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Rachmat Slamet, Afi, i Budi Wahono. "ANALISIS RASIO KEUANGAN UNTUK MENGETAHUI KINERJA KEUANGAN BANK UMUM MILIK PEMERINTAH". Jurnal Ilmu Manajemen (JIMMU) 7, nr 2 (24.10.2022): 291–309. http://dx.doi.org/10.33474/jimmu.v7i2.18750.
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Tujuan dari penelitian ini adalah untuk mengetahui kinerja keuangan bank umum milik pemerintah dengan menggunakan analisis laporan keuangan. Penelitian ini menggambarkan perbedaan kinerja keuangan bank umum yang dimiliki oleh pemerintah. Jenis penelitian ini adalah deskriptif kuantitatif. Sumber Data menggunakan data sekunder yang diperoleh dari laporan keuangan bank. Metode pengumpulan Data menggunakan situs BEI (www.idx.co.id) berupa laporan keuangan dari Bank Umum Pemerintah sampai dengan periode 2017-2019. Populasi dan sampel adalah laporan keuangan bank selama periode waktu 2017-2019. Berdasarkan hasil penelitian diperoleh simpulan bahwa nilai rasio profitabilitas ROA, ROE dan NIM Bank Mandiri, Bank BRI dan Bank BNI memiliki rasio yang baik dan berbanding lurus, hal ini menunjukkan kinerja keuangan yang baik. Sementara itu, Bank BTN memiliki nilai rasio yang buruk di NIM yang sebanding dengan ROA dan ROE sehingga kinerja keuangannya tidak baik. Nilai perbandingan rasio solvabilitas bank BTN, Bank BRI, Bank Mandiri, dan Bank BNI dalam CAR rasio baik dan berbanding lurus, sehingga kinerja keuangan keempat bank milik pemerintah tersebut dapat dikatakan baik. Perbandingan nilai rasio likuiditas milik Bank BTN, Bank Mandiri, Bank BRI dan BNI dalam LDR keduanya masuk dalam kategori baik. Ini menunjukkan kinerja keuangan yang baik juga. Berdasarkan Uji Analisis Diskriminan, nilai signifikansi di atas 0,05, hal ini menunjukkan nilai signifikan. Nilai Lamda Wilks mendekati 1, menunjukkan bahwa data dari masing-masing bank cenderung sama.Kata Kunci: Rasio Keuangan, Kinerja Keuangan, Bank Umum Milik Pemerintah The purpose of this study was to determine the financial performance of commercial banks owned by the government by using financial statement analysis. This study illustrates the difference in financial performance of commercial banks owned by the government.This type of research is quantitative descriptive. Data sources using secondary data obtained from the financial statements of banks. Data collection methods using the IDX website (www.idx.co.id) in the form of financial statements from government commercial banks until the period 2017-2019. The population and sample are the financial statements of banks during the time period 2017-2019. Based on the results obtained the conclusion that the value of profitability ratios ROA, ROE and NIM Bank Mandiri, Bank BRI and Bank BNI has a good ratio and is directly proportional, it shows good financial performance. Meanwhile, bank BTN has a poor ratio value in NIM which is comparable to ROA and ROE so that its financial performance is not good. The comparative value of the solvency ratio of bank BTN, Bank BRI, Bank Mandiri, and Bank BNI in the CAR ratio is good and directly proportional, so that the financial performance of the four government-owned banks can be said to be good. Comparison of the value of liquidity ratios belonging to bank BTN, Bank Mandiri, Bank BRI and BNI in the LDR are both in the good category. This shows its good financial performance as well. Based on the discriminant analysis test, the significance value is above 0.05, this indicates a significant value. The value of Wilks ' Lamda is close to 1, indicating that the data from each bank tends to be the same.Keywords: Financial Ratios, Financial Performance, Government-Owned Commercial Banks
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Kondova, Galia, i Trishit Bandyopadhyay. "The Impact of Non-bank Lending on Bank Efficiency: Data Envelopment Analysis of European Banks". International Journal of Trade, Economics and Finance 10, nr 5 (październik 2019): 108–12. http://dx.doi.org/10.18178/ijtef.2019.10.5.646.
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Febrianto, Hendra Galuh, i Amalia Indah Fitriana. "MENILAI TINGKAT KESEHATAN BANK DENGAN ANALISIS METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL PADA BANK SYARIAH DI INDONESIA". Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 6, nr 1 (27.08.2020): 139–60. http://dx.doi.org/10.36908/isbank.v6i1.135.
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ABSTRACT
In the banking world of soundness, banks are very important for the formation of trust. Trust and loyalty to banks is a very helpful factor and makes it easier for bank management to develop good business strategies. Bank Soundness Levels are results issued by banks which are carried out on bank risk and performance (Bank Indonesia Regulation Number: 13/1 / PBI / 2011). If more than conventional banking with Islamic banking, conventional banking finance is better than Islamic banking. This is blessed with poor sharia banking (corporate governance) management. In order to be able to carry out its functions properly, banks must have sufficient capital, ensure the quality of their assets properly, be well managed and managed based on the principle of prudence, generate sufficient profits to maintain an increase, and support liquidity so that it can be adjusted to their needs. Therefore banks are required to be able to achieve and maintain a good and optimal level of performance, because the level of bank performance can increase the level of trust and loyalty needed by the wider community to use the products, services and financial activities of the bank.
The purpose of this study is for advanced financial research with analysis of Risk Profiles (Risk Profiles), Good Corporate Governance (GCG), Profitability (Income), and Capital (Capital) which is hereinafter abbreviated as RGEC with the final aim of research for the needs of Sharia banking management in accordance with the latest Bank Indonesia and OJK regulations.
This type of research uses descriptive research proposed in the RGEC analysis (Risk Profile, Good Corporate Governance, Income, and Capital) at Islamic Banks in Indonesia. from 2013 to 2017.
Keywords: Risk Profile, Good Corporate Governance, Income, Capital, Bank Soundness
ABSTRAK
Dalam dunia perbankan tingkat kesehatan bank sangat penting bagi pembentukan kepercayaan. Kepercayaan dan loyalitas nasabah terhadap bank merupakan faktor yang sangat membantu dan mempermudah pihak manajemen bank untuk menyusun strategi bisnis yang baik. Tingkat Kesehatan Bank adalah hasil penilaian kondisi bank yang dilakukan terhadap risiko dan kinerja bank (Peraturan Bank Indonesia Nomor: 13/1/PBI/2011). Jika dibanding antara perbankan konvensional dengan perbankan syariah, kinerja keuangan perbankan konvensional lebih baik daripada perbankan syariah. Hal ini dikarena tatakelola (good corporate governance) perbankan syariah yang masih buruk. Agar dapat menjalankan fungsinya dengan baik, bank harus mempunyai modal yang cukup, menjaga kualitas asetnya dengan baik, dikelola dengan baik dan dioperasikan berdasarkan prinsip kehati-hatian, menghasilkan keuntungan yang cukup untuk mempertahankan kelangsungan usahanya, serta memelihara likuiditasnya sehingga dapat memenuhi kewajibannya. Oleh karena itu bank dituntut untuk bisa mencapai dan mempertahankan tingkat kinerja yang baik dan optimal, karena tingkat kinerja bank yang baik dapat meningkatkan kepercayaan dan loyalitas nasabah maupun masyarakat luas untuk menggunakan produk, jasa dan aktivitas keuangan dari bank tersebut.
Tujuan penelitian ini adalah untuk menilai tingkat kesehatan keuangan dengan analisis Profil Risiko (Risk Profile), Good Corporate Governance (GCG), Rentabilitas (Earnings), dan Permodalan (Capital) yang selanjutnya disingkat RGEC dengan tujuan akhir merekomendasikan kebijakan untuk memperbaiki manajemen perbankan Syariah yang sesuai peraturan Bank Indonesia dan OJK yang terbaru.
Jenis penelitian ini menggunakan penelitian deskriptif yang berfokus pada analisis RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) pada Bank Syariah di Indonesia. dari tahun 2013 sampai 2017.
Kata kunci: Risk Profile, Good Corporate Governance, Earnings, Capital, Tingkat Kesehatan Bank
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Yen, Bong Siaw, i Nuryasman MN. "Faktor Penentu Kesehatan Bank Konvensional dan Bank Digital". Jurnal Manajerial Dan Kewirausahaan 5, nr 3 (30.07.2023): 585–94. http://dx.doi.org/10.24912/jmk.v5i3.25337.
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Penelitian ini bertujuan untuk mengetahui pengaruh Return On Assets (ROA) dan Capital Adequacy Ratio (CAR) terhadap Non Performing Loan (NPL) pada Bank Konvensional dan Bank Digital baik secara parsial maupun secara Bersama-sama. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif. Data yang digunakan dalam penelitian ini berupa laporan keuangan triwulan yang diperoleh dari website perusahaan berupa laporan keuangan tahun 2017 sampai dengan tahun 2021. Dalam penelitian ini sampel yang dipilih adalah Bank yang memiliki Bank Konvensional dan Bank Digital yang terdiri dari Bank BRI dan Bank Raya. Teknik analisis yang digunakan adalah analisis regresi linier data panel. Penelitian ini menggunakan program perangkat lunak EVIEWS untuk membantu mengolah data dan melengkapi penelitian ini. Hasil penelitian ini berpengaruh signifikan terhadap Non Performing Loan di Bank BRI, Return On Asset berpengaruh signifikan terhadap Non Performing Loan di Bank BRI, Cash Adequacy Ratio tidak berpengaruh signifikan terhadap Non Performing Loan di Bank Raya, Return on Asset tidak berpengaruh berpengaruh signifikan terhadap Non Performing Loan di Bank Raya.
This study aims to determine the Return On Assets (ROA) and Capital Adequacy Ratio (CAR) to Non Performing Loans (NPL) in Conventional Banks and Digital Banks, both partially and simultaneously. The type of research used in this research is quantitative research. The data used in this study are in the form of quarterly financial reports obtained from the company's website in the form of financial reports from 2017 to 2021. In this study the sample chosen was Banks that have Conventional Banks and Digital Banks, which consist of BRI Banks and Raya Banks. The analysis technique used is panel data linear regression analysis. This study uses the EVIEWS software program to help process data and complete this research. has a significant effect on Non-Performing Loans at Bank BRI, Return on Assets has a significant effect on Non-Performing Loans at Bank BRI, Cash Adequacy Ratio has no significant effect on Non-Performing Loans at Bank Raya, Return on Assets has no significant effect on Non-Performing Loans at Bank Raya.
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Alzoubi, Tariq. "Determinants of bank profitability: Islamic versus conventional banks". Banks and Bank Systems 13, nr 3 (12.09.2018): 106–13. http://dx.doi.org/10.21511/bbs.13(3).2018.10.
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This research analyzes the determinants of bank profitability by investigating the internal factors that affect the profitability of Islamic banks and conventional banks. It then compares the results from the two types in order to understand how they differ from each other. As previous researchers focus on either Islamic or conventional banks, this research will analyze both by comparing how they are each influenced by profitability factors. Few researches have attempted to compare the profitability of Islamic and conventional banks using a relatively small sample. This research uses a fixed effect panel data analysis on a large sample of 68 banks (42 Islamic and 26 conventional banks) from 13 MENA countries, covering the period of 2006 until 2016. Using several variables, including bank size, equities to assets, loans to assets, deposits to assets, cash to assets and securities to assets, the results show that bank size, equities to assets and deposits to assets have a significant positive effect on Islamic banks’ profitability, while they have a significant negative effect on conventional banks’ profitability; loans to assets and cash to assets have no effect on bank profitability for either Islamic or conventional banks; and securities to assets has a significant negative effect on Islamic banks’ profitability, while it has a significant positive effect on conventional banks’ profitability. The results also show that bank size, equities to assets, deposits to assets and cash to assets contribute more to Islamic banks’ profitability compared to conventional banks, while loans to assets and securities to assets contribute more to conventional banks’ profitability compared to Islamic banks.
