Considerations in the Initial Design of Regional Development Banks

2021 ◽  
pp. 223-242
Author(s):  
Steven D. Roper
Keyword(s):  
Regional Development ◽  
Single Case ◽  
Development Bank ◽  
Initial Development ◽  
Substantial Role ◽  
Initial Design ◽  
International Environment ◽  
Similarities And Differences ◽  
Regional Development Banks ◽  
Regional Development Bank

This chapter examines the origins, lending policies, and regional development bank (RDB) relationships with the International Bank for Reconstruction and Development from a comparative perspective focusing on the Inter-American Development Bank (IADB) and the European Bank for Reconstruction and Development (EBRD). Generally, existing historical works tend to focus on single case studies rather than explore similarities and differences among RDB. By comparing these two RDB in terms of the broader political considerations in which they were formed, we develop a greater understanding of the diversity and the similarity of RDB. This chapter argues that the international environment and regional competition among states played a substantial role in the initial development of each of these banks which in turn has fundamentally influenced the nature of lending and types of projects supported.

scholarly journals ANALISIS EFISIENSI TEKNIS BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE TAHUN 2008 – 2009 DENGAN MENGGUNAKAN METODE DEA (DATA ENVELOPMENT ANALYSIS)

Media Ekonomi ◽  
2017 ◽  
Vol 19 (2) ◽  
pp. 52
Author(s):  
Amrina Rosyada
Keyword(s):  
Data Envelopment Analysis ◽  
Regional Development ◽  
Technical Efficiency ◽  
Maximum Efficiency ◽  
Data Envelopment ◽  
Net Income ◽  
Development Bank ◽  
Input Variables ◽  
Regional Development Banks ◽  
Regional Development Bank

The purpose of this research is to acknowledge the level of efficiency from Regional Development Bank (Bank Pembangunan Daerah)/BPD) in Indonesia. This research use non - parametric approach which is DEA (Data Envelopment Analysis), to measure the efficiency of input and output of the Regional Development Banks. The input variables include are interest expense, administration and public expenses and salary expenses and the output variables are interest net income and other operasional income. The research concluded shows that the performance of the technical efficiency of banks BPD is not all reach the level of 100% and showed a fluctuation grow from 2008 – 2009. Pursuant to the technical efficiency level showed that there are 4 banks from 26 existing banks are showing a maximum efficiency. While the remaining 21 BPD banks fluctuating during 2008 to 2009. Keywords : Efficiency, Data Envelopment Analysis (DEA), Regional Development Bank

scholarly journals The Effect Of CAR, NPL & LDR On The Profit Improvement Of Regional Development Bank In Indonesia By Using Credit Growth As Intervening Variable (Research on Regional Development Banks in Java, Bali & NTT) Period 2011 – 2015

2018 ◽  
Vol 1 (2) ◽  
pp. 188-201
Author(s):  
Ririn Poerwanti ◽  
Titis Puspitaningrum Dewi Kartika
Keyword(s):  
Regional Development ◽  
P Value ◽  
Development Bank ◽  
Earning Growth ◽  
Credit Growth ◽  
Significance Level ◽  
Development Banks ◽  
Regional Development Banks ◽  
Regional Development Bank ◽  
Profit Growth

Purpose: This study aimed to analyze the effect of CAR, NPL, and LDR on credit growth in the 8 (eight) Regional Development Bank in Indonesia, especially in Java, Bali & NTT in the period 2011-2015. Design/methodology/approach: The samples used were taken using census method which includes the entire population.. Findings: Partial test result indicate that CAR is negative and significant effect on credit growth as well as a significantly positive effect on earning growth. NPL ratio partially no significant effect on credit growth but significant effect on earning growth.   Research limitations/implications: LDR no significant effect on credit growth but significantly and positively affect profit growth while existing credit growth is able to mediate the perpetually perfect (perfect mediation) between CAR, NPL and LDR on regional development bank profit growth in Java, Bali and NTT in the period 2011 to 2015. Practical implications: 2.  The financial ratios assessed from the CAR, NPL and LDR before involving intervening variables of credit growth significantly affected the increase in profit at Regional Development Banks in Java, Bali and NTT as evidenced by simultaneous test results with P-value of F or significance of 0.019 <a '(5%). Originality/value: The ratio of CAR, NPL and LDR significantly affects credit growth in Regional Development Banks in Java, Bali and NTT through simultaneous testing with P value of F or a significance level of 0.004 <a '(5%).  Paper type: Research paper

scholarly journals PENGARUH PENYALURAN KREDIT USAHA RAKYAT (KUR), TINGKAT SUKU BUNGA TERHADAP KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH MELALUI NON PERFORMING LOAN (NPL) DAN BIAYA OPERASI DAN PENDAPATAN OPERASI (BOPO)

