Taswan_abstract_1612012

KEPEMILIKAN BANK DAN KEPATUHAN REGULASI TERHADAP  RISIKO PERBANKAN YANG DIMODERASI OLEH CHARTER VALUE

 

Taswan

Fakultas Ekonomi Universitas Stikubank
Jl. Kendeng V, Bendan Ngisor Semarang, 50241

 

Koresponden dengan Penulis:
Taswan: Telp. + 62 24 841 4970; Fax: +62 248 441 738
E-mail: taswanda@yahoo.com

Abstract

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

 

Key words: domestic private ownership, foreign ownership, ownership concentration, charter value, risk of convergence, entrenchment.

<FULL TEXT>

Advertisements

Ikaputera Waspada_abstract_1612012

PERCEPATAN ADOPSI SISTEM TRANSAKSI TEKNOLOGI INFORMASI UNTUK MENINGKATKAN AKSESIBILITAS LAYANAN JASA PERBANKAN

 

Ikaputera Waspada
Fakultas Pendidikan Ekonomi dan Bisnis Universitas Pendidikan Indonesia
Jl. Setiabudi No.229 Bandung, 40154

Korespondensi dengan Penulis:
Ikaputera Waspada: Telp. +62 22 201 1266
E-mail: iwak_2061@yahoo.com

 

Abstract

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

Key words: e-money, technology information, accessibility, public adoption

<FULL TEXT> 

Harmono_abstract_1612012

FAKTOR FUNDAMENTAL MAKRO DAN SKIM BUNGA KREDIT SEBAGAI VARIABEL INTERVENING PENGARUHNYA
TERHADAP KINERJA BANK

Harmono
Jurusan Akuntansi Fakultas Ekonomi Universitas Merdeka Malang
Jl. Terusan Raya Dieng No.62-64 Malang, 65146.

Korespondensi dengan Penulis:
Harmono: Telp. +62 341 568 395 Ext.542
E-mail: harmono_ptigasep@yahoo.co.id

 

Abstract

This study aimed to analyze the effect of macroeconomic fundamental and credit interest scheme to Financial Performance of conventional Bank in Indonesia. The operation of dependent variable used Capital Adequacy Ratio, Non-Performing Loan, Net Interest Margin, Return on Assets, and Loan to Deposits Ratio. On the other hand, independent variable was measured by macroeconomics fundamental;i.e.Interest Rate of Indonesian Central Bank, inflation, and exchange rate of rupiah to US$. Credit interest scheme consisted of working-capital credit interest rate, investment credit, and interest rate of consumption credit. Sampling technique used was purposive sampling and the samples were conventional banks in Indonesia. Data would be analyzed monthly. Analysis technique was structural equation model. The discovery results showed that the macroeconomic fundamental factors had significant influence to bank performance and dimension of credit interest scheme had role as intervening variable in supporting macro fundamental in influencing financial performance of conventional banking in Indonesia. Represented variables had any significant in contribution to each dimension that could be described. For macroeconomic fundamental, all variables were significant to contribute in factor construction. For credit interest scheme, all variables contributed. And for bank performance, only Capital Adequacy Ratio and Return on Assets had a dominant contribution.

Key words: macroeconomic fundamental, credit interest scheme, financial performance

<FULL TEXT>

Dedi Kusmayadi_abstract_1612012

DETERMINASI AUDIT INTERNAL DALAM MEWUJUDKAN GOOD CORPORATE GOVERNANCE SERTA IMPLIKASINYA PADA KINERJA BANK

Dedi Kusmayadi
Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM)
Universitas Siliwangi Tasikmalaya
Jl. Siliwangi No. 24 Tasikmalaya, 46115.

Korespondensi dengan Penulis:

Dedi Kusmayadi: Telp. +62 265 330 634; Fax. +62 265 325 812
E-mail: dieks68@yahoo.com

Abstract

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

 

Key words: internal audit, good corporate governance, bank performance.

 <FULL TEXT>

Daftar Isi Vol.16 No.1 Januari 2012

KEUANGAN

DEWAN KOMISARIS DAN TRANSPARANSI: TEORI KEAGENAN ATAU TEORI STEWARDSHIP?
Tarmizi Achmad

KETERKAITAN DINAMIS PASAR SAHAM INDONESIA DAN ASIA PASIFIK
Haryo Suparmun

EKSPLORATORI TUJUAN MANAJEMEN KEUANGAN BISNIS HIJAU
Djoko Wintoro

Corporate Governance dan Ketaatan Pengungkapan Wajib Pada Badan Usaha Milik Negara
Abdul Kharis dan Djoko Suhardjanto