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Muklir, Muklir, Syamsudin Syamsudin, Muhammad Gusti i Abdul Aziz. "Fenomena Peralihan Bank Konvensional ke Bank Syariah di Aceh". Jurnal Sosiologi USK (Media Pemikiran & Aplikasi) 16, nr 2 (30.12.2022): 134–45. http://dx.doi.org/10.24815/jsu.v16i2.25865.
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Islamic financial institutions aim to improve the economic empowerment of the people of Aceh based on the principles of Islamic economics (sharia). This article aims to describe the phenomenon of switching from conventional banks to Islamic Sharia banks as a form of implementation of Aceh Qanun Number 11 of 2018 concerning Islamic Financial Institutions. This study uses a qualitative approach. Data collection techniques using observation and interviews The data obtained were analyzed using qualitative descriptive techniques. The results showed that the transition of conventional banks to Islamic banks as a form of Qanun LKS implementation has still not been effective and efficient, so customers and business actors still do not significantly feel the impact. The transition of conventional banks to Islamic banks as a form of implementation of Qanun LKS also shows unpreparedness in terms of systems, programs, and services. This had an impact on the service provided to bank customersAbstrakLembaga Keuangan Syariah bertujuan meningkatkan pemberdayaan ekonomi masyarakat Aceh berdasarkan prinsip ekonomi Islam. Artikel ini bertujuan untuk mendeskripsikan tentang fenomena peralihan Bank Konvensional ke Bank Syariah sebagai bentuk implementasi Qanun Aceh Nomor 11 tahun 2018 tentang Lembaga Keuangan Syariah. Kajian ini menggunakan pendekatan kualitatif. Teknik pengumpulan data menggunakan observasi dan wawancara. Data yang diperoleh kemudian dianalisis menggunakan teknik deskriptif kualitatif. Hasil penelitian menunjukkan bahwa Peralihan Bank konvensional ke bank syariah sebagai bentuk implementasi Qanun LKS belum berjalan efektif dan efisien sehingga dampaknya pun masih belum dapat dirasakan secara signifikan, baik oleh nasabah maupun pelaku usaha. Peralihan Bank Konvensional ke Bank Syariah sebagai bentuk implementasi Qanun LKS juga masih menunjukkan ketidaksiapan dalam hal sistem, program, serta pelayanan. Hal ini mengakibatkan rendahnya pelayanan kepada nasabah.
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Rinawati, Tri, i Aprih Santoso. "THE COMPARATIVE STUDY OF ISLAMIC AND CONVENTIONAL BANK IN INDONESIA". Kodifikasia 13, nr 2 (11.12.2019): 353. http://dx.doi.org/10.21154/kodifikasia.v13i2.1772.
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Penelitian ini bertujuan untuk mengetahui perbedaan kinerja keuangan Bank Syariah dan Bank Konvensional di Indonesia berdasarkan rasio CAR, NPL, LDR dan BOPO untuk tahun 2008 – 2017 dan untuk mengetahui kinerja keuangan mana yang lebih baik antara kinerja keuangan Bank Syariah dan Bank Konvensional di Indonesia untuk periode 2008 - 2017 dilihat berdasarkan rasio CAR, NPL, LDR, BOPO, ROA. Objek penelitian ini adalah bank syariah dan bank konvensional di Indonesia selama periode 2008 - 2017. Metode penentuan sampel yang digunakan adalah purposive sampling, yaitu pengambilan sampel dari suatu populasi berdasarkan kriteria tertentu. Kriteria dalam memilih sampel adalah: (1) Bank yang telah menerbitkan laporan keuangan selama 5 tahun berturut-turut mulai tahun 2008-2017; (2) Bank yang terdaftar di Bank Indonesia; (3) Bank yang menyediakan data laporan keuangan sesuai dengan rasio yang dipersyaratkan; (4) Data Keuangan Bank Syariah dan Bank Konvensional diambil secara keseluruhan dari Statistik Perbankan Indonesia dengan hasil pengujian yang berbeda dapat disimpulkan bahwa terdapat perbedaan antara CAR Bank Islam dan CAR Conventions Bank, terdapat perbedaan antara Bank Syariah NPL dan Konvensional Bank NPL, ada perbedaan antara LDR Bank Syariah dan LDR Bank Konvensional, tidak ada perbedaan antara Bank Islam BOPO dan Bank Konvensional BOPO dan ada perbedaan antara ROA Bank Syariah dan ROA Bank Konvensional. [The objectives of this study are: (1) To find out the differences in the financial performance of Islamic Banks and Conventional Banks in Indonesia based on CAR, NPL, LDR and BOPO ratios for the years 2008 - 2017; (2) To find out which financial performance is better between the financial performance of Islamic Banks and Conventional Banks in Indonesia for the period 2008 - 2017 seen based on CAR, NPL, LDR, BOPO, ROA ratios. The object of this research is Islamic banks and conventional banks in Indonesia during the period 2008 - 2017. The method of determining the sample used is purposive sampling, which is sampling from a population based on certain criteria. The criteria in selecting samples are: (1) Banks that have published financial statements for 5 consecutive years starting in 2008 - 2017; (2) Banks registered at Bank Indonesia; (3) Banks that provide financial report data in accordance with the required ratio; (4) Financial Data of Islamic Banks and Conventional banks are taken as a whole from Indonesian Banking Statistics the results of different tests it can be concluded that there is a difference between CAR Islamic Banks and CAR Conventions Bank, there is a difference between Islamic Bank NPLs and Bank Conventions NPL, there is a difference between Islamic Bank LDR and Conventional Bank LDR, there is no difference between Islamic Bank BOPO and Conventional Bank BOPO and there is a difference between ROA of Sharia Banks and ROA of Conventional Banks]
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Winans, Thomas B., i John Seely Brown. "Moving Information Technology Platforms To The Clouds: Insights Into IT Platform Architecture Transformation". Journal of Service Science (JSS) 2, nr 2 (1.12.2009): 23–34. http://dx.doi.org/10.19030/jss.v2i2.4284.
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The Long-Term Credit Bank (LTCB) of Japan underwent a very traumatic reorganization beginning in 1998 following Japans economic collapse in 1989. The bank was beset with difficulties rooted in bad debts. Possible mergers with domestic banks were proposed, but the bank eventually was sold to an international group, which set about putting the bank back together, launching it in June 2000 as Shinsei Bank, Limited (Shinsei).
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Wijayani, Dianing Ratna. "Kepercayaan Masyarakat Menabung pada Bank Umum Syariah". Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 8, nr 1 (1.06.2017): 1. http://dx.doi.org/10.18326/muqtasid.v8i1.1-12.
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The main basis of banking activity is trust, in both the collection of funds and distribution of funds. People will save their money in the bank if it is based on trust. In this function, it will be built trust by both the depositors and the bank staff, and this trust will continue to debtors. This trust is important to establish because in these circumstances all parties want to get benefits from some aspects. In other words, the higher the public trust, the higher the third party funds which will get in the bank. The purpose of this research is to analyze the influence of Sharia Supervisory Board, profitability, and cost of promotions toward public trust in Islamic Banks. The populations of this study are all commercial Syaria banks in period of 2011-2013, with a purposive sampling technique and obtained sample of 11 banks. The type of data used in this research is secondary data, similar documentation of the financial statements of Islamic banks in 2011-2013. Results of analysis using multiple regression are: The sharia supervisory board has influence toward public trust in saving money in Islamic banks, this indicates that the sharia supervisory board will presume that the professionalism and intensity of supervision of Islamic banks are higher, so the trust level of saving money in Islamic banks are higher, Profitability has no effect on public trust in saving money in Islamic banks, and they do not pay much attention to profit, this indicates that people who save money in Islamic banks pay more attention to the security of the liberation from the shackles of usury. Promotion cost has effect on public trust in Islamic banks, this indicates that people who save money in Islamic banks pay less attention to profits and is considered usury by Muslims, so bank benefits are not paid much attention to profits, and they pay more attention to the security in order to prevent usuryDasar utama kegiatan perbankan adalah kepercayaan (trust), baik dalampenghimpun dana maupun penyaluran dana. Masyarakat akan mau menyimpan dana dananya di bank apabila dilandasi kepercayaan. Dalam fungsi ini akan di bangun kepercayaan baik dari pihak penyimpan dana maupun dari pihak bank dan kepercayaan ini akan terus berlanjut kepada pihak debitor. Kepercayaan ini penting dibangun karena dalam keadaan ini semua pihak ingin merasa diuntungkan baik dari segi penyimpangan dana, penampung dana maupun penerima penyaluran dana tersebut. Dengan kata lain, semakin tinggi kepercayaan masyarakat maka semakin tinggi pula dana pihak ketiga (DPK) yang akan masuk pada bank tersebut.Tujuan dalam penelitian ini adalah untuk menganalisa pengaruh Dewan Pengawas Syariah (DPS), profitabilitas dan biaya promosi terhadap kepercayaan masyarakat menabung di Bank Umum Syariah. Populasi dalam penelitian ini adalah seluruh bank umum Syariah periode 2011-2013, dengan teknik pengambilan sampel purposive sampling diperoleh sampel sebanyak 11 bank. Jenis data yang dipergunakan adalah data sekunder, serupa dokumentasi laporan keuangan bank syariah tahun 2011-2013. Hasil analisis dengan menggunakan regresi berganda adalah: Dewan pengawas syariah berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa adanya dewan pengawas syariah akan memberikan asumsi profesionalisme dan intensitas pengawasan bank syariah semakin tinggi, sehingga tingkat kepercayaan menabung di bank syariah tersebut semakin tinggi. Profitabilitas tidak berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah tidak terlalu memperhatikan laba, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah lebih memperhatikan keamanan dari sisi terbebasnya dari jeratan ribawi. Biaya promosi berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah kurang memperhatikan laba dan dianggap riba oleh umat islam, sehingga keuntungan bank tidak terlalu memperhatikan laba, mereka lebih memperhatikan keamanan dari sisi terbebasnya jeratan ribawi
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Wijayani, Dianing Ratna. "Kepercayaan Masyarakat Menabung pada Bank Umum Syariah". Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 8, nr 1 (1.06.2017): 1. http://dx.doi.org/10.18326/muqtasid.v8i1.1-17.
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The main basis of banking activity is trust, in both the collection of funds and distribution of funds. People will save their money in the bank if it is based on trust. In this function, it will be built trust by both the depositors and the bank staff, and this trust will continue to debtors. This trust is important to establish because in these circumstances all parties want to get benefits from some aspects. In other words, the higher the public trust, the higher the third party funds which will get in the bank. The purpose of this research is to analyze the influence of Sharia Supervisory Board, profitability, and cost of promotions toward public trust in Islamic Banks. The populations of this study are all commercial Syaria banks in period of 2011-2013, with a purposive sampling technique and obtained sample of 11 banks. The type of data used in this research is secondary data, similar documentation of the financial statements of Islamic banks in 2011-2013. Results of analysis using multiple regression are: The sharia supervisory board has influence toward public trust in saving money in Islamic banks, this indicates that the sharia supervisory board will presume that the professionalism and intensity of supervision of Islamic banks are higher, so the trust level of saving money in Islamic banks are higher, Profitability has no effect on public trust in saving money in Islamic banks, and they do not pay much attention to profit, this indicates that people who save money in Islamic banks pay more attention to the security of the liberation from the shackles of usury. Promotion cost has effect on public trust in Islamic banks, this indicates that people who save money in Islamic banks pay less attention to profits and is considered usury by Muslims, so bank benefits are not paid much attention to profits, and they pay more attention to the security in order to prevent usuryDasar utama kegiatan perbankan adalah kepercayaan (trust), baik dalampenghimpun dana maupun penyaluran dana. Masyarakat akan mau menyimpan dana dananya di bank apabila dilandasi kepercayaan. Dalam fungsi ini akan di bangun kepercayaan baik dari pihak penyimpan dana maupun dari pihak bank dan kepercayaan ini akan terus berlanjut kepada pihak debitor. Kepercayaan ini penting dibangun karena dalam keadaan ini semua pihak ingin merasa diuntungkan baik dari segi penyimpangan dana, penampung dana maupun penerima penyaluran dana tersebut. Dengan kata lain, semakin tinggi kepercayaan masyarakat maka semakin tinggi pula dana pihak ketiga (DPK) yang akan masuk pada bank tersebut.Tujuan dalam penelitian ini adalah untuk menganalisa pengaruh Dewan Pengawas Syariah (DPS), profitabilitas dan biaya promosi terhadap kepercayaan masyarakat menabung di Bank Umum Syariah. Populasi dalam penelitian ini adalah seluruh bank umum Syariah periode 2011-2013, dengan teknik pengambilan sampel purposive sampling diperoleh sampel sebanyak 11 bank. Jenis data yang dipergunakan adalah data sekunder, serupa dokumentasi laporan keuangan bank syariah tahun 2011-2013. Hasil analisis dengan menggunakan regresi berganda adalah: Dewan pengawas syariah berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa adanya dewan pengawas syariah akan memberikan asumsi profesionalisme dan intensitas pengawasan bank syariah semakin tinggi, sehingga tingkat kepercayaan menabung di bank syariah tersebut semakin tinggi. Profitabilitas tidak berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah tidak terlalu memperhatikan laba, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah lebih memperhatikan keamanan dari sisi terbebasnya dari jeratan ribawi. Biaya promosi berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah kurang memperhatikan laba dan dianggap riba oleh umat islam, sehingga keuntungan bank tidak terlalu memperhatikan laba, mereka lebih memperhatikan keamanan dari sisi terbebasnya jeratan ribawi
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Iyer, Rajkamal, i Manju Puri. "Understanding Bank Runs: The Importance of Depositor-Bank Relationships and Networks". American Economic Review 102, nr 4 (1.06.2012): 1414–45. http://dx.doi.org/10.1257/aer.102.4.1414.
