. Sampling technique,using purposivesampling and the number of samples is conventional banks in Indonesia. Data will be analysis 2006-2010monthly. Analysis technique isstructural equation model. The discovery results showed, the macroeconomicfundamental factors have significant to bank performance and dimension of credit interest scheme have role asintervening variable in supporting macro fundamental in influencing to financial performance of conventionalbanking in Indonesia. For represented of variables have any significant in contributed to each dimension can bedescribed, for macroeconomic fundamental, all variable is significant to contribute in factor construct. For creditinterest scheme was too all of variable, and bank performance just Capital Adequacy Ratio and Return on Assets.

DETERMINASI AUDIT INTERNAL DALAM MEWUJUDKAN GOOD CORPORATE GOVERNANCE SERTA IMPLIKASINYA PADA KINERJA BANK Dedi Kusmayadi
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

The objective of the research was to find out the effect of internal audit on good corporate governance and itsimpact to performance of government bank Tasikmalaya regency. The method used in the research was censusmethod with descriptive explanatory approach. The data collecting technique used to obtain the primary datawas through interviews and by means of questionnaire. Path analysis was used to analyze the data.The resultsshowed that: the internal audit gave positive and significant effect on good corporate governance, the internalaudit and good corporate governance, partially and simultaneously gave positive and significant effect onperformance of government bank Tasikmalaya regency.

FAKTOR PENENTU KEBERHASILAN PROGRAM KREDIT USAHA RAKYAT TERHADAP PENINGKATAN AKSES PERMODALAN DI PROPINSI JAWA TIMUR Ike Kusdyah Rachmawati
Jurnal Keuangan dan Perbankan Vol 16, No 1 (2012): January 2012
Publisher : University of Merdeka Malang

This study aimed to analyze the critical success factors program peoples business credit against increasingcapital access in East Java. It used qualitative and quantitative approaches and it used descriptive analysis thatanalyzed the contribution program assistance to micro and small groups and various internal and externalconstraints, and used Analytic Hierarchy Process (AHP) to determine the priority level of the factors thataffected the Kredit Usaha Rakyat (KUR). Sample of this study was the banking, micro business, small business,business and service / technical institutions in East Java. The research was done in the 3 (three) districts whichwere Sidoarjo regency, Malang and Surabaya. Based on the results of the AHP, access to services and KURperformance could be improved by considering some factors and sub factors that influenced it, among others:candidates prospects debtor, office of technical capacity, policy and resources banking, and macro factors.Macro factors were factors that should always be monitored. The responsible party for this macro was a BIfactor as the banking authorities.

ESTIMASI DAN FAKTOR-FAKTOR YANG MEMENGARUHI EFISIENSI BANK DOMESTIK DAN ASING DI INDONESIA Fathony, Moch.
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v16i2.1063

The objective of this study was to evaluate the performance of the technical efficiency of domestic banks andforeign banks in Indonesia during the period 2008-2009 using a two-stage analysis. The first phase of testingusing the method of Data Envelopment Analysis (DEA) showed that foreign-owned banks efficiently producedhigher performance than domestic-owned banks. The second phase of testing showed that the size of the bank,the net interest margin (NIM), and non-performing loans (NPL), had a positive and significant effect on theperformance efficiency of the domestic and foreign banks. Return on assets (ROA) had a positive but notsignificant effect on the performance efficiency of domestic banks. While for foreign banks, ROA had a positiveand significant effect on performance efficiency. The capital adequacy ratio (CAR) had a positive and signifi-cant effect on the performance efficiency of domestic banks, while for foreign banks, the CAR had positive butnot significant effect on performance efficiency. Operational costs had a significant negative influence on theperformance efficiency of the domestic and foreign banks.

PERAN INTERMEDIASI SOSIAL PERBANKAN SYARIAH: INISIASI PELAYANAN KEUANGAN BAGI MASYARAKAT MISKIN Muhammad Syafii Antonio; Hilman Fauzi Nugraha
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Syariah banking was getting criticisms because it was not able to do its reality as the Islamic value manifestationwhich could be felt by people. These criticisms at least could be related to some indicators like contractdomination of non-profit sharing (murabahah) on syariah banking practice which could only be enjoyed by upmiddle class people, or like syariah banking still did not have innovative product which could touch poorsociety. This paper discussed and explored the possibility of social intermediation role which could be done bysyariah banking more than what financial intermediation role could do to answer inconvenient news andstigma which stated that syariah banking was not pro poor people. Based on literature study and discussion,the role of social intermediation using social fund suitable with Islamic perspective namely zakat, infaq,shadaqah, wakaf, and hibah (ZISWAH) could be applied to become the product or syariah banking addedpolicy in serving poor society through some strategies. They were (1) through special enterprise unit (UUK) ofsocial intermediation and (2) cooperation through LKMS special for poor society.

TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH Muchlis Yahya
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

banking. Shariah banking customers were divided into Moslem customers that only saved money at shariahbank (n1), Moslem customers that saved money both in shariah and conventional banks (n2), non-Moslemcustomers (n3). This study used primary data through questionnaires distributed to 400 people gotten from295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model.For groups of customers n2 and n3, the interest rate had a significant negative effect on the commitment toinvest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developedrelationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customershad rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showedthat shariah banking customers were dominated by customers that had rational-economic character. The openingof disagreement about the bank interest which was not usury and which was supported by only some socioreligiousorganizations like NU and Muhammadiyah could be an important factor the growth of Islamicbanking.

PENGARUH MEKANISME CORPORATE GOVERNANCE TERHADAP KINERJA PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA Endri, Endri
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v16i2.1067

The objective of this study was to examines the relationship among ownership structure, the proportion ofindependent commissioner board and syariah banking performance. This study employed a stepwise regressionmethod to test the hypothesis that ownership structure and the proportion of independent commissionerboard affected finance performance of syariah bankingpositively. The result of analysis showed that there wasno significant relationship between managerial and domestic institutional ownership and bank syariah performance.But there was a significant positive relationship between foreign institution ownership and return onasset, and also between the percentage of independent board director and return on equity.

KINERJA KEUANGAN BANK DAN STABILITAS MAKROEKONOMI TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA Imam Mukhlis
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

This paper investigated the determinants of the profitability of syaria banking in Indonesia for 2008-2010.The objects were Bank Muamalat, Bank Mega Syariah, Bank BNI Syariah, Bank BRI Syariah, and BankSyariah Mandiri. The profitability of syaria bank as dependent variable was measured by ratio of the net profitto total asset of the syaria bank. Meanwhile, the independent variabels were Capital Adequacy Ratio (CAR),Finance to deposit Ratio (FDR), Non Performing Finance (NPF), Inflation (INF) and Economic Growth (GR).The method used to analyze in this research was panel data. The result of analysis was that CAR variable hadnegative and significant effect to profitability of syaria banking in Indonesia for 2008-2010. Besides economicgrowth variable had positive and signficant effect to profitability of syaria banking in Indonesia for 2008-2010. The existence of economic growth effect to banking profitability showed that there was theory of growththat led to finance in Indonesian economy.

PERKEMBANGAN PERBANKAN DAN PROBLEM INTERMEDIASI Abdul Manap Pulungan; Ahmad Erani Yustika
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

After economy crisis in 1997/1998, gradually banking intermediation had held its function again although untilnow it was still far from what it was hoped. Some banks had already fulfilled the regulation of Indonesia Bank togive credit more than 78% (LDR), but there were still many banks that had not fulfilled the regulation. Thefactors of high interest rate, banking efficiency, and economy infrastructure availability were considered as thefactors that impeded the banking intermediation function. Not all those problems belonged to Indonesia Bank.However, some of them were the homework for government (like economy infrastructure supplying). Thus,cooperation between Indonesia Bank and government was something that had to be done to finish the problem.Besides, there were other problems that needed to be paid attention in bank performance that was gradually better.They were: (1) banking credit which was farther from real sector (agriculture and industry); (2) credit which wasnot evenly distributed in all areas (3) savings dominated by short term fund; (4) banking structure which tendedoligopoly; and (5) most savings or fixed deposits which were dominated by few account owners.

KINERJA INTELLECTUAL CAPITAL PERBANKAN INDONESIA: PENERAPAN MODEL PULIC DAN ANALISIS PANEL DATA Yenny Sugiarti
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

This paper investigated the performance of intellectual capital of Indonesian banking industry for the period2007-2009. It sought to measure the Value Added Intellectual Coefficient (VAICTM) and to analyze the performanceof Indonesian banks. The Pulic model is utilized to estimate the intellectual capital coefficient, and thepanel data regression was applied to test the impacts of human capital and physical capital on intellectualcapital. The results of Pulic model showed that there were increasing number of top performance banks duringthe period of study, rising from 2 banks in 2007 to 4 banks in 2009. There was a slight decrease in the badperformance banks, from 9 banks in 2007 to 8 banks in 2009. Bank Mandiri bank appeared to be the onlygovernment bank that was classified as the top performer during the period of study, while Bank PAN Indonesia,Bank Victoria, and Bank Himpunan Saudara 1906 emerge to be the top performers among the privatebanks. The findings from panel data regression suggested that both human capital and physical capital hadpositive significant impacts on intellectual capital. When the estimation was done toward human capital andphysical capital separately, the results were closely similar to the results in the original model.

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