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Jurnal Keuangan dan Perbankan

jkdp
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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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SOSIALISASI DAN PERSEPSI BANK SYARIAH (KAJIAN KEBIJAKAN ENKULTURASI NILAI-NILAI BANK SYARIAH DALAM MASYARAKAT) Sadhana, Kridawati
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

The name of someone, something, institution had a certain meaning. A meaning depended so much on someonesperception to an object. Perception of society to Sharia Bank had an impact to society behavior toward ShariaBank. There was a gap here between bank and society which had to be acted as a bridge through policy andsocialization program. Socialization policy which was planned, adaptive, and interesting could minimize themisperception risk. Socially, sosialization program was the enculturization of sharia bank values process, andit was understood as the form of civil education.

FAKTOR-FAKTOR YANG MEMENGARUHI MUTU LAYANAN DENGAN TINGKAH LAKU NASABAH Umbas Krisnanto
Jurnal Keuangan dan Perbankan Vol 16, No 3 (2012): September 2012
Publisher : University of Merdeka Malang

This study was to determine the effect of independent variables quality of service to the dependent variablecustomers behavior. The survey used questionnaires to bank customers. All questionnaires were declared validand reliable. Research idea came from Petridou (2007) and Olorunniwo Hsu (2006) using factor analysisand had variables/dimensions, while Ndubisi (2003) using variables/dimensions was used by Zeithaml (1996).It used regression analysis to compare the quality of service and customer behavior. Conclusions on thedescriptive analysis of respondents stated that the response to the questionnaire on two variables was in therange of excellent category. Factor analysis could not classify variables in shaping a factor. Analysis ofdetermination stated there was a strong and positive relationship between the quality of service and thecustomers behavior amounted to 46.1%. The hypothesis stated that there was relationship in quality of serviceand customer behavior. This research found the value of the variable/dimension was not counted in previousstudies. Suggestions for the bank in the future was enhancing the accuracy and happy to help our customers,and needed to pay attention to social changes. Further research was to find the highest the correlation and morerespondents.

The Effect of Internal and External Factors of Banking to the SMEs Financing for BPRS in Indonesia Jaenal Effendi; Nurkholis Yasmin
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Small and Medium Enterprises had a strategic role in economic growth. One of the main problems faced by SMEs in Indonesia was the limited financial capital and access to finance. Islamic Rural Banks (BPRS) could play a significant role in providing financing for the development of the real sector through SMEs. This study aimed to analyze the influence of internal and external factors of banking to the SMEs financing for BPRS in Indonesia 2011-2016 periods using the Vector Error Correction Model (VECM) method. In the long-term of VECM estimation result showed that third-party funds, FDR, inflation, and IPI had a significant positive effect on SMEs financing, while BOPO, NPF, ERP, and BSBIS variables negatively affected SMEs financing. This study recommended the importance of increasing the proportion of SMEs financing in line with the increase in the number of third-party funds and putting more funds in the real sector than in the monetary sector.DOI: https://doi.org/10.26905/jkdp.v21i3.1221

MEKANISME CORPORATE GOVERNANCE, ENTERPRISE RISK MANAGEMENT, DAN NILAI PERUSAHAAN PERBANKAN Bestari Dwi Handayani
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

The purpose of this study was to examine corporate governance mechanism. This study also examines the effect of mediation of ERM on relationships corporate governance mechanism and the value of the company. The population of this research is financial sector companies listed on the Indonesia Stock Exchange. Sample selection using purposive sampling. This study uses path analysis in hypothesis testing and Sobel test for testing mediation ERM. The results of this study indicate that there is significant influence between corporate governance mechanisms (managerial ownership, institutional ownership, independent commissioner and audit committee) with the value of the company. This study provides evidence that ERM mediating influence between institutional ownership, independent directors and audit committee with the company's value, but not significant in mediating the effect of managerial ownership.

RELATIONSHIP BETWEEN MACROECONOMIC FUNDAMENTALS, BANK’S CREDIT SCHEME, FIRM’S PERFORMANCE AND FIRM’S VALUE DIMENSIONS Harmono Harmono
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

This study investigated the relationship among macroeconomic fundamentals, bank’s credit scheme, firm’s performance, and firm’s value dimensions. The research design was explanatory research, using a structural equation model. The sample is PT. Bank Persero industry in Indonesia from 1999-2014 monthly. Empirically, based on confirmatory test it could be described that the variables represented for each dimension were that the dominant variable in macroeconomic was currency exchange rate IDR to USD, and working capital interest rate represented the bank credit interest scheme dimension, ROA was dominant for firm’s performance, and the frequency of stock trading was representing the firm’s value dimension. For the next, based on a structural equation model with a regression coefficient, path analysis could be discussed as follows. First, the working capital credit interest rate was as weak mediation variable between exchange rate IDR to USD and ROA. Second, working capital credit interest rate influenced the frequency of stock trading through ROA. In this case, ROA was a strong mediation variable. The last path analyzed the influence of exchange rate IDR against USD to the frequency of stock trading through ROA. Here ROA was the strong mediation variable.