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We use unique depositor-level data for a bank that faced a run to understand the factors that affect depositor behavior. We find uninsured depositors are most likely to run. Deposit insurance helps, but is only partially effective. Bank-depositor relationships mitigate runs, suggesting that relationship with depositors help banks reduce fragility. In addition, we also find that social networks matter. Finally, we find long-term effects of a solvent bank run in that depositors who run do not return back to the bank. Our results help understand the underlying dynamics of bank runs and hold important policy implications. (JEL D12, G21, O16, Z13)
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Dewi, Kandi Sastri. "PENGARUH NET INTEREST MARGIN (NIM) DAN CAPITAL ADEQUATY RATIO (CAR) TERHADAP RETURN ON ASSET (ROA) PADA BANK KONVESIONAL YANG TERDAFTAR DI OJK TRIWULAN TAHUN 2018-2020". Bilancia : Jurnal Ilmiah Akuntansi 8, nr 1 (31.03.2024): 51. http://dx.doi.org/10.35145/bilancia.v8i1.4262.
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ABSTRACT Several indicators can assess the soundness of commercial banks, which include CAR and NIM. In this study, the researcher wanted to examine some of the effects of indicators on profitability at conventional banks. In assessing bank finances, this financial analysis is very much needed in that case, because this analysis is useful for monitoring the financial health of banks, finances in state businesses, even negative or positive movements in state banks. Financial reports are also very useful for business people, both government and business people. And this study produces an analysis which says that CAR has a positive effect on profitability, and NIM does not have a significant value on profitability. Keywords: CAR; NIM; ROA; Profitability; Bank; Financial Ratios; Conventional Bank ABSTRAK Beberapa indikator dapat menilai tingkat kesehatan bank umum, yang dimana indikator tersebut meliputi CAR dan NIM. Dalam penelitian ini peneliti ingin menguji beberapa pengaruh indikator terhadap profitabilitas pada Bank Konvesional. Dalam menilai keuangan bank, analisis keuangan ini sangat dibutuhkan dalam hal itu, karena analisis ini berguna untuk mengawasi kesehatan keuangan bank, keuangan dalam bisnis negara, bahkan pergerakan negatif atau positif dalam bank negara. Laporan keuangan juga sangat berguna untuk pelaku bisnis, baik pemerintah maupun pebisnis. Dan penelitian ini menghasilkan analisis yang mengtakan bahwasannya CAR berpengaruh positif pada profitabilitas, dan NIM tak memiliki nilai yang signifikan terhadap profitabilitas. Kata Kunci : CAR; NIM; ROA; Profitabilitas; Bank; Rasio Keuangan; Bank Konvesional.
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Angel, Christania Graciella, i Rudy Pusung. "ANALISIS PERBANDINGAN KINERJA PADA BANK NASIONAL DAN BANK ASING DENGAN MENGGUNAKAN ANALISIS RASIO KEUANGAN". ACCOUNTABILITY 3, nr 1 (23.06.2014): 66. http://dx.doi.org/10.32400/ja.4942.3.1.2014.66-76.
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ABSTRAK Penilaian terhadap kinerja suatu bank tertentu dapat dilakukan dengan melakukan analisis terhadap laporan keuangannya. Laporan keuangan bank berupa neraca memberikan informasi kepada pihak di luar bank. Informasi yang diberikan mengenai gambaran posisi keuangannya, yang lebih jauh dapat digunakan pihak eksternal untuk menilai besarnya resiko yang ada pada suatu bank. Dilihat dari segi kepemilikannya, pengelompokkan bank dapat dibedakan atas 3 kelompok yaitu bank nasional, bank asing dan bank campuran. Ketiga kelompok bank ini dalam kenyataannya bersaing ketat untuk menunjukkan good performance di mata publik. Penelitian ini bertujuan untuk menganalis kinerja keuangan bank nasional dan bank asing periode 2004 – 2013 dengan menggunakan proksi keuangan (CAMEL) yang terdiri atas: Capital, Asset Quality, Management, Earnings, Liquidity. Populasi dalam penelitian ini adalah seluruh bank (bank asing dan bank nasional) yang tercatat dalam Bursa Efek Indonesia tahun 2004-2013 yang berjumlah 42 bank, dengan menggunakan purposive sampling jumlah sampel yang memenuhi kriteria adalah sebanyak 10 bank (dengan perincian 5 bank nasional dan 5 bank asing). Metode analisis yang digunakan adalah uji beda rata-rata (t-test). Dari hasil penelitian diperoleh penggunaan proksi CAMEL dalam melakukan analisis perbandingan kinerja memberikan bukti bahwa kinerja bank asing lebih baik dari bank nasional.Kata Kunci : kinerja keuangan, bank nasional, bank asing, rasio CAMEL ABSTRACT Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national bank and foreign bank at the period of 2004 to 2013 with the proxy finance ratio (CAMEL ratio) consist of: Capital, Asset Quality, Management, Earnings, and Liquidity. The population in this research consist of national bank and foreign bank listed on the Indonesia Stock Exchange at the period of 2004 to 2013 which amount 42 banks. Based on purposive sampling techniques, the number of samples that meet the criteria are as many as 10 banks (5 national banks and 5 foreign banks). Analysis technique that use in this research is t-test. As the result the usage of proxy CAMEL ratio to analyze comparison bank performance give evidence that foreign bank performance is better than national bank performance.Keywords : financial performance, national bank, foreign bank, CAMEL ratio.
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Kusumaningrum, Ria, Riska Puspa, Ridho Dzatilah, Rizki i Decky Saepul Adha. "PENEMPATAN PADA BANK LAIN/PLACEMENT IN OTHER BANKS DAN PENGARUHNYA PADA LABA BERSIH KEGIATAN USAHA BANK UMUM SYARIAH". SAHID BANKING JOURNAL 2, nr 01 (30.10.2022): 10–20. http://dx.doi.org/10.56406/sahidbankingjournal.v2i01.64.
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Penempatan pada bank lain adalah Penanaman Dana pada Bank Syariah Lain baik di dalam negeri maupun di luar negeri dalam bentuk antara lain sertifikat investasi Mudharabah antar bank, deposito mudharabah, tabungan mudharabah, giro wadiah dan tabungan wadiah yang di maksudkan untuk oplimalisasi pengelolaan dana. Penempatan Pada Bank Lain merupakan salah satu komponen dari aktiva produktif dengan maksud untuk oplimalisasi pengelolaan dana. Oleh karena itu bank harus membentuk penyilisihan untuk menutup kemungkinan kerugian dalam valuta yang sama. Dengan berdasarkan uraian diatas, maka yang hendak ditelurusi ialah apakah dan bagaimanakah Penempatan pada Bank Lain/Placement in Other Banks dalam hal Giro/Demand Deposits, Tabungan/Saving Deposits, Deposito/Time Deposits, Setoran Jaminan/Margin Deposits, Dana Pelunasan Sukuk/Sukuk Sinking Fund, dan Lainnya/Others, berpengaruh secara parsial maupun simultan terhadap Laba Bersih? Kemudian, bagaimanakah usulan agar akad-akad mengenai Penempatan pada Bank Lain/Placement in Other Banks dalam hal Giro/Demand Deposits, Tabungan/Saving Deposits, Deposito/Time Deposits, Setoran Jaminan/Margin Deposits, Dana Pelunasan Sukuk/Sukuk Sinking Fund, dan Lainnya/Others, dapat meningkatkan pengaruh yang lebih baik terhadap Laba Bersih? Atas dasar penelusuran tersebut, dilakukan penelitian ini dan hasilnya ialah Penempatan pada Bank Lain/Placement in Other Banks dalam hal Giro/Demand Deposits, Tabungan/Saving Deposits, Deposito/Time Deposits, Setoran Jaminan/Margin Deposits, Dana Pelunasan Sukuk/Sukuk Sinking Fund, dan Lainnya/Others, tidak berpengaruh secara parsial terhadap Laba Bersih, tetapi berpengaruh secara simultan terhadap Laba Bersih.
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Sari, Nurshadrina Kartika, Isti Fadah i Hari Sukarno. "DETERMINAN STRUKTUR MODAL BANK". EKUITAS (Jurnal Ekonomi dan Keuangan) 17, nr 1 (6.02.2017): 71. http://dx.doi.org/10.24034/j25485024.y2013.v17.i1.2227.
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Banks are financial institutions how have an important part for the economy of a country. The bank’s main purposes are to collected funds from the public and distributed it back to them in credit loans. The biggest of public trusted to the bank, will make the bigger bank’s liabilities to their funds. This research examines determinants of bank capital structure, including profitability, liquidity, business risk, dividend, management ownership, institutional ownership and bank’s age. The samples in this research are 70 banks in Indonesian period 2006 until 2011, where analyzed with multiple linier regression test with dummy variable to know which of the seven variables are the determinans of the bank capital structures that use DER (Debt to Equity Ratio) to measure it. The result of this research find that determinants of bank capital structures is liquidity, institutional ownership and bank’s age, but profitability, business risk, dividend and management ownership are not the determinants of bank capital structures period 2006 until 2011.
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Lukić, Radojko. "Analysis of financial performance and efficiency of banks in Serbia using fuzzy LMAW and MARCOS methods". Bankarstvo 51, nr 3-4 (2022): 130–69. http://dx.doi.org/10.5937/bankarstvo2204130l.
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Researching bank efficiency factors is very challenging. Bearing that in mind, this paper analyzes the financial performance and efficiency of banks in Serbia based on the fuzzy LMAWMARCOS method. The obtained empirical results show that the top five banks are, in order: Banca Intesa, OTP Banka Srbija, Komercijalna banka, Mobi Banka and NLB banka. Badly positioned banks include, in order: MIRABANK, API banka, Srpska banka, 3 BANKA and Addiko Bank. Among other things, the efficiency of banks in Serbia was significantly affected by the Covid-19 pandemic. In order to improve the financial performance and efficiency of banks in Serbia in the future, it is necessary to manage resources (human capital, assets and capital), sales of banking products and profits as efficiently as possible. The digitization of the entire banking business also plays a significant role in this.
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Zainuri, Umi Cholifah i Erika Ayu Pandini. "The Influence of Maqasid Shariah Index and Shariah Business Good Governance on the Profit Growth of Islamic Commercial Banks in Indonesia". Jurnal Ekonomi Syariah Teori dan Terapan 10, nr 4 (31.07.2023): 415–26. http://dx.doi.org/10.20473/vol10iss20234pp415-426.
