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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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LOYALITAS NASABAH DAN KINERJA PERBANKAN DI INDONESIA Nurul Aisyah Rachmawati; Lindawati Gani; Hilda Rossieta
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

The purpose of this study was to investigate the impact of customer loyalty on firm performance in the banking industry in Indonesia. This study used a sample of banking firms listed on the Indonesian Stock Exchange. The data was processed and analyzed by Partial Least Square (PLS). We hypothesized that firm’s financial performance, market performance, and non-financial performance were positively affected by customer loyalty. The results provided evidence which was consistent with the hypothesis. It showed that customer loyalty provided incremental information to the firm’s performance that consisted of financial performance, market performance, and non-financial performance.

KUALITAS PRODUK DAN KUALITAS LAYANAN TERHADAP KEPUASAN DAN LOYALITAS NASABAH Kharisma Nawang Sigit; Euis Soliha
Jurnal Keuangan dan Perbankan Vol 21, No 1 (2017): January 2017
Publisher : University of Merdeka Malang

This study described the effect of product quality and service quality on customer satisfaction and loyalty. The population in this study was the customers of Kredit Usaha Rakyat at BRI Warungasem. The sampling method used in this research was purposive sampling. The samples in this study were 100 customers in People's Business Credit (Kredit Usaha Rakyat) BRI Batang Branch Unit Warungasem who had already taken at least two-time KUR credits. The instrument of answers measurement used was a Likert scale 1-7 alternative answers. The testing instrument used was validity and reliability, and testing the model used was the coefficient of determination and F test (goodness of fit). Testing the hypothesis in this study used t-test. Variables used in the study were product quality, service quality, customer satisfaction, and loyalty. The results showed that there was an effect on product quality and customer satisfaction. Service quality affected customer satisfaction. Product quality affects customer loyalty. The quality of service had an effect on customer loyalty. Customer satisfaction had an effect on customer loyalty.JEL Classification: G21, M21, M31

Households, Financial Distress, and Predatory Lending: An Experimental Study Irwan Trinugroho; Ariyanto Adhi Nugroho; Harmadi Harmadi; Joko Suyono; Muh Juan Suam Toro
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

A substantial part of households and micro enterprises, particularly in developing countries including Indonesia, did not have access to formal financial institutions which then lead them to borrow money from illegal loan providers. Using an experimental study, we tested whether predatory loan, an illegal short-term loan with high-interest rate, was preferable or not by comparing with pawnshop loan, bank loan and household’s limited saving when households confront with financial distress. We divided the participants into three groups: lower low, low, and upper low income. We found that predatory loan was preferable especially for the lower low and low-income group. Result also confirmed that even if the predatory loan charge was increased, the lower low- and low-income groups still prefer to ease their financial distress through predatory loans. Moreover, the longer the duration of the predatory loan, the higher its probability to be chosen as a funding source in times of household financial distress.DOI: https://doi.org/10.26905/jkdp.v21i3.1261

The Role of Corporate Governance and Risk Management on Banking Financial Performance in Indonesia Mohamad Bastomi; Ubud Salim; Siti Aisjah
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v21i4.1285

This research aimed to examine the effect of corporate governance on financial performance on bank listed on the Indonesia Stock Exchange (IDX) period 2011-2015, either directly or indirectly through credit risk and operational risk. This research used a quantitative approach and the saturated sample method. There were 27 banks that categorized as a sample. Furthermore, Partial Least Square (PLS) used for hypotheses and analysis test and free statistic calculation for Sobel Test version 4 for testing credit risk variables and operational risk as mediation. The results of this research showed that improving the implementation of corporate governance can reduced credit risk and operational risk and increased financial performance, whereas, low credit risk and operational risk can increased financial performance. The results of mediation testing showed that credit risk and operational risk positively mediated the effect of corporate governance on financial performance. This explained that the implementation of good corporate governance can minimize the conflicts of interest and asymmetry information that leads to the cost of non-performing loans and additional capital costs that increased the company profitability.DOI: https://doi.org/10.26905/jkdp.v21i4.1285

Perbandingan Pengelolaan Risiko Kredit Perbankan Syariah dan Perbankan Konvensional Muhammad Iqbal
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

This study aims to identify factors that can be used as indicators in reducing the incidence of credit risk in sharia banking and conventional banking. The variables that become observations include banking performance in each group and macroeconomic performance. The banking performance variables include credit risk itself as measured by problem financing, growth in financing, growth in third-party funds, and banking size. While macroeconomic variables include national income, interest rates, and inflation. Autoregressive and distributed lag methods are used to identify which variables can be used as indicators. The results showed that all identified factors can be an indicator in the process of credit risk control both in sharia banking and conventional banking. Only credit growth in conventional banking alone cannot be used as an indicator of credit risk control.DOI: https://doi.org/10.26905/jkdp.v21i3.1318

Total Factor Productivity and Efficiency Analysis on Islamic Banks in Indonesia Siti Aisyah; Muhamad Nadratuzzaman Hosen
Jurnal Keuangan dan Perbankan Vol 22, No 1 (2018): January 2018
Publisher : University of Merdeka Malang

