Gusti A.Purnamawati_Abstract_1822014

ANALISIS KOMPARATIF KINERJA KEUANGAN PERBANKAN ASEAN SETELAH KRISIS GLOBAL

I Gusti Ayu Purnamawati

Fakultas Ekonomi dan Bisnis Universitas Pendidikan Ganesha

Jl.Udayana No.11 Singaraja-Bali, 81116, Indonesia.

• Korespondensi Penulis:
• I Gusti Ayu Purnamawati: Telp. +62 362 26830
• E-mail: ayupurnama07@yahoo.com

Abstract

The globalization of world trade era presented a competitive challenge for the banking sector, especially the countries that were members of the Association of Southeast Asian Nations (ASEAN) such as: Indonesia, Thailand, and Malaysia. The banking sector was very vulnerable to the economic turmoil that often occurred. The uncertainty in the global economic recovery resulted a high risk in the financial sector for the importance of the bank’s financial performance assessment for the stakeholders. This study aimed to compare the financial performance of the banking sector in Indonesia, Thailand, and Malaysia by using financial ratios. The sample was limited to banks that fell into the category of 5 largest banks in Indonesia, Thailand, and Malaysia during 2009-2012. The research data was secondary data obtained from the Indonesia Stock Exchange. The analysis method used was Kolmogorov Smirnov test for data normality test and one-way ANOVA parametric test. The results showed that: (1) There were significant differences of indicators ROA, ROE and LDR in the financial performance of banks in Indonesia, Thailand and Malaysia; (2) There was no difference of CAR indicator in banking finance in Indonesia, Thailand and Malaysia.

Key words: banking, capital adequacy ratio, loan to deposit ratio, return on assets, return on equity

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Sahalu Manalu_Abstract_1632012

KETERKAITAN INSIDER OWNERSHIP DAN PREDIKSI KINERJA PERBANKAN DI BURSA EFEK INDONESIA

 

Sahala Manalu
Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Ma Chung-Malang
Jl. Villa Puncak Tidar N-01 Malang, 65151.
Norman Sitinjak
Jurusan Manajemen Fakultas Ekonomi Universitas Merdeka-Malang
Jl. Terusan Raya Dieng No.62-64 Malang, 65146.
 

•  Korespondensi dengan Penulis:
• Sahala Manalu: Telp./Fax.: +62  341 550 171
• E-mail: sahala.manalu@machung.ac.id

 

Abstract

Insider ownership in banking business had two different roles, namely as both owner and manager of the business at the same time. As managers, they were given the right of bank ownership in the hope of improving banking performance. With insider ownership, managers had greater rights to make decisions and also had a broader responsibility for decisions taken as they now shared the business risks. They also had greater control over the banks where they worked, such that they had access to strengthen their position in their respective banks. Explanatory variables used in this study was insider ownership, while the dependent variable consisted of the CAR (Capital Adequacy Ratio), ROA (Return on Asset), BOPO (compared to Operating Income Operating Expenses), 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 in terms BOPO and NPLgross, but could not predict the CAR and ROA.

 Key words:  insider ownership, capital adequacy ratio, return on asset, operating income operating expense, non-performing loan

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Imam Muklis_abstract_1622012

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

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