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ABSTRACT This research aims to investigate the impact of Maqasid Shariah Index and Shariah business good governance on the profit growth of Islamic commercial banks in Indonesia during the period 2017 to 2021. The study employs a quantitative research method with the Panel Least Square (PLS) approach, and Lagrange Multiplier test is used to determine the appropriate regression model. The Common Effect Model (CEM) is found to be the best fit regression model. After conducting the Lagrange Multiplier test, the study proceeds to examine the classical assumptions. The research population consists of Islamic commercial banks registered with the Financial Services Authority during 2017-2021, and the sample includes those banks that have published financial reports and Shariah business good governance reports. The main finding of this research reveals a significant positive influence of Shariah business good governance on the profit growth of Islamic commercial banks. This indicates that the increased implementation of Shariah business good governance principles leads to a significant enhancement in profit growth. This study provides valuable insights for Islamic banks to reevaluate their business and financial governance systems to align with Islamic principles. Keywords: Maqasid Shariah Index, Shariah Business Good Governance, Islamic Commercial Banks, Profit Growth, Indonesia. ABSTRAK Penelitian ini bertujuan untuk menginvestigasi dampak Indeks Maqasid Syariah dan Good Governance Bisnis Syariah yang baik terhadap pertumbuhan laba bank umum syariah di Indonesia selama periode 2017 hingga 2021. Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan Panel Least Square (PLS), dan uji Lagrange Multiplier digunakan untuk menentukan model regresi yang sesuai. Common Effect Model (CEM) terbukti menjadi model regresi yang terbaik. Setelah melakukan uji Lagrange Multiplier, penelitian ini melanjutkan dengan menguji asumsi-asumsi klasik. Populasi penelitian terdiri dari bank umum syariah yang terdaftar di Otoritas Jasa Keuangan selama periode 2017-2021, dan sampel penelitian mencakup bank-bank tersebut yang telah menerbitkan laporan keuangan dan laporan Good Governance Bisnis Syariah. Hasil utama dari penelitian ini mengungkapkan adanya pengaruh positif dan signifikan dari Good Governance Bisnis Syariah yang baik terhadap pertumbuhan laba bank umum syariah. Hal ini menunjukkan bahwa semakin bank umum syariah menerapkan prinsip-prinsip Good Governance Bisnis Syariah yang baik, maka pertumbuhan labanya akan meningkat secara signifikan. Penelitian ini memberikan wawasan yang berharga bagi bank-bank syariah untuk mengevaluasi kembali sistem Good Governance Bisnis Syariah dan keuangannya agar sejalan dengan prinsip-prinsip syariah. Kata Kunci: Indeks Maqasid Syariah, Good Governance Bisnis Syariah, Bank Umum Syariah, Pertumbuhan Laba, Indonesia.
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Uddin Ahmed, Sarwar, Samiul Parvez Ahmed i Ikramul Hasan. "Why banks should consider ESG risk factors in bank lending?" Banks and Bank Systems 13, nr 3 (10.08.2018): 71–80. http://dx.doi.org/10.21511/bbs.13(3).2018.07.
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Why banks should be concerned about incorporating environmental, social and governance (ESG) criteria in the lending process? What is the motivation? This study aims to find the motives for considering environmental, social and governance (ESG) criteria in bank lending process. A primary survey has been conducted to know the current status and motivation for incorporating ESG factors in investment decisions. Sample comprised 30 private commercial banks (PCBs) operating in Bangladesh. Data collected were analyzed with graphs, descriptive statistics, and regression analysis. Findings of the study indicate that banks are mostly considering basic environmental, social and governance factors set by regulators qualitatively. They are lagging behind in considering the advanced ESG criteria needed for sustainable and efficient credit risk management. Based on motivation for incorporating ESG factors, it was found that banks pioneering in incorporating ESG factors in lending decisions are compensated through better financial performance. Findings of the study are expected to encourage practitioners and policy-makers to take more pragmatic steps to incorporate ESG risk factors quantitatively in lending decision-making process.
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Muliani, Dewi Ayu, Suriani Suriani i Chenny Seftarita. "Determinants of Islamic Banks' Net Income in Middle Eastern Countries". Share: Jurnal Ekonomi dan Keuangan Islam 11, nr 2 (19.12.2022): 408. http://dx.doi.org/10.22373/share.v11i2.15054.
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ABSTRACT – Income is one of the most important performance indicators for Islamic banks; the higher the income, the better their performances. Among all Islamic financial institutions worldwide, Islamic banks in the Middle East are listed as having the largest assets and income. This study examined how inflation, total assets, foreign investment (FDI), and gross domestic product (GDP) affect Islamic bank net income in the Middle East. The research objects are Islamic banks in the Middle East, with the criteria being the oldest Islamic banks with the largest assets, as determined by the IFSB report. The data were collected on an annual basis (2005-2021) and analyzed with the Panel Vectorautoregressive method. The results show that the current income of Islamic banks will have both positive and negative effects one year earlier. Meanwhile, gross domestic product had a negative impact on the net income of Islamic banks in Middle Eastern countries during the previous two years, whereas total assets had a positive impact during the same time period. In addition, neither inflation nor FDI has any effect on net income. The accumulated assets of Islamic banks in the Middle East are substantial and can be used to increase their net income. Additionally, the GDP has a negative impact on the net income of Islamic banks. This demonstrates that enhancement income from the public did not flow to Islamic banks, but rather was redirected to safer, more profitable, and less risky sectors, such as mutual funds, real estate, and stocks. Therefore, an increase in GDP as well as total assets is necessary in order to increase Islamic banks' net income in the Middle East.========================================================================================================ABSTRAK – Determinan Pendapatan Bersih Bank Syariah di Negara Timur Tengah. Pendapatan adalah salah satu indikator kinerja yang penting bagi bank syariah dimana semakin tinggi nilai incomenya, semakin baik pula kinerjanya. Di antara semua lembaga keuangan syariah di dunia, bank-bank syariah di Timur Tengah tercatat memiliki aset dan pendapatan terbesar. Penelitian ini bertujuan mengindentifikasi pengaruh inflasi, total aset, penanaman modal asing, dan produk domestik bruto (PDB) terhadap pendapatan bersih bank syariah di Timur Tengah. Objek penelitian adalah bank syariah di Timur Tengah dengan kriteria menjadi bank tertua dengan aset terbesar yang ditentukan oleh laporan IFSB. Data dikumpulkan secara tahunan (2005-2021) dan dianalisis dengan metode Panel Vectorautoregessive. Hasil kajian menunjukkan bahwa pendapatan bank syariah saat ini akan memiliki efek positif dan negatif satu tahun sebelumnya. Sementara itu, produk domestik bruto berdampak negatif terhadap pendapatan bersih bank syariah di negara-negara Timur Tengah selama dua tahun sebelumnya, sedangkan total aset berdampak positif dalam periode yang sama. Selain itu, baik inflasi maupun penanaman modal asing tidak berpengaruh terhadap pendapatan bersih. Akumulasi aset bank syariah di Timur Tengah sangat besar dan dapat digunakan untuk meningkatkan pendapatan bersih mereka. Kajian juga menunjukkan bahwa PDB memiliki dampak negatif terhadap pendapatan bersih bank syariah. Hasil ini mengindikasikan bahwa pendapatan masyarakat tidak masuk ke bank-bank syariah, tetapi mengalir ke sektor-sektor yang lebih aman, menguntungkan, dan kurang berisiko, seperti reksa dana, real estate, dan saham. Oleh karena itu, peningkatan PDB serta total aset diperlukan untuk meningkatkan laba bersih bank syariah di Timur Tengah.
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Sopiyanti, Vina, Muhammad Iqbal Fasa i Suharto Suharto. "ANALISIS PERAN PEMBIAYAAN BANK SYARIAH TERHADAP PRODUKTIVITAS MASYARAKAT DI ERA DIGITAL". I-ECONOMICS: A Research Journal on Islamic Economics 7, nr 2 (24.01.2022): 112–23. http://dx.doi.org/10.19109/ieconomics.v7i2.10335.
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This study examines the role of Islamic bank financing on community productivity. This study observes that Islamic bank financing has a more significant influence on company growth. Stakeholders such as managers and investors are expected to change their views on Islamic bank financing, which is currently seen as part of a religious practice. This can lead to the use of Islamic bank financing by companies.[1] Islamic banks can play a role in improving people's welfare. Through the intermediation function, Islamic banks can collect funds and channel them back to the community in the form of financing for productive purposes. The purpose of this study is to determine the relationship between Islamic bank financing and community productivity in the digital age and the impact of Islamic bank financing on the Indonesian economy in the digital age. This study uses descriptive qualitative and literature study through the readings of previous researchers. The results of this study reveal that Islamic bank financing plays a role in increasing economic activity and employment. Islamic bank financing provides a positive role to improve economic activities in each sector.
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Sang Tang My i Anh Nguyen Quoc. "BANK CAPITAL AND BANK PROFITABILITY OF VIETNAM COMMERCIAL BANKS". International Journal of Business and Society 24, nr 1 (7.04.2023): 56–65. http://dx.doi.org/10.33736/ijbs.5601.2023.
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The commercial banking system plays an important role in providing capital to businesses and other organizations, so bank capital receives great attention from many different subjects in the economy. This position is even more crucial for Vietnam, a developing country because the corporate bond market is relatively small in comparison to the size of the economy. As a result, commercial bank business efficiency is a problem that requires attention since it has a direct impact on the efficiency with which capital is provided to firms, as well as the market's stability. The research study concerning the effect of bank capital on bank profitability was conducted using data gathered from 22 Vietnam commercial banks from 2011 to 2020, using Pooled OLS, FEM, REM, and GMM methodologies. The results show that bank capital has a negative relationship with profitability. Bank profitability is also positively affected by bank size, credit risk, credit growth, and capital adequacy ratio. This study offers a new understanding of the relationship between bank capital, and bank profitability in Vietnam and proposed implications for Vietnam commercial banks' governance solutions, a country whose financial system depends mainly on banks, has transformed its capital management direction according to Basel 2 guidelines and is preparing for Basel 3 standards.
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Wysocka, Ewa. "Ewolucja regulacji prawnych w bankowości spółdzielczej w Polsce". Studia Iuridica 72 (17.04.2018): 431–56. http://dx.doi.org/10.5604/01.3001.0011.7646.
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Cooperative banking in Poland has more than 150 years of tradition, going back to the period of Partitions. The first Polish credit associations and cooperatives were established in Greater Poland in the years 1861–1862, in the fashion of credit cooperatives for farmers established by Friedrich Raiffeisen and the so-called cooperative “people’s banks” associating craftsmen, that were founded by Franz Schultze. In 1899, on the territory of the Austrian Partition, small credit institutions, the so-called “Stefczyk Savings Unions” (“Kasy Stefczyka”), were created, associating mainly farmers, In the period of the Second Polish Republic (1918–1939), Polish Agricultural Bank (Polski Bank Rolny) was established in Warsaw (1919). The bank’s task was to provide financial backing for agriculture, and in 1921 it was transformed into State Agricultural Bank (Państwowy Bank Rolny), only to become Agricultural Bank (Bank Rolny) in 1948. It was replaced by Food Economy Bank (Bank Gospodarki Żywnościowej), called into being in 1975 as a financial head office for cooperative banks which originated from saving and loan cooperatives. In the period of the Polish People’s Republic (1952–1989), state-cooperative banking was in place. The system and economy transformations that took place after 1989 caused crisis and the necessity of state intervention in the Polish cooperative banking. In the years 1990–1994 efforts were made to fix the cooperative banking system through implementation of the Act of June 24, 1994 on restructuring of cooperative banks and Food Economy Bank and on amendments to certain acts. Food Economy Bank was transformed into a joint-stock company as a bank of the National Association of cooperative banks. Besides, nine regional associations were established in the form of a joint-stock company of cooperative banks, which became shareholders of the national bank. The system and functioning of cooperative banks are currently governed by: Banking Law Act of August 29, 1997, Cooperative Law Act of September 16, 1982 and the Act of December 7, 2000 on functioning of cooperative banks, associating thereof and associating banks. The structure of cooperative banking was based on the division into cooperative banks and associating banks. Two associations of cooperative banks are currently operating in Poland: Bank of the Polish Cooperative Movement (Bank Polskiej Spółdzielczości S.A.) with its seat in Warsaw and Cooperative Banking Group – Bank (Spółdzielcza Grupa Bankowa – Bank S.A.) with its seat in Poznań. All the cooperative banks are covered by the Bank Guarantee Fund and under supervision of the Financial Supervision Authority. In 2015 the Act of December 7, 2000 on functioning of cooperative banks, associating thereof and associating banks was amended due to the changes implemented in the European Union Law (the so-called CRD IV/CRR package). Financial security of cooperative banks was increased through establishment of the Institutional Protection Scheme (IPS). Cooperative banks are an important element for development of the entire Polish banking system. Therefore, the financial supervision over the entire system of banking and Cooperative Savings and Credit Unions (SKOK) should be conducted in appropriate manner.