MANAJEMEN LABA TERHADAP NILAI PERUSAHAAN DENGAN CORPORATE GOVERNANCE SEBAGAI PEMODERASI
Herman Darwis

PENGGUNAAN THE ZMIJEWSKI MODEL, THE ALTMAN MODEL, DAN THE SPRINGATE MODEL SEBAGAI PREDIKTOR DELISTING
Mila Fatmawati

EFISIENSI PASAR MODAL SYARIAH INDONESIA SEBELUM DAN SESUDAH KRISIS FINANSIAL GLOBAL 2008
Ibnu Khajar

REAKSI PASAR TERHADAP PENGUMUMAN EMPLOYEE STOCK OWNERSHIP PROGRAM
Christian Herdinata

KANDUNGAN INFORMASI LABA BERSIH DAN ARUS KAS TERHADAP REAKSI PERUBAHAN RETURN SAHAM
Satia Nur Maharani

RASIO  KEUANGAN PENGUKUR KINERJA PERUSAHAAN DAN DAMPAKNYA TERHADAP EKSPEKTASI RETURN SAHAM
Yarnest

PERBANKAN

KEPEMILIKAN BANK DAN KEPATUHAN REGULASI TERHADAP RISIKO PERBANKAN YANG DIMODERASI OLEH CHARTER VALUE
Taswan

PERCEPATAN ADOPSI SISTEM TRANSAKSI TEKNOLOGI INFORMASI UNTUK MENINGKATKAN AKSESIBILITAS LAYANAN JASA PERBANKAN
Ikaputera Waspada

FAKTOR FUNDAMENTAL MAKRO DAN SKIM BUNGA KREDIT SEBAGAI VARIABEL INTERVENING PENGARUHNYA TERHADAP KINERJA BANK
Harmono

DETERMINASI AUDIT INTERNAL DALAM MEWUJUDKAN GOOD CORPORATE GOVERNANCE SERTA IMPLIKASINYA PADA KINERJA BANK
Dedi Kusmayadi

FAKTOR PENENTU KEBERHASILAN PROGRAM KREDIT USAHA RAKYAT TERHADAP PENINGKATAN AKSES PERMODALAN DI PROPINSI JAWA TIMUR
Ike Kusdyah Rachmawati

Ike Kusdyah Rachmawati_abstract_1612012

FAKTOR PENENTU KEBERHASILAN PROGRAM
KREDIT USAHA RAKYAT TERHADAP PENINGKATAN AKSES 
PERMODALAN DI PROPINSI JAWA TIMUR


Ike Kusdyah Rachmawati
STIE Asia Malang
Jl. Soekarno Hatta – Rembuksari No.1A Malang, 65141 

Korespondensi dengan Penulis:
Ike Kusdyah Rachmawati: Telp./Fax. +62 341 478 877
E-mail: kusdyah_ike@yahoo.com 

Abstract

This study aimed to analyze the critical success factors program people’s business credit against increasing capital access in East Java. It used qualitative and quantitative approaches and it used descriptive analysis that analyzed the contribution program assistance to micro and small groups and various internal and external constraints, and used Analytic Hierarchy Process (AHP) to determine the priority level of the factors that affected 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 which were Sidoarjo regency, Malang and Surabaya. Based on the results of the AHP, access to services and KUR performance could be improved by considering some factors and sub factors that influenced it, among others: candidate’s 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 BI factor as the banking authorities.

Key words: financial inclusion, credit, small management enterprise (SMEs).

<FULL TEXT>

 

Sri Haryati_abstract_1322009

 PERTUMBUHAN KREDIT PERBANKAN DI INDONESIA: INTERMEDIASI DAN PENGARUH VARIABEL MAKRO EKONOMI

Sri Haryati
STIE Perbanas Surabaya
Jl. Nginden Semolo No.36 Surabaya

Korespondensi dengan Penulis:
Sri Haryati: Telp. +62 31 594 7151, Fax. +62 31 599 2985
E-mail: haryati@perbanas.ac.id

  Abstract:

The purpose of the research was to provide empirical evidence on the variables that affected loan growth. The variables used to assess fund resources and allocation were deposit growth, borrowing growth, equity growth, excess liquidity (secondary reserve) growth; and the variables used to assess macro economics were BI rate, inflation and exchange rate. The research population was all banks which operated in Indonesia and divided into two groups: national bank and foreign bank; and the secondary data was the publication of bank financial statements of four time perception which were during December 2004-December 2008. Multiple regression was used for instrument analysis. The result of the research showed that two variables funds resources represented significant determination of loan growth on the national bank, and three variables fund resources represented significant determination of loan growth on foreign bank. All variables macro-economic represented significant determination of loan growth on national bank, but not significant on foreign bank. The result of the Chow test showed that the regression model for two group banks that operated in Indonesia was different.

Key words: loan growth, national bank, foreign bank