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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

46 47 48 49 50

CORPORATE SOCIAL RESPONSIBILITY DAN KINERJA PERBANKAN DI INDONESIA Bestari Dwi Handayani
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

The focus of this research was on corporate banking sector. Based on the background, the problem in this studywas the influence of CSR parameters (community, employment, product and consumer, and environment)toward return on assets as the proxy of banking performance. This study used multiple regression analysis todetermine the influence of CSR parameters (community, employment, product and consumer, and environment)toward the Return on Assets in the banking sector companies listed in Indonesia Stock Exchange. Theresults showed CSR community and CSR employment had positive and significant impact toward ROA,while CSR environment had negative impact and it was not significant to ROA. This study could not explainthe influence of CSR and Consumer Product toward ROA.

E-SERVICE QUALITY TERHADAP KEPUASAN DAN LOYALITAS PELANGGAN DALAM PENGGUNAAN INTERNET BANKING Ni Made Savitri Anggraeni; Ni Nyoman Kerti Yasa
Jurnal Keuangan dan Perbankan Vol 16, No 2 (2012): May 2012
Publisher : University of Merdeka Malang

Banking industry had developed rapidly. It caused the competition and increasing the number of customersbecame difficult. An optimal e-service quality expected to meet the expectations of customers, so the companywas able to win the market competition and it would eventually bring the maximum profit. The objective of thisresearch was to know the effect of e-service quality towards customer satisfaction and loyalty in using internetbanking of Commonwealth Bank Seminyak Bali Branch. Respondents of this research were customers whoused internet banking at least twice a month in the last three years. The number of respondents on this researchdefined 200 respondents by using sampling technique namely purposive sampling. This research used analysisof Structural Equation. The result of this research showed that the hypothesis put forward entirely acceptable:e-service quality had positive and significant impact on satisfaction, e-service quality had positive andsignificant impact on loyalty, satisfaction had positive and significant impact on customer loyalty in usinginternet banking. Managerial implication of this research was that management should evaluate and fix theperformance of e-service quality in particularly web design quality and assurance that had been implementedto minimize customers complaint and to increase the customers satisfaction and loyalty.

KETERKAITAN INSIDER OWNERSHIP DAN PREDIKSI KINERJA PERBANKAN DI BURSA EFEK INDONESIA Sahala Manalu; Norman Sitinjak
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

Insider ownership in banking business had two different roles, namely as both owner and manager of thebusiness at the same time. As managers, they were given the right of bank ownership in the hope of improvingbanking performance. With insider ownership, managers had greater rights to make decisions and also had abroader responsibility for decisions taken as they now shared the business risks. They also had greater controlover the banks where they worked, such that they had access to strengthen their position in their respectivebanks. Explanatory variables used in this study was insider ownership, while the dependent variable consistedof the CAR (Capital Adequacy Ratio), ROA (Return on Asset), BOPO (compared to Operating Income OperatingExpenses), and the ratio NPLgross (Non-Performing Loans gross). Using a statistical method PLS(Partial Least Square), the results showed that insider ownership could predict the performance of banks interms BOPO and NPLgross, but could not predict the CAR and ROA.

Jurusan Manajemen Fakultas Ekonomi Universitas Mataram JL. Majapahit No.62, Mataram, Nusa Tenggara Barat, 83125 Putra, I Nyoman Nugraha Ardana
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : UNIVERSITY OF MERDEKA MALANG

This study aimed to examine and to explain the influence of managerial ownership and credit risks towardagency costs and performance. The study was also intended to enrich the empirical evidence of agency theory infinancial management of the Microfinance Institutions (MFIs), especially managerial ownership of society creditbank (BPR) in West Nusa Tenggara province. Secondary data used was derived from financial statements andprimary data obtained from interviews with the director of bank samples. Partial Least Square technique Programs(PLS) was applied to test the research model in term of variables relationship structure in quantitativemethods The results. The results showed that managerial ownership had a positive influence on credit risks andalso had a positive impact on agency costs. In addition to managerial ownership and agency costs, this researchfound that there was a negative effect of company performance.

KEUNGGULAN SISTEM KEUANGAN BERBASIS BAGI HASIL DAN IMPLIKASINYA PADA DISTRIBUSI PENDAPATAN Iman Sugema; Toni Bakhtiar; Jaenal Effendi
Jurnal Keuangan dan Perbankan Vol 13, No 3 (2009): September 2009
Publisher : University of Merdeka Malang

In this paper we attempted to answer a fundamental question whether banking systembased on a profi t-loss sharing (PLS) could improve welfare than an interest based banking system bydeveloping a rigorous theoretical modeling. In the framework of production technology we fi rstlyshowed that under production certainty and competitive market both PLS and interest based systemswere effi cient and right. However, under an uncertain situation due to a productivity shock,we proved that only the PLS system was right. We verifi ed our result by quantifying the effects onincome distribution for both lender and borrower. Two indicators, namely the standard error of distributionand Gini ratio were considered. We showed that the conventional credit market led to aserious income distribution problem where lenders did not enjoy the variability in income and didnot bear any risk, but in contrast, borrowers bore all the risk. On the other side, PLS system sharedthe risk between lenders and borrowers. In the end of the analysis, we proposed an instrument thatwould improve the performance of a PLS system from lenders perspective by introducing a so-calledrisk pooling mechanism.