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Rusydiana, Aam Slamet, i Fatin Fadhilah Hasib. "Islamic Banking Selection Criteria: Case in Indonesia Using Analytic Network Process". Economica: Jurnal Ekonomi Islam 10, nr 1 (31.07.2019): 165. http://dx.doi.org/10.21580/economica.2019.10.1.2846.
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<p>The Islamic banking industry is currently one of the main indicators of the development of Islamic economics in Indonesia. In Islamic banking issue, one of the important issues is related to people's preferences and behavior towards Islamic banks. The study of the criteria for selecting a bank has been the concern of many bank marketing researchers. Compared to conventional, such studies are relatively minimal, especially in Indonesia. This study tries to analyze the preferences and behavior of criteria for selection of Islamic banks in Indonesia through the Analytical Network Process (ANP) approach.The results conclude that the most priority criteria that influence the selection of Islamic banks in Indonesia are service factors and religiosity factors or the suitability of banks with sharia principles. Therefore, Islamic banks need to constantly improve the quality of services both services and products so that they can compete with conventional banks.</p><p>Industri perbankan syariah saat ini merupakan salah satu indikator utama perkembangan ekonomi Islam di Indonesia. Dalam masalah perbankan syariah, salah satu masalah penting adalah terkait dengan preferensi dan perilaku pemilihan masyarakat terhadap bank syariah. Studi tentang kriteria pemilihan bank syariah telah menjadi perhatian banyak peneliti. Studi tersebut relatif minimal jika dibandingkan dengan bank konvensional, terutama di Indonesia. Penelitian ini mencoba menganalisis preferensi dan perilaku pemilihan kriteria bank syariah di Indonesia melalui pendekatan Analytical Network Process (ANP). Hasilnya menyimpulkan bahwa kriteria yang paling prioritas yang mempengaruhi nasabah dalam memilih bank syariah di Indonesia adalah faktor layanan dan faktor religiusitas atau kesesuaian bank dengan prinsip syariah. Oleh karena itu, bank syariah perlu terus meningkatkan kualitas layanan baik produk maupun jasa sehingga mereka dapat bersaing dengan bank konvensional.</p>
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Banowati, Mia Muktiana, i Maimun Sholeh. "FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT MENABUNG DI BANK SYARIAH". Jurnal Ekonomi dan Pendidikan 15, nr 1 (29.10.2018): 20–26. http://dx.doi.org/10.21831/jep.v15i1.20299.
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Penelitian ini bertujuan mengetahui pengaruh pemahaman prinsip tabungan syariah, tingkat religiusitas, faktor sosial budaya, persepsi tentang Bank Syariah baik secara parsial maupun simultan terhadap niat menabung di Bank Syariah pada Mahasiswa Pendidikan Ekonomi Angkatan Tahun 2014 Universitas Negeri Yogyakarta. Jumlah anggota populasi yaitu sebanyak 69 Mahasiswa S1 Program Studi Pendidikan Ekonomi Angkatan Tahun 2014. Dengan teknik analisis regresi linear berganda, menunjukkan bahwa terdapat (1) pengaruh positif pemahaman prinsip tabungan syariah terhadap niat menabung di Bank Syariah; (2) pengaruh positif tingkat religiusitas terhadap niat menabung di Bank Syariah; (3) pengaruh positif faktor sosial budaya terhadap niat menabung di Bank Syariah; (4) pengaruh positif persepsi tentang Bank Syariah terhadap niat menabung di Bank Syariah; dan (5) terdapat pengaruh pemahaman prinsip tabungan syariah, tingkat religiusitas, faktor sosial budaya, persepsi tentang Bank Syariah secara simultan terhadap niat menabung di Bank Syariah pada Mahasiswa Pendidikan Ekonomi Angkatan Tahun 2014. This study aims to determine the effect of understanding the principles of sharia savings, the level of religiosity, socio-cultural factors, perceptions of Islamic banks both partially and simultaneously towards the intention to save at a Sharia Bank for the 2014 Yogyakarta State University Economic Education Students. The number of members of the population is as much as 69 S1 students of the 2014 Economic Education Study Program. With multiple linear regression analysis techniques, it shows that there are (1) positive influences on understanding the principle of sharia savings towards the intention to save in Islamic banks; (2) a positive influence on the level of religiosity on the intention to save in Islamic banks; (3) the positive influence of socio-cultural factors on the intention to save in Islamic banks; (4) the positive influence of perceptions of Islamic banks on the intention to save in Islamic banks; and (5) there is an effect of understanding the principles of sharia savings, the level of religiosity, socio-cultural factors, perceptions of Islamic banks simultaneously towards the intention to save in a Sharia Bank for 2014 Economic Education Students.
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Saghir, Jamal. "Bank on the banks". Nature Energy 4, nr 1 (31.12.2018): 14–15. http://dx.doi.org/10.1038/s41560-018-0314-x.
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Khadidja, Zerigui. "The client’s behaviour towards the bank in Algeria (Public Bank Vs Foreign Bank)". Financial Markets, Institutions and Risks 4, nr 1 (2020): 100–108. http://dx.doi.org/10.21272/fmir.4(1).100-108.2020.
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This paper summarizes the arguments and counterarguments within the scientific discussion regarding the behavioral aspects of customer choice of state or foreign bank banking services. The purpose of the study is to study and analyze the behavior of customers when choosing a bank category (state or foreign) to obtain banking services. In order to test the scientific hypotheses, we conducted a survey of clients and bank managers of 12 banks (6 states and 6 foreign). In Algeria, a separate range of financial transactions (in particular, housing lending and investment programs) is entrusted to state-owned banks only, so clients in Algeria do not leave state-owned banks, even if they also start servicing higher-quality foreign banks. The processing of the survey results showed that the key factors that determine the priorities in choosing clients of a state or foreign bank are: the reputation of the bank; tips from friends or acquaintances advice of a bank employee; accident; bank advertising (for foreign banks only). In addition, the choice of the bank by a client in Algeria is influenced by behavioral and institutional factors such as religion, traditions, and social customs. The survey found that just over half of the customers were satisfied with the services of state-owned banks, while 85% were completely satisfied with new banking technologies, ease of use and time savings among foreign bank clients. The main factors that determine the level of customer satisfaction with banking services are ease of knowing cash and payment for services; highly efficient organization and simplicity of credit mechanisms; adherence to the principles of Islamic finance by some foreign banks (alternative finance, where loans and savings do not imply interest rates); more advanced banking services (mainly for foreign banks). Keywords: bank, state bank, foreign bank, customer, competition, bank reputation, banking.
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Taqi, Dr Mohd, i Maj S. M. Mustafa. "Financial Analysis of Public and Private Sector Banks of India: A Comparative Study of Punjab National Bank and HDFC Bank". International Academic Journal of Business Management 05, nr 01 (14.06.2018): 26–47. http://dx.doi.org/10.9756/iajbm/v5i1/1810003.
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Cakranegara, Pandu Adi. "KONVERGENSI BANK DAN KETAHANAN BANK TERHADAP PANDEMI". Jurnal Dinamika Ekonomi Pembangunan 4, nr 1 (28.01.2021): 376–82. http://dx.doi.org/10.33005/jdep.v4i1.197.
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Book bank 4 is the bank with the largest number of assets and controls more than half of the banking market in Indonesia. Since the early 2000s BUKU 4 bank is an exclusive club consisting of the 4 largest banks in Indonesia. This changed in 2017 when CIMB Niaga bank entered BUKU 4 bank and a year later Panin bank joined. This study examines what factors underlie these banks can merge into a BUKU 4 bank. Further this research then examines the resilience of BUKU 4 banks to the pandemic. The research method is a quantitative method using multiple linear regression. The research uses data taken from the financial statements of 2010 to 2018. The results show that the factors that drive the convergence of banks are the factors of capital adequacy, low borrowing loans and operational efficiency of banking. Meanwhile, in order for banks to survive this research finds investment factors in technology, maintaining capital adequacy and unpaid debt management.
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Faizatunazilla, Aulia Julian, i Siti Jamilah. "DRAMATURGY: RIBA ON HOME OWNERSHIP LOAN IN ISLAMIC BANKING (CASE STUDY ON BANK BTN SYARIAH KCPS CIPUTAT, TANGERANG SELATAN)". BASKARA : Journal of Business and Entrepreneurship 3, nr 1 (26.01.2021): 25. http://dx.doi.org/10.24853/baskara.3.1.25-34.
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The purpose of this study was to determine usury behavior in the Housing Loan or Credit in Islamic banks and to determine the application of the existing contract system in Housing Loans in Islamic banks using the dramaturgy method. The data used in this study is primary data, where researchers conducted interviews directly with the Bank BTN Syariah KCPS Ciputat, a member of the Sharia Supervisory Board and one of the customers who used a House Ownership Credit product at an Islamic bank. The results of this study can be concluded that the front stage that the bank shows to the public is in accordance with the back stage that the bank does not show to the public and Bank BTN Syariah KCPS Ciputat conducts its business in accordance with Islamic law and the fatwa of the National Sharia Council. So that in this study Bank BTN Syariah KCPS Ciputat does not have usury in its business.
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Sulistiyaningsih, Nur, i Shul Thanul Azkar Shultan. "Potensi Bank Syariah Indonesia (BSI) dalam Upaya Peningkatan Perekonomian Nasional". Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam 24, nr 1 (7.06.2021): 33–58. http://dx.doi.org/10.15642/alqanun.2021.24.1.33-58.
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The merger of three BUMN Sharia Banks namely BRI Syariah (BRIS), Mandiri Syariah Mandiri (BSM), and BNI Syariah (BNIS) which became Bank Syariah Indonesia (BSI) brought new breakthroughs and led the bank to be ranked 7th national bank based on assets. . The government has high hopes for the usefulness of the Indonesian Sharia Bank because it is a momentum that will affect public awareness of the Islamic financial industry, especially Islamic banking. However, behind the opportunities for an industry there is a challenge that must be resolved, as for the challenge is related to increasing financial literacy, how to adapt a new work culture which of course between the three previous Islamic banks has different characteristics, bank management which ensures that integration runs well without sacrificing previous quality resources, and how to create competitive financial services and be able to accommodate and facilitate financing related to MSMEs. Bank Syariah Indonesia can make the Islamic finance industry compete both regionally and internationally so that it can help develop national economy. Abstrak: Merger yang dilakukan terhadap tiga Bank Syariah BUMN yaitu BRI Syariah (BRIS), Mandiri Syariah Mandiri (BSM), dan BNI Syariah (BNIS) yang menjadi Bank Syariah Indonesia (BSI) membawa terobosan baru dan mengantarkan bank tersebut menjadi peringkat 7 bank nasional berdasarkan aset. Pemerintah menaruh harapan besar terhadap kebermanfaatan dari Bank Syariah Indonesia karena merupakan sebuah momentum yang akan mempengaruhi kesadaran masyarakat terhadap industri keuangan syariah terutama perbankan syariah. Namun, dibalik peluang suatu industri terdapat sebuah tantangan yang harus diselesaikan, adapun tantangan tersebut ialah berkaitan dengan peningkatan literasi keuangan, bagaimana mengadaptasi budaya kerja baru yang tentu di antara ketiga bank syariah sebelumnya memiliki karakteristik yang berbeda, manajamen bank yang memastikan bahwa integrasi berjalan baik tanpa mengorbankan Sumber Daya berkualiatas sebelumnya, dan bagaimana caranya membuat jasa keuangan yang dapat bersaing serta mampu mengakomodir dan memfasilitasi pembiayaan yang berkaitan dengan UMKM. Bank Syariah Indonesia dapat menjadikan industri keuangan syariah bersaing baik tingkat regional maupun internasional sehingga dapat membantu pembangunan perkonomian nasional.