2019 ◽  
Vol 2 (2) ◽  
pp. 148
Author(s):  
Ratih Setyo Rini ◽  
Eko Aristanto
Keyword(s):  
Financial Performance ◽  
Interest Rates ◽  
Regional Development ◽  
Small And Medium Enterprises ◽  
Development Bank ◽  
Development Banks ◽  
Credit Financing ◽  
Medium Enterprises ◽  
Regional Development Banks ◽  
Regional Development Bank

People's Business Credit (KUR) is a Credit / Financing scheme specifically for Micro, Small and Medium Enterprises and Cooperatives whose businesses are feasible but do not have sufficient collateral required by the bank (unbankable). The research objective was to analyze the Effect of People's Business Credit (KUR) Distribution, Interest Rates on Financial Performance of Regional Development Banks Through Non-Performing Loans (NPL) and Operating Costs and Operating Revenues (BOPO) and analyze the differences in financial performance of Regional Development Banks before and after becoming KUR distribution Bank. The sample used in this study is the Regional Development Bank in Java, which has been incorporated in the KUR Distribution Bank in 2008, namely BPD in Yogyakarta, BPD East Java and BPD DKI Jakarta. The observation used data from the Regional Development Bank for the period 2005-2015. The results of the credit distribution and interest rates in the KUR distribution did not have a significant impact on the NPL and BOPO and showed that there were no better significant differences in the financial performance variables in the years BPD became the KUR distributor. The result recommends BPD to continue distributing KUR.

scholarly journals Analisis Rasio Keuangan Bank Pembangunan Daerah di Indonesia (Studi Empiris pada Bank Jambi Periode 2017 s/d 2019)

2020 ◽  
Vol 5 (2) ◽  
pp. 285
Author(s):  
Indah Osi ◽  
Sugeng Prayitno ◽  
Iqra Wiarta ◽  
Endah Tri Kurniasih
Keyword(s):  
Regional Development ◽  
Financial Services ◽  
Secondary Data ◽  
Financial Services Industry ◽  
Development Bank ◽  
Development Banks ◽  
Services Industry ◽  
Asset Quality ◽  
Regional Development Banks ◽  
Regional Development Bank

The regional development bank is part of the financial services industry in Indonesia. Regional development banks in addition to intermediation in the financial system also have an important role for the region, namely as a source of income for the region. That is why a good asset quality assessment is required in order for the regional development bank to provide dividends and survive in the financial services industry. This research aims to find out and analyze the asset quality of regional development banks in Indonesia with case studies on jambi regional development bank or commonly abbreviated jambi bank. The research method used is quantitative analysis with sourced in secondary data taken from the annual report of Jambi bank for the period 2017 to 2019 with an assessment of the assessment of bank Indonesia regulation number 14/15/PBI/2012. The results of the study are capital ratio, asset quality, rentability and liquidity of jambi banks as a whole to achieve a good ratio in the period 2017 to 2019.

scholarly journals Implementation of the Maqashid Syariah Index Approach on the Performance of Sharia Regional Development Banks in Indonesia

2020 ◽  
Vol 3 (1) ◽  
pp. 21-37
Author(s):  
Muhamad Yusup ◽  
Dewi Sartika Nasution
Keyword(s):  
Regional Development ◽  
Performance Appraisal ◽  
Bank Performance ◽  
Development Bank ◽  
Index Approach ◽  
Development Banks ◽  
Quantitative Descriptive ◽  
Index Ratio ◽  
Regional Development Banks ◽  
Regional Development Bank