PERAN BANK SENTRAL DALAM STABILITAS SISTEM KEUANGAN (SSK) DAN IMPLEMENTASI JARING PENGAMAN SEKTOR KEUANGAN (JPSK) Suhartono Suhartono
Jurnal Keuangan dan Perbankan Vol 13, No 3 (2009): September 2009
Publisher : University of Merdeka Malang

The Government and Bank Indonesia developed a framework for the Draft Law on theFinancial System Safety Net. The framework clearly specifi ed the tasks and responsibilities of the relevantinstitutions involved in the operation of the Safety Net. In principle, the Ministry of Finance wasresponsible for drafting legislation for the fi nancial sector and providing funds for crisis resolution.BI, the central bank, was responsible for safeguarding monetary stability, maintaining a sound bankingsystem and ensuring the secure and robust operation of the payment system. The DIC (DepositInsurance Corporation), on the other hand, had responsibility for guaranteeing bank customer depositsand resolution of problem banks. The Financial System Safety Net framework was set out in theDraft Law on the Financial System Safety Net, which was currently undergoing a consultation process.In this way, the Financial System Safety Net Law would provide a strong foundation for the fi nancialsystem stability policies and regulations to be established by the relevant authorities. The Draft Lawspecifi ed all components of the FSSN: (1) effective bank regulation and supervision; (2) lender of lastresort; (3) adequate deposit insurance scheme; and (4) effective mechanism for resolution of crisis.

KARAKTERISTIK INDIVIDU DAN LINGKUNGAN KERJA TERHADAP PRESTASI KERJA KARYAWAN BANK SYARIAH Erni Susana
Jurnal Keuangan dan Perbankan Vol 13, No 3 (2009): September 2009
Publisher : University of Merdeka Malang

Individual characteristic and working environment would effect the achievement, while theindividual working achievement was the basic of organization working achievement. Managementneeded to pay attention on the individual characteristic and saw the working environment whichwas safe and promising organization so that employees or individual could work well in supportingemployees working achievement. The objective of this research was to prove the effect of individualcharacteristic and working environment to the employees working achievement. The method usedwas double regession analysis. The result showed that F test was 66,147 while Sig. = 0,000 = 0,05. Itmeant that individual characteristic variable and working simultaneously had signifi cant effect to thevariable of employees working achievement. The determinant coeffi cient result was 0,831. It meantthe effect of individual characteristic and working environment to the employees working achievementwas 0,831 or 83,1% while the rest was 0,169 or 16,9%. It was infl uenced by another variableout of the examined variable.

KINERJA BANK DENGAN RASIO CAMEL TERHADAP PRAKTIK MANAJEMEN LABA Wattimena, Fransina
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : UNIVERSITY OF MERDEKA MALANG

This study aimed to measure the performance of the bank by using camel ratio to earnings managementpractices. This research objects used cluster danamon bank ambon total of 14 samples of banks consisting of 2banks conventional danamon and 12 savings and loan business unit danamon using data for 2006-2011. Theresults of studies using T test showed that there had no significant effect between the performance of the bankto the practice of earnings management measured using discretionary accruals in Danamon banks. The resultby using multiple regression analysis showed that there was a significant negative impact on earnings managementpractices. Thus cluster ambon danamon bank had to use earnings management practices.

KOMPLEKSITAS LINGKUNGAN DAN REGULASI PEMERINTAH: IMPLIKASINYA TERHADAP KINERJA PERBANKAN DI JAWA TIMUR Sabihaini, Sabihaini; Hadiwidjojo, Djumilah; Djumahir, Djumahir; Rahayu, Mintarti
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

This research was designed to describe the causal relationships between environmental complexity, governmentregulation, diversification levels, and performance. This research was conducted toward banking industryin East Java, in which the research samples were the top ten (10) well performed national commercial banks.The analysis was performed using Structural Equation Modeling (SEM). The research shows that: (1) thehigher environmental complexity level, the diversification made by the bank toward its major function wasgetting further or business activities of the bank was tend to be fee-based income activities and in fact increasebanks performance; (2) banking industry were encouraged to focus on its major function as intermediarycorporation due to intense support of government and reserve bank of Indonesia. However, the banking performancewas getting lower if the support of government and reserve bank of Indonesia on the main function of thebank (credit distribution) was getting higher. This investigation suggest that control system was needed inorder to increase the main function of the bank without increasing its risks.

MODEL LOYALITAS PELANGGAN PADA PERBANKAN MIKRO: PERCEIVED RISK SEBAGAI VARIABEL MODERASI Suliyanto Suliyanto; Pramono Hari Adi; Eling Purwanto Jati
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

The purpose of this study was to analyze the effect of relationship marketing on customer satisfaction andswitching cost, to analyze the effect of cutomer satisfaction, relationship marketing and switching cost on customerloyalty, and to analyze percieved risk as a moderation variable on causal relationship between cutomersatisfaction, relationship marketing and switching cost on customer loyalty. The samples were mikro bankingconsumers in Banyumas, Cilacap, Purbalingga and Banjarnegara. The sample size in this study were 120respondents. Sampling was done by purposive sampling method. Analytical tool used were the sub-group regressionanalysis and Chow test.The results of this study were that relationship marketing had positive effect oncustomer satisfaction and switching cost, cutomer satisfaction, relationship marketing and switching cost hadpositive effect on customer loyalty and, percieved risk moderated the relationship between cutomer satisfaction,relationship marketing and switching cost on customer loyalty.

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