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Bella, VIOLA, i Renny Oktafia. "ANALISIS RASIO LIKUIDITAS DAN RASIO SOLVABILITAS UNTUK MENLAI KINERJA KEUAGAN PADA PT. BANK CIMB NIAGA TBK". Account 10, nr 2 (4.12.2023): 2073–81. http://dx.doi.org/10.32722/account.v10i2.5776.
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Adanya kondisi kelajuan pada perekonomian dari suatu bangsa tentunya dihasut atas aksi ekonominya pada bangsa terkandung. Seluruh aksi ialah roda penggerak bagi aksi ekonomi bang perannya penting bagi negara tersebut. Bentala perbankan ialah sebuah institusi bang amat berkedudukan dalam bidang perekonomian sebuah bangsa.Pada penelitian kali ini memakai kaidah deskriptif dengan pendekatan kuantitatif yakni mengelolah dengan data senyatanya, setelahnya dihitung, dibandingkan, serta diuraikan hasil dari perhitungan tersebut laporan keuangan PT. Bank CIMB Niaga Tbk. Salah satu lembaga finansial perbakan yang berkembang ialah Bank CIMB Niaga. PT Bank CIMB Niaga ialah bank swasta anak usaha CIMB dan merupakan perusahaan yang melayani jasa keuangan. CIMB Niaga dibentuk pada 26 September 1955 julukan Bank Niaga. Juntrungannya ialah melenggekkan skoir inti serta kemahiran di bidang perbankan. Alhasil, Bank Niaga melenggang sebagai distributor produk serta akomodasi bermutu yang terikikadkan. Adapun apresiasi yang didapat oleh Bank CIMB Niaga ialah meraup tiga apresiasi pada kancah Asian Banking and Finance (ABF) Corporate & Investment Banking Awards 2022. Oleh sebab itu, perlu adanya penyelenggaraan manajemen perbankan yang baik serta diakomodasi oleh sumber daya.
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Sudaryanti, Dedeh Sri, Nana Sahroni i Ane Kurniawati. "ANALISA KINERJA KEUANGAN DAN PENGARUHNYA TERHADAP KEMAMPUAN PENYALURAN KREDIT PADA BANK PERSERO DI INDONESIA". BanKu: Jurnal Perbankan dan Keuangan 2, nr 1 (1.03.2021): 1–13. http://dx.doi.org/10.37058/banku.v2i1.2768.
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ABSTRACTThis study used to aim at analyzing financial performance proxied by variable third party funds (DPK), non-performing loans (NPLs), and capital adequacy ratios (CAR) on the ability of bank lending. The study was conducted at a Persero bank in Indonesia in the period 2010-2017. Panel data regression analysis tool is used to analyze the effect of DPK, NPL, and CAR on the ability of bank lending. The results of the study found that DPK had a positive effect on bank lending. NPL has a negative effect on bank lending. NPLs reflect credit risk, the higher the level of NPL, the greater the credit risk borne by the bank. CAR has a positive effect on bank lending. There is a positive influence between CAR and the ability to extend credit to banks. Every increase in CAR percentage will increase the ability of bank lending. If the bank has capital above 8% or more, then the bank can be said to have sufficient capital to distribute credit, and shows the better banks in providing capital to the public so that it will increase the ability of banks in lending.Keywords: financial performance, credit; funding; non performing loan; capital adequacy ratio. ABSTRAKPenelitian ini bertujuan untuk menganalisis kinerja keuangan yang diproksikan dengan variabel dana pihak ketiga (DPK), non performing loan (NPL), dan capital adequacy ratio (CAR) terhadap kemampuan penyaluran kredit bank. Penelitian dilakukan pada bank Persero di Indonesia periode tahun 2010-2017. Alat analisis regresi data panel digunakan untuk menganalisis pengaruh DPK, NPL, dan CAR terhadap kemampuan penyaluran kredit bank. Hasil penelitian menemukan bukti DPK berpengaruh positif terhadap penyaluran kredit bank. NPL berpengaruh negatif terhadap penyaluran kredit bank. NPL mencerminkan risiko kredit, semakin tinggi tingkat NPL maka semakin besar pula risiko kredit yang ditanggung oleh pihak bank. CAR berpengaruh positif terhadap penyaluran kredit bank. Terdapat pengaruh positif antara CAR dengan kemampuan penyaluran kredit pada bank. Setiap naik prosentase CAR akan meningkatkan kemampuan penyaluran kredit bank. Jika bank memiliki modal diatas 8% atau lebih, maka bank dapat dikatakan memiliki kecukupan modal untuk menyalurkan kreditnya, dan menunjukan semakin baik bank dalam menyediakan modal bagi masyarakat sehingga akan meningkatkan kemampuan bank dalam penyaluran kredit.Kata Kunci: kinerja keuangan; kredit; dana pihak ketiga; non performing loan; capital adequacy ratio
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Alam, Md Mahbub, i Wan Sallha Yusuf. "DETERMINANTS OF BANK-SPECIFIC, BANK-RISK AND BANK STABILITY OF THE BANGLADESHI CONVENTIONAL BANKS". International Journal of Entrepreneurship and Management Practices 7, nr 25 (13.06.2024): 53–66. http://dx.doi.org/10.35631/ijemp.725006.
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The primary objective of this research is to analyze the effect of bank-specific and risk determinants on conventional banks' z-scores in Bangladesh from 2011 to 2021. This study used panel linear regression and panel corrected standard error (PCSEs) to estimate the model. Capital adequacy, asset quality, income diversification, bank competition, managerial efficiency, and profitability (return on equity) are used as proxies for bank-specific and liquidity risk; Sensitivity to marketing risk is used as a proxy for bank risk, while the bank size is used as a control variable and Z-scores are used as a proxy for measurement of bank stability. The main results indicate that capital adequacy, bank competition, and managerial efficiency are negative, but asset quality, income diversification, and profitability (ROE) are positively related to the Z-score. The results further indicate that determinants of bank risk, such as liquidity risk and marketing risk, negatively impact the Z-score. The control variable bank size has a positive impact on the Z-score. Based on our results, authorities in Bangladesh may develop rules for managing operations and ensuring bank stability.
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Suwinto Johan, Andreas Dan. "Analisis Kinerja Bank-Bank Jepang Versus Bank-Bank Asing Non Jepang di Indonesia". Jurnal Manajemen Bisnis dan Kewirausahaan 4, nr 1 (10.01.2020): 77. http://dx.doi.org/10.24912/jmbk.v4i1.6804.
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Analisa kinerja Bank-Bank Jepang versus Bank-Bank Asing Non Jepang di Indonesia was method how people realize when placed their money. This research was important to be studied to find out performance of Japanese Banking beside foreign banking in Indonesia in 5 years form period 2013-2019. This research studies based on liquidity ratios, leverage ratios, activity ratios, profitability ratios, and managerial implications. researcher using t-test, sign test, and wilocoxon test for supported this research. This research can be conclusion about cause of difference and raised financial performance between Japan Bank and foreign Bank because, there are factors that infulnce Japanese banks' capital adequacy which pay great attention to lending in Indonesia. than non-Japanese foreign banks in Indonesia.
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Ihsan, Ichwan Nur, Yana Ulfah i Musdalifah Azis. "Analisis Perbandingan Kinerja Keuangan Bank Melalui Pendekatan Likuiditas Solvabilitas dan Rentabilitas". JURNAL MANAJEMEN 9, nr 1 (9.01.2018): 24. http://dx.doi.org/10.29264/jmmn.v9i1.2430.
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Penelitian ini bertujuan untuk menganalisis kinerja keuangan meningkat atau menurun jika ditinjau melalui likuiditas, solvabilitas dan rentabilitas pada Bank BNI dibandingkan dengan Bank BNI Syariah periode 2013-2015. Dalam penelitian ini menggunakan tiga rasio yaitu rasio likuiditas (current ratio dan Loan to Deposit Ratio), rasio solvabilitas (Debt to Equity Ratio dan Capital Adequacy Ratio) dan rasio rentabilitas (Return on Assets dan Retun on Equity). Hasil penelitian pada rasio likuiditas pada Bank BNI dan Bank BNI Syariah pada tahun 2013-2015 dilihat dari hasil perhitungan rata-rata pada Bank BNI (115,43%) dan Bank BNI Syariah (110,5%) adalah Kurang Baik yang mana menurut kriteria Bank Indonesia adalah > 125%. Sedangkan rata-rata loan to deposit ratio pada Bank BNI (87,3%) dan Bank BNI Syariah (94,13%) adalah baik yang mana menurut kriteria Bank Indonesia adalah Baik karena > 78%. Rasio solvabilitas pada Bank BNI dan Bank BNI Syariah pada tahun 2013-2015 dilihat dari analisis debt to equity ratio kinerja keuangan rata-rata perhitungan dari Bank BNI (616,54%) dan Bank BNI Syariah (269,08%) adalah Baik yang mana menurut kriteria Bank Indonesia adalah baik karena > 8%. Sedangkan capital adequacy ratio dapat dikatakan baik karena rata-rata capital adequacy ratio pada Bank BNI (44,9%) dan Bank BNI Syariah (17,82%) adalah Baik yang mana menurut kriteria Bank Indonesia adalah Baik karena > 8%. Dan rasio rentabilitas pada Bank BNI dan Bank BNI Syariah pada tahun 2013-2015 dilihat dari return on assets dapat dikatakan baik karena rata-rata return on assets pada Bank BNI (3,2%) dan BNI Syariah (1,36%) yang dilihat dari rata-rata perhitungan adalah baik yang mana menurut kriteria Bank Indonesia adalah Baik karena > 1,22%. Sedangkan pada hasil return on equity kinerja keuangan pada Bank BNI (21,1%) adalah baik sedangkan pada Bank BNI Syariah (10,62%)adalah kurang baik yang mana menurut kriteria Bank Indonesia kriteria Baik adalah > 17,5%.
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Gorton, Gary, Toomas Laarits i Tyler Muir. "1930: first modern crisis". Financial History Review 30, nr 3 (grudzień 2023): 277–307. http://dx.doi.org/10.1017/s0968565023000124.
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Modern financial crises are difficult to explain because they do not always involve bank runs, or the bank runs occur late. For this reason, the first year of the Great Depression, 1930, has remained a puzzle. Industrial production dropped by 20.8 percent despite no nationwide bank run. Using cross-sectional variation in external finance dependence, we demonstrate that banks’ decision to not use the discount window and instead cut back lending and invest in safe assets can account for the majority of this decline. In effect, the banks ran on themselves before the crisis became evident.
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GUNA, I. NYOMAN ARIANA. "ANALISIS PENGELOMPOKAN BANK UMUM KONVENSIONAL DI INDONESIA DENGAN METODE K-MEANS CLUSTERING". GANEC SWARA 17, nr 1 (4.03.2023): 93. http://dx.doi.org/10.35327/gara.v17i1.374.