The implementation of sharia bank performance appraisal models has so far adopted the conventional banking model in terms of evaluating financial performance. Based on this phenomenon, the evaluation of sharia banking performance should use performance measurement based on the maqashid sharia method. The Maqashid Syariah Index (MSI) method has three main objectives, including tahzibal-fardi (educating people), iqamah al-‘adl (upholding justice), and jalbal-maslahah (public interest). The research is a quantitative descriptive study, to explain the maqashid syariah index ratio in analyzing the performance of sharia regional development banks in Indonesia. The sample used in the study using purposive sampling. The performance of sharia regional development banks based on the maqashid sharia index approach illustrates that sharia regional development banks in Indonesia in their implementation of sharia operations are more dominant in the goals of Iqmah al-Adl, meaning that regional development banks in Indonesia are more concentrated in terms of applying sharia principles. The sharia regional development bank in Indonesia that has achieved the best performance according to the Maqashid Syariah Index approach is the Aceh Syariah Bank. 

scholarly journals DETERMINANTS OF PROFITABILITY OF SHARIA REGIONAL DEVELOPMENT BANKS IN INDONESIA 2014-2017

2019 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Kuni Farikhah ◽  
Lina Nugraha Rani
Keyword(s):  
Regional Development ◽  
Statistical Tests ◽  
Financial Statements ◽  
Profit Sharing ◽  
Third Party ◽  
Development Bank ◽  
Panel Data Regression ◽  
Data Regression ◽  
Regional Development Banks ◽  
Regional Development Bank

This study aims to determine the effect of Third Party Funds, Financing to Deposit Ratio (FDR), Profit Sharing and Non-Performing Financing (NPF) on the profitability of Sharia BPDs in Indonesia in 2014-2017. Measurement of profitability uses the Return on Asset (ROA) ratio . The data used is obtained through the financial statements of the Regional Development Bank (BPD) Sharia known as the Islamic Development Bank. This research method uses a quantitative approach using panel data regression analysis techniques using EViews 10.0 software. The results of statistical tests show that the variables of Third Party Funds and Non Performing Financing (NPF) have a negative and significant effect on the profitability of the Syariah BPD. While the Financing to Deposit Ratio (FDR) and Profit Sharing Financing variables have no significant effect on the profitability of the Sharia BPD.   

scholarly journals Reformulation of Regulation Concerning Share Ownership in Regional Development Bank by Regional Governments of Indonesia

Yuridika ◽  
2021 ◽  
Vol 36 (3) ◽  
pp. 579
Author(s):  
Dien Nufitasari ◽  
Reka Dewantara
Keyword(s):  
Regional Development ◽  
Regional Economy ◽  
Legal Certainty ◽  
Development Bank ◽  
Share Ownership ◽  
Development Banks ◽  
Analytical Approaches ◽  
Regional Development Banks ◽  
Regional Development Bank ◽  
Regional Governments

The Regional Development Bank is an investment or realization of the regional government's commitment to carry out the objectives of the Act in terms of improving the area. Regional Development Banks have an important role in moving the regional economy, but obstacles arise from the regulatory side which experience conflicting norms in terms of regulating share ownership by regions so that synchronization is needed to realize legal certainty. The research in this cynical article aims to find regulatory reformulation regarding share ownership at the Regional Development Bank (BPD) with legal certainty. The research in this article uses a type of normative juridical law research. The approaches used are Statute Approaches, Conceptual Approaches and Analytical Approaches. The results of the study indicate that there are inconsistencies in the provisions governing share ownership in BPD. This gives juridical implications for the emergence of rights, obligations and legal relations as a result of the inconsistency of these arrangements. Regulatory reformulation regarding BPD share ownership by Regional Governments is carried out by adopting and efficacy of the concept of norms, resulting in a consistent regulation regarding BPD share ownership by regional governments..

scholarly journals Financial services authority on profitability with external factors as moderating variables at regional development banks in Indonesia

Accounting ◽  
2021 ◽  
Vol 7 (6) ◽  
pp. 1445-1454 ◽  
Author(s):  
Reslianty Rachim ◽  
Sukisno Selamet Riadi ◽  
Ardi Paminto ◽  
Felisitas Defung ◽  
Rahcmad Budi Suharto ◽  
...  
Keyword(s):  
Regional Development ◽  
Financial Services ◽  
Research Data ◽  
External Factors ◽  
Development Bank ◽  
Moderating Variables ◽  
Development Banks ◽  
Policy Bank ◽  
Regional Development Banks ◽  
Regional Development Bank