The aims of this study are to measure productivity and efficiency, to analyze factors which affect the level of efficiency and to analyze the correlation between productivity and efficiency of Islamic Banking in Indonesia. The objects of this study are 11 (eleven) Islamic Banks (BUS) in Indonesia which are analyzed from the second quarter of 2010 to the third quarter of 2015. The result shows only six of the eleven banks that have a good productivity level, otherwise, for efficiency, there are only three banks that efficient enough. Furthermore, the relationship between productivity and efficiency levels that are categorized into 4 (four) quadrants. In quadrant I, three banks have high productivity and efficiency namely Syariah Mandiri, Panin Syariah and Victoria Syariah; quadrant IV two banks in a low level of productivity and efficiency namely Mega Syariah and Bukopin Syariah. While the quadrant II namely BCA Syariah, BRI Syariah, and Muamalat and quadrant III namely BJB Syariah, BNI Syariah, and Maybank Syariah required further research to determine the factors that affect the productivity and efficiency relationships that occur.JEL Classification: D24; D57; D61DOI: https://doi.org/10.26905/jkdp.v22i1.1333

The Role of Customer Value, Islamic Brand Preference, and Image on Deposit Decision Tasya Kemala Mirza; Sudjatno Sudjatno; Sunaryo Sunaryo
Jurnal Keuangan dan Perbankan Vol 22, No 2 (2018): April 2018
Publisher : University of Merdeka Malang

The objective of this study is to examine the direct effect of Syariah brand preference and image on deposit decision, and the indirect effect of its relationship through customer value. About 200 respondents from 4 Syariah state-owned banks in Malang taken as the sample in this study. By using PLS (Partial Least Square) method with Smart PLS 2.0 software, data collected was analyzed to find out the relationship and path coefficients among the variables. Regarding all of the hypotheses that proposed in this study, that is no direct significant relationship of brand preference on deposit decision. Generally, this study reveals the important role of customer value in enhancing the effect of Syariah brand preference and image on deposit decision among Syariah state-owned banks’ customers in Malang. Further discussion, both applied and theoretical recommendations and suggestions for future research directions are shown in this study.JEL Classification: G21; M31; M37DOI: https://doi.org/10.26905/jkdp.v22i2.1341

Organizational Citizenship Behavior of Islamic Banks through Meaning in Life and Meaning of Work Heru Sulistyo
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Islamic banking had a market share that is still low if compared with conventional banks, so it has a big challenge to improve performance and competitive advantage. Employees who were willing to have extra work for their organization will lead to the improvement of their performance and their organization. Several studies have examined multiple factors that affect organizational citizenship behavior (OCB), but it was still slightly stressing on the importance of psychological aspects of meaning in life and the meaning of work. The purpose of this study was to examine the importance of meaning in life and the meaning of work factors in improving OCB in the organization. The sample in this study was employees of the Islamic banks in Central Java, amounted to 100 people. The data collections were conducted using questionnaires and in-depth interviews. Meanwhile, to analyze the data, the structural equation model with a Partial least squares software was used. The results of data analysis showed that meaning in life had a significant effect on satisfaction and organizational citizenship behavior. Meaning of work also had a significant effect on satisfaction and organizational citizenship behavior. An employee’s job satisfaction significantly affects the improvement of organizational citizenship behavior.DOI: https://doi.org/10.26905/jkdp.v21i4.1407

The Global Economic Crisis and Its Impact on Bank Lending in Indonesia Rizky Yudaruddin
Jurnal Keuangan dan Perbankan Vol 21, No 4 (2017): October 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v21i4.1513

This study examined the impact of the crisis on bank lending in Indonesia. The crisis was also interacted with profitability and liquidity to see the impact of profitability and liquidity during the global economic crisis on bank lending in Indonesia. This study involves bank-specific as a control variable and macroeconomic variables. Using panel data, I constructed a panel of 1,372 bank-year observations for 98 banks in Indonesia in the period 2002-2015. The empirical results showed that the profitability proxied from Return On Asset affected bank lending negatively, but this effect was relatively insigniûcant. The study also found a positive and significant impact between liquidity and bank lending in Indonesia. Meanwhile, the only GDP which had a significant impact on lending with a positive sign.DOI: https://doi.org/10.26905/jkdp.v21i4.1513

Soundness Rating of Commercial Banks Before and After Implementation of RGEC Method in Indonesia Andriyani, Ima; Mayasari, Rosalina Pebrica; Aryani, Dwi Septa
Jurnal Keuangan dan Perbankan Vol 22, No 1 (2018): January 2018
Publisher : UNIVERSITY OF MERDEKA MALANG

This research aims to analyze the differences in the soundness of commercial banks before and after the implementation of the Risk Profile, Good Corporate Governance, Earning, Capital (RGEC) method in Indonesia. The unit of the analysis was a commercial bank with a purposive sampling method of 10 banks. The study period was 2008-2016. Data analysis technique was using comparative test with the different test of t-test for the related sample. Hypothesis testing with paired sample t-test and data processing with SPSS 24. The research findings showed that the research model based on the F test is fit so that the model formed can be used to test the difference of soundness level of commercial banks. Referring to each RGEC variable, it was found that the risk profile proxy with a Non-performing loan (NPL) and earning with proxy Net Interest Margin (NIM) not significant before and after RGEC implementation while Good Corporate Governance(GCG) and Capital Adequacy Ratio (CAR) have significant difference before and after the implementation of RGEC. This study for GCG testing still used self-assessment which can be seen from the score of each bank directly.JEL Classification: G21; G34DOI:Â https://doi.org/10.26905/jkdp.v22i1.1549

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