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The purpose of this study is to determine the grouping of conventional commercial banks in Indonesia which include healthy, unhealthy and unhealthy bank clusters. Data analysis was performed using the K-Means Clustering methodBased on the data analysis, the results are (1) there are three conventional commercial banks which are categorized as healthy bank groups or clusters, namely: Bank Rakyat Indonesia, Bank Mandiri and Bank Central Asia; (2) there are nine conventional commercial banks that fall into the category of unhealthy bank groups or clusters, namely: West Java and Banten Banks, BTPN Bank, CIMB Niaga Bank, Danamon Bank, DBS Indonesia Bank, Maybank Indonesia Bank, OCBC NISP Bank, Panin Bank and Permata Bank; (3) there are 32 conventional commercial banks which are categorized as unhealthy bank groups or clusters, namely: Bali BPD Bank, Yogyakarta Special Region BPD Bank, DKI Bank, Central Java Bank, East Java Bank, West Kalimantan Bank, East Kalimantan Bank, Lampung Bank , West Sumatra Bank, Papua Bank, South Sulawesi and West Sulawesi Bank, North Sulawesi Bank, North Sumatra Bank, ANZ Indonesia Bank, Bumi Arta Bank, Capital Indonesia Bank, CCB Indonesia Bank, Commonwealth Bank, CTBC Bank Indonesia, Ganesha Bank, Bank HSBC Indonesia, Bank ICBC Indonesia, Bank Ina Perdana, Bank KB Bukopin, Bank KEB Hana Indonesia, Bank Mega, Bank Multiarta Sentosa, Bank Resona Perdania, Bank of America, Bank of China, Citibank and Standard Chartered.
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Caballero, I., J. M. Olano, A. L. Luzuriaga i A. Escudero. "Spatial coherence between seasonal seed banks in a semi-arid gypsum community: density changes but structure does not". Seed Science Research 15, nr 2 (czerwiec 2005): 153–60. http://dx.doi.org/10.1079/ssr2005206.
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Seed banks play a crucial role in arid plant communities because they confer stability and long-term persistence. However, seed banks have high temporal and spatial variability, with dramatic changes in density and composition. The aim of this study was to test whether seasonal change affected seed bank community structure and spatial pattern. Moreover, we wanted to know if the effect driven by environmental factors on the seed bank was constant year round. We sampled the seed bank at 188 points along seven parallel transects through a gypsum system in central Spain. Soil samples were taken twice (September and April) in contiguous plots. In each plot we measured environmental parameters, including micro- and macroslope, vegetation band, shrub cover, lichen crust cover and landform. A nearly threefold decrease in seed bank density occurred between September (16,230 seeds m–2) and April (5960 seeds m–2). Seasonal changes in density varied widely among species; however, a seed bank was present for most species at both sampling dates. For several well-studied species (Lepidium subulatum and Helianthemum squamatum), seed losses were within the range of losses by emergence reported in the literature. In both seasons, seed bank composition was controlled mainly by community band and microslope. Sampling season had a significant, but minor effect on seed bank composition. Moreover, a high spatial correlation existed in terms of seed density and richness through the two studied seasons. These results show that the seed bank keeps a constant structure even under substantial variation in density.
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Suhartono, Suhartono, Ai Halimah, Taat Kuspriyono, Abdurrachman, Lukman Hakim i Vera Agustina Yanti. "Pengaruh resiko kredit terhadap profitabilitas bank (Studi pada Bank Mandiri, Bank BNI dan Bank BRI)". JAE (JURNAL AKUNTANSI DAN EKONOMI) 8, nr 1 (11.03.2023): 20–30. http://dx.doi.org/10.29407/jae.v8i2.18906.
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This research is motivated by Credit Risk and Profitability that occurs in National Banks, namely Bank BRI, Bank Mandiri, and Bank BNI in 2012 - 2021. This study analyzes the effect of credit risk using Non Performing Loans (NPL) while profitability uses Return On Assets (ROA). ). The research method is descriptive quantitative with observations and analytical techniques used are classical assumption test and simple linear regression test. The data used is secondary data obtained from the financial statements of Bank BRI, Bank Mandiri and Bank BNI. The sample used in this study amounted to 30 samples from 3 national banks with a total period of 10 years for each bank. The results showed that there was an influence of the credit risk variable (NPL) on profitability (ROA) with an effect of 0.729 or 72.9%. T test shows that NPL has a significant negative effect on ROA and the hypothesis is accepted. If the NPL rises, it will reduce profitability. The novelty of this research is that there are comparisons from several banks and the latest data observation period is 2012-2021.
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Sulistiawaty, Deska, Sri Indarti i Eka Armas Pailis. "EFFECT OF PRODUCT QUALITY, SERVICE QUALITY AND PROMOTION ON CUSTOMER SATISFACTION AND SAVING DECISIONS IN PT. BANK RIAU KEPRI". Jurnal Manajemen dan Bisnis 10, nr 1 (30.06.2021): 36–47. http://dx.doi.org/10.34006/jmbi.v10i1.252.
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Changes in the banking industry are increasingly fast making banks have to respond to everything that happens, the main problem facing banks today is retaining customers and being closer to customers and making customers loyal so that the bank can develop. The research was conducted at PT Bank Riau Kepri Main Branch. The aim is to determine the direct effect of product quality, service quality and promotion on customer satisfaction and the decision to save back at PT. Bank Riau Kepri.
This study took a sample of 400 customers. The variables used are product quality, service quality, promotion, customer satisfaction and the decision to save again. This study used quantitative methods and the data were analyzed using Structural Equation Modeling analysis.
The results showed that product quality had a significant effect on customer satisfaction, service quality had a significant effect on customer satisfaction, promotion had a significant effect on customer satisfaction, product quality had a significant effect on the decision to save again through customer satisfaction Service quality had a significant effect on decisions to save again through customer satisfaction. has a significant effect on the decision to save back through customer satisfaction and customer satisfaction has a significant effect on the decision to save back at PT. Bank Riau Kepri Main Branch. The higher the level of customer satisfaction, the decision to save back at Bank Riau will increase
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Hariani, Hariani. "Analisis Proporsi Tingkat Kesehatan Bank Menggunakan Pendekatan RGEC pada PT. Bank BNI ( Persero), Bank Mandiri (Persero) dan Bank BRI (Persero) Periode 2014-2018". Jurnal Ilmu Manajemen Sosial Humaniora (JIMSH) 3, nr 2 (21.07.2021): 92–102. http://dx.doi.org/10.51454/jimsh.v3i2.121.
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Penelitian ini bertujuan untuk menganalisis Tingkat Kesehatan PT. Bank Negara Indonesia (Persero), Bank PT. Mandiri (Persero) dan Bank Rakyat Indonesia.(Persero). Secara Metafora dengan Metode RGEC (Risk Profile Good Corpoeate Governance Earnings Capital). Tahun 2014-2018. Jenis penelitian yang digunakan yaitu deskripsi kuantitatif. Hasil penelitian menunjukkan tingkat kesehatan Bank BNI, Bank Mandiri dan Bank BRI. Dengan ini dikatakan sehat ditahun 2014-2018. Indikator risiko kredit memperoleh predikat sehat dengan indikator risiko likuiditas ketiga bank memperoleh predikat yang sehat . penilaian Good Corporate Governance (GCG) berdasarkan Self Assessment menunjukan Bank BNI predikat baik, Bank Mandiri predikat sangat baik dan Bank BRI predikat baik. Penilaian laba dari analisis rasio ROA dan NIM serta penilaian Modal berdasarkan analisis niali CAR menunjukkan bahwa Bank BNI, Bank Mandiri dan BRI memperoleh predikat sangat baik.
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Kurniasih, Endah Tri, i Ade Irma Suryani. "ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DENGAN BANK KONVENSIONAL". Journal Development 5, nr 1 (19.06.2017): 99–109. http://dx.doi.org/10.53978/jd.v5i1.48.
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Penelitian ini bertujuan untuk mengetahui dan menganalisis kinerja keuangan bank syariah (PT. Bank Syariah mandiri.), dan Bank konvensional (PT. Bank Tabungan Negara Tbk.) jika dilihar dari Rasio Likuiditas, Rasio Rentabilitas, dan Rasio Solvabilitas serta untuk mengetahui perbedaan tingkat kinerja keuangan Bank syariah (PT. Bank Syariah mandiri.), dengan bank konvensional ( PT. Bank Tabungan Negara, Tbk.). Hasil Penelitian ini yaitu : Bank Syariah (PT. Bank Syariah mandiri.) maupun bank konvensional (PT. Bank Tabungan Negara) sama-sama mengalami kinerja keuangan yang cenderung berfluktuatif jika dilihat dari kelompok Rasio Likuiditas, Rentabilitas dan Solvabilitas, namun kinerja keuangannya masih tergolong cukup sehat karena secara umum dari seluruh rasio tersebut tidak melewati batas yang telah ditetapkan oleh Bank Indonesia. Bank Syariah mandiri dapat dikatakan memiliki kinerja keuangan yang lebih baik dibandingkan dengan Bank Tabungan Negara jika dilihat dari Rasio Likuiditas, sedangkan Bank Tabungan Negara dikatakan memiliki kinerja keuangan yang lebih baik jika dilihat dari rasio rentabilitas dan jika dilihat dari Rasio Solvabilitas Bank Syariah Mandiri dapat dikatakan memiliki kinerja keuangan yang lebih baik dibandingkan dengan bank tabungan negara,sehingga dapat dinyatakan secara umum kinerja keuangan Bank Syariah Mandiri lebih baik dibandingkan dengan kinerja leuangan Bank Tabungan negara
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Aliyah, Hikmatul, Denia Maulani i Asti Marlina. "Efficiency Analysis of Sharia Regional Development Banks in Indonesia Using Two-Stages Data Envelopment Analysis". Moneter: Jurnal Keuangan dan Perbankan 11, nr 1 (17.04.2023): 102–9. http://dx.doi.org/10.32832/moneter.v11i1.172.
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The main objective of this study is to evaluate the efficiency level of Sharia Regional Development Banks between 2014 and 2017 using the Data Envelopment Analysis (DEA) method. The efficiency analysis results indicate that the efficiency level of Sharia Regional Development Banks during the study period from 2014 to 2017 was quite fluctuating. In 2014, five Sharia Regional Development Banks showed inefficiency, namely Bank DIY Syariah, Bank Jateng Syariah, Bank Jatim Syariah, Bank Kalsel Syariah, and Bank NTB Syariah. In 2015, four Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Jatim Syariah, Bank Kaltimtara Syariah, and Bank NTB Syariah. In 2016, five Sharia Regional Development Banks showed inefficiency, namely Bank Jateng Syariah, Bank Sulselbar Syariah, Bank Kaltimtara Syariah, Bank NTB Syariah, and Bank Jatim Syariah. However, in 2017, only two Sharia Regional Development Banks showed inefficiency, namely Bank Jatim Syariah and Bank Kaltimtara Syariah.
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Yana Sisca, Yesy, i Putra Hadi. "Analisis Komparatif Kinerja Keuangan BANK Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) di Indonesia Periode 2015-2022". Rayah Al-Islam 7, nr 3 (28.12.2023): 1655–67. http://dx.doi.org/10.37274/rais.v7i3.879.
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Kinerja keuangan sebuah perusahaan sangatlah penting. Selain untuk evaluasi perusahan tersebut, kinerja keuangan juga dibutuhkan oleh stakeholders (investor, konsultan keuangan, kreditur, dan pemerintah). penetian ini bertujuan untuk melakukan analisis dan membandingkan Kinerja Keuangan Bank Syariah yang terdiri atas Bank Umum Syariah dan Unit Usaha Syariah di Indonesia periode 2019-2022. penelitian ini menggunakan analisis rasio keuangan atau FRA. Variabel bebas pada penelitian ini yaitu ROA, ROE, LAR, DER, dan DAR. Sumber data yang digunakan dalam penelitian ini adalah data sekunder berupa laporan keuangan tahunan bersumber dari masing-masing bank dan website dari OJK (Otoritas Jasa Keuangan). beberapa pengujian mulai dari analisis deskriptif, uji normalitas, dan uji Mann-Whitney. Hasil penelitian ini menunjukkan adanya perbedaan signifikan dilihat dari data output SPSS bahwa Bank Mega Syariah mencapai kinerja tertinggi dengan ROA dan ROE puncak pada 2021. Meskipun Bank Panin Dubai Syariah mencatat ROA dan ROE terendah, Unit Usaha Syariah, terutama Bank BPD Kalsel, menunjukkan kinerja yang lebih baik dibandingkan rata-rata Bank Umum Syariah. Secara umum, Bank Umum Syariah menunjukkan rasio LAR, DAR, dan DER yang lebih rendah, mencerminkan stabilitas dan manajemen risiko yang lebih baik dibandingkan dengan Unit Usaha Syariah.Saran dari peneliti harapan kedepannya bank syariah mampu memberikan pembiayaan pada sektor produktif yang lebih luas.
