February 2013 – Jurnal Keuangan dan Perbankan (JKP)

Moch.Fathony_Abstract_1622012

February 7, 2013February 7, 2013 by jurkubank, posted in Banking

ESTIMASI DAN FAKTOR-FAKTOR YANG MEMENGARUHI EFISIENSI BANK DOMESTIK DAN ASING DI INDONESIA

Moch. Fathony

Fakultas Ekonomi Universitas Jayabaya
Jl. Pulomas Selatan Kav 23, JakartaTimur 13210.

Korespondensi dengan Penulis:
Mochammad Fathony: Telp. +62 21 470 0906; Fax. +62 21 489 8628
E-mail: fathony_gpv@yahoo.com

Abstract

The objective of this study was to evaluate the performance of the technical efficiency of domestic banks and foreign banks in Indonesia during the period 2008-2009 using a two-stage analysis. The first phase of testing using the method of Data Envelopment Analysis (DEA) showed that foreign-owned banks efficiently produced higher 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 the performance efficiency of the domestic and foreign banks. Return on assets (ROA) had a positive but not significant effect on the performance efficiency of domestic banks. While for foreign banks, ROA had a positive and significant effect on performance efficiency. The capital adequacy ratio (CAR) had a positive and significant effect on the performance efficiency of domestic banks, while for foreign banks, the CAR had positive but not significant effect on performance efficiency. Operational costs had a significant negative influence on the performance efficiency of the domestic and foreign banks.

Key words: technical efficiency, data envelopment analysis, domestic bank, foreign bank

M.Syafii Antonio_Abstract_1622012

February 7, 2013 by jurkubank, posted in Banking

PERAN INTERMEDIASI SOSIAL PERBANKAN SYARIAH: INISIASI PELAYANAN KEUANGAN BAGI MASYARAKAT MISKIN

Muhammad Syafii Antonio
Department of Islamic Economics TAZKIA University College of Islamic Economics
Jl. Ir. Djuanda, Sentul City, Bogor-INDONESIA

Hilman Fauzi Nugraha
Islamic Economics Science Faculty TAZKIA University College of Islamic Economics
Jl. Ir. Djuanda, Sentul City, Bogor-INDONESIA

Korespondensi dengan Penulis:
Muhammad Syafii Antonio: Telp. +62 21 8796 2291
E-mail: antonioislam@yahoo.com – www.steitazkia.ac.id
Hilman Fauzi Nugraha

E-mail: hilmanfauzinugraha@gmail.com

Abstract

Syariah banking was getting criticisms because it was not able to do its reality as the Islamic value manifestation which could be felt by people. These criticisms at least could be related to some indicators like contract domination of non-profit sharing (murabahah) on syariah banking practice which could only be enjoyed by up middle class people, or like syariah banking still did not have innovative product which could touch poor society. This paper discussed and explored the possibility of social intermediation role which could be done by syariah banking more than what financial intermediation role could do to answer inconvenient news and stigma 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 added policy in serving poor society through some strategies. They were (1) through special enterprise unit (UUK) of social intermediation and (2) cooperation through LKMS special for poor society.

Key words: social intermediation, poor society, sharia banking

Muchlis Yahya_abstract_1622012

February 7, 2013 by jurkubank, posted in Banking

TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH

Muchlis Yahya
Jurusan Ekonomi Islam Fakultas Syariah IAIN Walisongo Semarang
Jl. Walisongo 3-5 Jrakah Semarang, 50185.

Korespondensi dengan Penulis:
Muchlis Yahya: Telp. +62 24 760 6405
Email: muchlisyahya@yahoo.co.id

Abstract

The objective of this study was to analyze interest factors toward customers’ saving behavior of shariah banking. Shariah banking customers were divided into Moslem customers that only saved money at shariah bank (n₁), Moslem customers that saved money both in shariah and conventional banks (n₂), non-Moslem customers (n₃). This study used primary data through questionnaires distributed to 400 people gotten from 295.498 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 to invest in shariah banks. However, for n₁, the interest rate did not affect anything. n₁ customers developed relationship with shariah bank because of religion ideology motive. The result showed that n₂, n₃ customers had rational-economic mindset, whereas n₁ customers had emotional-ideology mindset. This result showed that shariah banking customers were dominated by customers that had rational-economic character. The opening of disagreement about the bank interest which was not usury and which was supported by only some socio-religious organizations like NU and Muhammadiyah could be an important factor the growth of Islamic banking.

Key words: shariah bank, interest rate, emotional-ideology, rational-economic.