SISTEM PENGENDALIAN RISIKO OPERASIONAL PADA BANK PERKREDITAN RAKYAT DENGAN PENDEKATAN INDIKATOR DASAR Sunarjo, Sunarjo; Yuniarti, Sari
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

BPR as the micro financial medium institution was seen as one of the translation media and risk transformation. The ability of BPR in managing risk became attention along with the increase of volume and the business operational complexity, including bank operational risks like fraud caused by people, system, or external condition. If there was no controlling, it would create loss potency for BPR itself. This research aimed to measure the loss effect because of operational risk and to identify the system of operational risk control using basic indicator approach. The population of this research was all BPR in Malang, namely 39 banks. The samples used were 20 banks. Data collection method used was observation and documentation. The research result showed that operational risk events were divided into 4 quadrants, namely Low Frequency/High Impact, High Frequency/High Impact, Low Frequency/Low Impact, and High Frequency/Low Impact. The quadrants division resulted in information related to how the operational risk would be managed. The total capital charge of all BPR in Malang was IDR.4.085.114.000,00. It indicated that the total capital charge used was to anticipate the operational risk.

HOW READY ARE PEOPLE FOR CASHLESS SOCIETY? Irwan Trinugroho; Hunik Sri Runing Sawitri; Muh Juan Suam Toro; Siti Khoiriyah; Arief Budi Santoso
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

Financial technology could be an effective tool to achieve financial inclusion. However, it neededa certain level of readiness of society. In this paper, we investigated the determinants of readinessin the implementation of digital financial services which led to cashless society. We did a surveyon 993 adults in a province in Indonesia using proportional sampling technique. Estimated usingordinary least square, our empirical results showed that readiness perception had high correlationwith the quality of supporting infrastructure. By taking into account some demographic factors,we found that more educated and younger people had high spirit to adopt this system. Evidenceshowed that men were more enthusiastic in using such technological-based system. However, wedid not find an evidence on the difference of readiness perception between those living in rural andthose living urban areas.

DAMPAK PROFITABILITAS, ALIRAN KAS BEBAS, DAN KESEMPATAN INVESTASI TERHADAP PEMBAYARAN DIVIDEN PERUSAHAAN PERBANKAN Salvatore Wika Lingga Pradana; I Putu Sugiartha Sanjaya
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

This study aimed to identify and analyze the factors that affected paid dividend proxies by Dividend Payout Ratio (DPR) on the banking companies listed in Indonesia Stock Exchange (IDX). Multiple regression was a model of analysis that was used by the researchers to examine several variables which might affect the dividend payout ratio such as profitability, free cash flow, and investment opportunity set as independent variables, as well as firm size as a control variable. The samples in this study were 29 conventional banks that were listed in the Indonesia Stock Exchange (IDX). The result showed that the independent variable profitability (ROA) had a significant and positive effect on the dividend payout ratio while the free cash flow variable and the investment opportunity set did not affect the dividend payout ratio. Control variables firm size had a significant and negative effect on the dividend payout ratio.

RESPON INVESTOR TERHADAP PENGUMUMAN LABA INDUSTRI PERBANKAN YANG MENGHADAPI KOS STICKINESS Windyastuti Windyastuti; Kunti Sunaryo; Sri Hastuti
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

This study aimed to analyze the response of investors to the announcement of the financial statements of the banking sector. The population in this study was the banking industry. This study used purposive sampling method. Based on sampling techniques the number of samples in this study was 11 banks. The research period was 2002-2014. The analysis technique used was panel data regression. The result showed that investor response to the financial statements of banks which faced cost stickiness was weak. The increase of cost stickiness on the banking sector led the weak investor response to the announcement of the financial statements of banks. In the banking companies facing cost stickiness problem, earnings prediction accuracy reduced. This causes the income statement would provide information that was less important to the earnings prediction in the next periods.

PENGUKURAN KESEHATAN BANK SYARIAH DENGAN SHARIA COMPLIENCE AND PERFORMANCE Sutrisno Sutrisno
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

The purpose of this study was to measure the health of Islamic banks which were not only based on the financial performance (CAMEL), but also included the performance of sharia. The financial performance was measured by the Capital Adequacy Ratio (CAR), asset quality (NPL), earning Ability (ROA), and liquidity sufficiency (FDR) while sharia performance was measured by education and training grants, profit sharing ratio, zakah ratio, and Islamic investments ratio. The population in this study were all Islamic banks in Indonesia namely 13 Islamic banks. Furthermore, there were eleven samples of the Islamic banks. It was because there were 2 Islamic banks which were not included in the samples because they officially opened in 2014, so the data had not completed yet. The data in this research was secondary data drawn from the annual financial statements of Islamic banks which had been published. The result showed the contradiction that was banks had high sharia performance, but they had low financial performance.

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