Financial performance of a company is crucial, serving not only for the evaluation of the company itself but also as essential information for stakeholders such as investors, financial consultants, creditors, and government entities. This research aims to conduct an analysis and comparison of the financial performance of Islamic Banks, consisting of Islamic Commercial Banks and Islamic Business Units in Indonesia, for the period 2019-2022. The study employs Financial Ratio Analysis (FRA) with independent variables including Return on Assets (ROA), Return on Equity (ROE), Loan to Asset Ratio (LAR), Debt to Equity Ratio (DER), and Deposit to Asset Ratio (DAR). The data source for this research is secondary data derived from annual financial reports of each bank and the Otoritas Jasa Keuangan (OJK) website. Several tests were conducted, including descriptive analysis, normality test, and Mann-Whitney test. The research results indicate significant differences, as evidenced by the SPSS output data, where Bank Mega Syariah achieved the highest performance with peak ROA and ROE in 2021. Despite recording the lowest ROA and ROE, Bank Panin Dubai Syariah, particularly the Islamic Business Unit, especially Bank BPD Kalsel, demonstrated better performance compared to the average Islamic Commercial Banks. In general, Islamic Commercial Banks exhibited lower LAR, DAR, and DER ratios, reflecting better stability and risk management compared to Islamic Business Units. The researcher's recommendation is for Islamic banks to focus on providing financing to a broader range of productive sectors in the future
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Nusron, Lulu Amalia. "Analisis Perbandingan Risiko Keuangan Bank Konvensional dengan Bank Syariah". Journal of Business and Information Systems (e-ISSN: 2685-2543) 2, nr 1 (9.02.2020): 21–31. http://dx.doi.org/10.36067/jbis.v2i1.33.
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ABSTRACT
This study aims to compare financial risks in conventional banks with Sharia banks in Indonesia in the 2014-2018 period. The research object consisted of 8 banks, namely 4 conventional banks (BNI, BRI, BCA, and Mandiri) and 4 Islamic banks (BNIS, BRIS, BCAS, and Mandiri Syariah). The data ratio or source used is secondary data obtained from the official website IDX, in the form of the bank's 2014-2018 annual financial statements. The ratios used include: NPL / NPF for credit risk, LDR / FDR for liquidity risk, BOPO for operational risk, and NIM / NOM for market risk. This research uses t-test and Mann Whitney test different analysis techniques. Based on the results of data processing using the SPSS version 23 program, it is concluded that: 1) there is no difference in credit risk and liukidity risk conventional banks and Islamic banks. 2) there are differences in terms of operational risk and market risk a conventional bank and a sharia bank
Keyword: financial risk, conventional banks, and Islamic banks.
ABSTRAK
Penelitian ini memiliki tujuan untuk membandingkan tentang risiko keuangan pada bank konvensional dengan bank Syariah di Indonesia periode tahun 2014-2018. Objek penelitian terdiri dari 8 bank, yaitu 4 bank konvensional (BNI, BRI, BCA, dan Mandiri) dan 4 bank syariah (BNIS, BRIS, BCAS, dan Mandiri Syariah). Sumber data berupa data rasio atau sekunder yang didapat dari web IDX., yang berupa laporan keuangan tahunan bank periode 2014-2018. Adapun rasio yang digunakan antara lain: NPL/NPF untuk risiko kredit, LDR/FDR untuk risiko likuiditas, BOPO untuk risiko operasional, dan NIM/NOM untuk risiko pasar. Penelitian ini menggunakan teknik analisis uji beda t-tes dan Mann Whitney. Berdasarkan hasil olah data menggunakan program spss versi 23, diperoleh kesimpulan bahwa: 1) tidak terdapat perbedaan dalam hal risiko kredit dan risiko likuiditas bank konvensional dan bank syariah 2) terdapat perbedaan dalam hal risiko operasional dan risiko pasar bank konvensional dengan bank syariah.
Kata kunci: risiko keuangan, bank konvensional, dan bank syariah.
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Biasmara, Hanif Artafani, i Pande Made Rahayu Srijayanti. "Mengukur Kinerja Pra Merger Tiga Bank Umum Syariah dan Pengaruhnya Terhadap Return on Asset". Moneter - Jurnal Akuntansi dan Keuangan 8, nr 1 (1.04.2021): 70–78. http://dx.doi.org/10.31294/moneter.v8i1.9977.
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Abstrak - Pada tahun 2020, telah ditetapkan pelaksanaan merger antara tiga Bank Umum Syariah yang merupakan anak perusahaan dari Bank Badan Usaha Milik Negara (BUMN). Dimana ketiga bank tersebut adalah PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, dan PT Bank BNI Syariah. Penelitian ini dilakukan untuk mengukur kinerja keuangan ketiga bank tersebut sebelum dilakukannya merger dan pengaruhnya terhadap Return on Asset (ROA). Dalam penelitian ini, kinerja keuangan akan diukur dengan variabel Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Biaya Operasional dan Pendapatan Operasional (BOPO), dan persentase pertumbuhan Dana Pihak Ketiga (DPK). Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh melalui laporan keuangan tahunan dari masing-masing bank dengan periode tahun 2015-2019. Dimana data diolah dan dianalisis dengan menggunakan Regresi Linear Data Panel melalui perangkat lunak Stata 16. Kinerja ketiga Bank Umum Syariah sebelum dimerger menunjukkan hasil yang baik. Selama lima tahun terakhir CAR dan NPF memiliki kinerja yang memuaskan. FDR dan BOPO berada sedikit melenceng dari batas minimum ataupun maksimum. Berikutnya, pertumbuhan DPK rata-rata sebesar 15, 89333%. Seluruh variabel kinerja bank tersebut setelah dilakukan pengolahan data, menunjukkan bahwa variabel CAR, FDR, NPF, BOPO, dan pertumbuhan DPK bersama-sama memiliki pengaruh signifikan terhadap ROA. Sedangkan secara parsial, CAR, NPF, dan pertumbuhan DPK tidak memiliki pengaruh signifikan terhadap ROA. Tetapi FDR dan BOPO memiliki pengaruh signifikan terhadap ROA. Dimana melalui penelitian ini diharapkan dapat menjadi pertimbangan bagi PT Bank Syariah Indonesia Tbk dalam upaya memperoleh kinerja yang baik dan pertumbuhan profitabilitas yang tinggiKata Kunci: CAR, FDR, NPF, BOPO, Pertumbuhan DPK, ROA, Bank Umum Syariah Abstract - In 2020, the implementation of a merger between three Islamic Commercial Banks which are subsidiaries of the State-Owned Enterprise (BUMN) Bank has been determined. Where the three banks are PT Bank Syariah Mandiri, PT Bank BRIsyariah, Tbk, and PT Bank BNI Syariah. This research was conducted to measure the financial performance of the three banks before the merger, and their effect on Return on Assets (ROA). In this study, financial performance will be measured by the variable Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Operational Costs and Operating Income (OEOI), and the percentage growth in Third Party Funds (TPF).The data used in this study is secondary data obtained through the annual financial reports of each bank for the period 2015-2019. Where the data is processed and analyzed using Linear Data Panel regression through Stata 16. The performance of the three Islamic Commercial Banks before the merger showed good results. Over the last five years, CAR and NPF have performed satisfactorily. FDR and BOPO have slightly deviated from the minimum or maximum limits. Next, the growth in deposits was an average of 15.89333%. All of these bank performance variables, after data processing, show that the variables CAR, FDR, NPF, OEOI, and TPF growth together have a significant effect on ROA. Meanwhile, partially, CAR, NPF, and TPF growth have not a significant effect on ROA. However, FDR and BOPO have a significant effect on ROA. Where through this research it is hoped that in the future it can be a consideration for PT Bank Syariah Indonesia, Tbk to obtain good performance and high profitability growth.Keywords: CAR, FDR, NPF, OEOI, TPF Growth, ROA, Islamic Commercial Banks
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Agustin, Dwi Puspita. "ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC PADA BANK BUMN PERIODE 2017-2020". BALANCING: Accountancy Journal 1, nr 2 (4.10.2021): 77–90. http://dx.doi.org/10.53990/bjpsa.v1i2.127.
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Bank as an intermediary institution that is trusted to collect funds and channel them back to the community. In its activities, the bank must demonstrate the level of soundness as required. The bank soundness assessment system is regulated in 13/1/PBI/2011, namely Risk Profile, Good Corporate Governance, Earning and Capital (RGEC). This study aims to analyze the comparison of the soundness of state-owned banks and to determine the assessment of the soundness of banks based on the Risk Profile factor with the ratio of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Profitability with the ratio of Return on Assets (ROA) and Capital with Capital Adequacy Ratio (CAR). This research methodology uses secondary data using a period of 4 years, namely 2017-2020. In this study the sample was taken by purposive sampling. In the results of the One Way - Analysis of Variance test on the risk profile and profitability factors, there are significant differences, while the capital factors of the four banks have no significant differences
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Puspita Agustin, Dwi. "ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC PADA BANK BUMN PERIODE 2017-2020". BALANCING : Accountancy Journal 1, nr 2 (2.08.2021): 57–71. http://dx.doi.org/10.53990/balancing.v1i2.120.
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Bank as an intermediary institution that is trusted to collect funds and channel them back to the community. In its activities, the bank must demonstrate the level of soundness as required. The bank soundness assessment system is regulated in 13/1/PBI/2011, namely Risk Profile, Good Corporate Governance, Earning and Capital (RGEC). This study aims to analyze the comparison of the soundness of state-owned banks and to determine the assessment of the soundness of banks based on the Risk Profile factor with the ratio of Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Profitability with the ratio of Return on Assets (ROA) and Capital with Capital Adequacy Ratio (CAR). This research methodology uses secondary data using a period of 4 years, namely 2017-2020. In this study the sample was taken by purposive sampling. In the results of the One Way - Analysis of Variance test on the risk profile and profitability factors, there are significant differences, while the capital factors of the four banks have no significant differences
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Djebali, Nesrine, i Khemais Zaghdoudi. "Bank Governance, Risk and Bank Insolvency: Evidence from Tunisian Banks". International Journal of Accounting and Financial Reporting 7, nr 2 (25.12.2017): 451. http://dx.doi.org/10.5296/ijafr.v7i2.12218.
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The aim of this paper is twofold. Firstly, it investigates the effect of bank governance on bank risk measured by the standard deviation of the return on assets (SDROA). Secondly, it tests the relationship between bank governance mechanisms and bank insolvency proxied by the Zscore (ROA). To achieve this goal, we used a sample of 11 Tunisian banks observed during the period 2006-2015. These 11 banks are considered as the most dynamic banks in the Tunisian banking system. The econometric approach used in this study is based on panel data analysis especially fixed and random effect models. Empirical results indicate that the presence of Supervisory Committee and monitoring of risks (COR), the executive compensation (REMB) and the board size (BDSIZE) increases significantly Tunisian bank risk and insolvency. However, the presence of independent directors (INDD) and the proportion of institutional investors decrease bank risk and bank insolvency. With regard to the effect on macroeconomic condition, only inflation rate exerts a significant effect. However, this effect is negative when the dependent variable is SDROA and positive for Z-score. The effect of GDPG is not significant for both bank risk and bank stability.
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Khan, Shahbaz, Nida Baig, Shahzad Hussain i Ajid Ur Rehman. "Strength of Bank-Firm Nexus: Evidence from Islamic and Conventional Banks". Journal of Islamic Business and Management (JIBM) 10, nr 01 (30.06.2020): 96–109. http://dx.doi.org/10.26501/jibm/2020.1001-007.
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