Endri_abstract_1622012

February 7, 2013 by jurkubank, posted in Banking, Finance

PENGARUH MEKANISME CORPORATE GOVERNANCE TERHADAP KINERJA PROFITABILITAS PERBANKAN SYARIAH DI INDONESIA

Endri
ABFI Institute Perbanas Jakarta
Jl. Perbanas, Karet Kuningan, Setiabudi, Jakarta 12940.

Korespondensi dengan Penulis:
Endri: Telp. +62 21 5252 533; Fax. + 62 21 5228 460
E-mail: endri76@yahoo.com

Abstract

The objective of this study was to examines the relationship among ownership structure, the proportion of independent commissioner board and syariah banking performance. This study employed a stepwise regression method to test the hypothesis that ownership structure and the proportion of independent commissioner board affected finance performance of syariah bankingpositively. The result of analysis showed that there was no 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 on asset, and also between the percentage of independent board director and return on equity.

Key words: corporate governance, ownership structure, return on equity, return on asset

Imam Muklis_abstract_1622012

February 7, 2013 by jurkubank, posted in Banking

KINERJA KEUANGAN BANK DAN STABILITAS MAKROEKONOMI TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA

Imam Mukhlis
Fakultas Ekonomi Universitas Negeri Malang
Jl.Semarang No.5 Malang, 65145.

Korespondensi dengan Penulis:
Imam Muklis: Telp./Fax. +62 341 585 911
E-mail: imm_mkl@yahoo.com

Abstract

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 Bank Syariah Mandiri. The profitability of syaria bank as dependent variable was measured by ratio of the net profit to 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 had negative and significant effect to profitability of syaria banking in Indonesia for 2008-2010. Besides economic growth 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 growth that led to finance in Indonesian economy.

Key words: capital adequacy ratio, finance to deposit ratio, non performing finance, inflation economic growth

Ahmad Erani Yustika_abstract_1622012

February 7, 2013June 9, 2013 by jurkubank, posted in Banking

PERKEMBANGAN PERBANKAN DAN PROBLEM INTERMEDIASI

Abdul Manap Pulungan
Badan Supervisi Bank Indonesia (BSBI)

Ahmad Erani Yustika
Fakultas Ekonomi dan Bisnis – Universitas Brawijaya
Jl. MT.Haryono No.165 Malang, 65145.

Korespondensi dengan Penulis:
Ahmad Erani Yustika: Telp. +62 341 418 871
E-mail: erani@fe.unibraw.ac.id; erani73@yahoo.com

Abstract

After economy crisis in 1997/1998, gradually banking intermediation had held its function again although until now it was still far from what it was hoped. Some banks had already fulfilled the regulation of Indonesia Bank to give credit more than 78% (LDR), but there were still many banks that had not fulfilled the regulation. The factors of high interest rate, banking efficiency, and economy infrastructure availability were considered as the factors 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 was not evenly distributed in all areas (3) savings dominated by short term fund; (4) banking structure which tended oligopoly; and (5) most savings or fixed deposits which were dominated by few account owners.

Key words: intermediation function, credit, interest rate, real sector, Indonesia Bank

Yenny Sugiarti_abstract_1622012

February 7, 2013 by jurkubank, posted in Banking

KINERJA INTELLECTUAL CAPITAL PERBANKAN INDONESIA: PENERAPAN MODEL PULIC DAN ANALISIS PANEL DATA

Yenny Sugiarti
Fakultas Bisnis dan Ekonomika Universitas Surabaya
Jl. Raya Kalirungkut, Surabaya, 60293.

Korespondensi dengan Penulis:
Yenny Sugiarti: Telp: +62 31 298 3331; Fax: +62 31 2981131

E-mail: yenny_s@ubaya.ac.id

Abstract

This paper investigated the performance of intellectual capital of Indonesian banking industry for the period 2007-2009. It sought to measure the Value Added Intellectual Coefficient (VAIC^TM) and to analyze the performance of Indonesian banks. The Pulic model is utilized to estimate the intellectual capital coefficient, and the panel data regression was applied to test the impacts of human capital and physical capital on intellectual capital. The results of Pulic model showed that there were increasing number of top performance banks during the period of study, rising from 2 banks in 2007 to 4 banks in 2009. There was a slight decrease in the bad performance banks, from 9 banks in 2007 to 8 banks in 2009. Bank Mandiri bank appeared to be the only government 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 private banks. The findings from panel data regression suggested that both human capital and physical capital had positive significant impacts on intellectual capital. When the estimation was done toward human capital and physical capital separately, the results were closely similar to the results in the original model.

Key words: intellectual capital, human capital, physical capital, Pulic Model