Analyzing the effects of Internal Factors, Local Government Interventions, External Factors and Policies of Bank Indonesia and the Financial Services Authority on Profitability with External Factors as Moderating Variables at Regional Development Banks in Indonesia. Sample this research is a Regional Development Bank of 24 Banks with research data from 2010 to 2018. A total of 24 Regional Development Banks throughout Indonesia were sampled from 2010 to 2018, so the observation data in this study includes 216 research data and there are 80 outlier data so that the data processed in this study with 136 data processed in the study. Analysis of the data in this study used Structural Equation Modeling with Warp PLS Program and internal actors gave a significant influence on profitability, Intervenes local government gave insignificant influence on profitability, External actors gave a significant influence on profitability, policy Bank Indonesia and financial services authority gave insignificant influence on profitability, Policy Bank Indonesia and financial services authority gave a positive and insignificant influence on profitability with external factors as moderation at the Regional Development Bank in Indonesia.

scholarly journals Pengaruh Capital Adequancy Ratio, Net Interest Margin,Biaya Operasional Pendapatan Operasional Dan Loan Deposit Ratio Terhadap Non Performing Loan Di Pt. Bank Pembangunan Daerah Bali Tahun 2009 – 2017

2020 ◽  
Vol 3 (1) ◽  
pp. 10-20
Author(s):  
Ni Wayan Eka Yuliani ◽  
A. A. Sri Purnami ◽  
I Gusti Ayu Athina Wulandari
Keyword(s):  
Regional Development ◽  
Linear Analysis ◽  
Development Bank ◽  
F Test ◽  
Independent Variables ◽  
Analysis Methods ◽  
Net Interest Margin ◽  
Regional Development Bank ◽  
Interest Margin

NPL is one indicator in assessing the soundness of banks. This study aims to examine the effect of CAR, NIM, BOPO and LDR on Non Performing Loans at PT. Regional Development Bank of Bali in the count of I - IV in 2009 - 2017 using multiple linear analysis methods. The results of this study produce an F Test which all independent variables (CAR, NIM, BOPO and LDR) have a liner / influence with NPL variables and partially, CAR has a significant and significant effect on NPL, NIM has a positive and not significant effect on NPL, influential BOPO positive and significant effect on NPL and LDR positive and not significant effect on NPL.  

Prosedur Pemberian Kredit Kepemilikan Rumah (KPR) PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Kantor Cabang Subang

2020 ◽  
pp. 85-100
Author(s):  
Saryanti Saryanti ◽  
Yayat Sudrajat
Keyword(s):  
Regional Development ◽  
Mortgage Loan ◽  
Business Manager ◽  
Development Bank ◽  
West Java ◽  
Credit History ◽  
History Of ◽  
The Government ◽  
Regional Development Bank

PT.Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Adalah salah satu bank milik pemerintah yang memiliki tugas/kegiatan menghimpun dana dari masyarakat dan menyalurkan lagi kepada masyarakat dalam berbentuk kredit, serta memberikan pelayanan jasa-jasa lainnya. Salah satu jenis kredit yang diberikan oleh PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk adalah kredit pemilikan rumah (KPR). Berdasarkan kajian ini bahwa prosedur pemberian kredit pemilikan rumah (KPR) pada PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Terdiri dari : mengajukan surat permohonan kredit, wawancara, memenuhi persyaratan yang belum lengkap, mencari riwayat kredit calon debitur melalui database website Bank Indonesia (BI), verifikasi kunjungan (visit), penandatanganan daftar riwayat kredit beserta berkas aplikasi kredit oleh pihak Account Officer (AO), Bisnis Legal (BL), Cradit Risk (CR), manajer bisnis, pimpinan cabang, melakukan taksansi/ploting laporan pemeriksa akhir, pengecekan atas aspek yuridis atau legal atas dokumen agunan, pencairan dana kredit melalui pihak Hukum Administrai, mengingatkan kembali kepada debitur tentang jatuh tempo pembayaran angsuran kredit.   PT.Bank Regional Development of West Java and Banten, Tbk. Is one of the government-owned banks that have the task or activity to raise funds from the community and channel again to the community in the form of credit, and provide other services. One type of credit provided by PT. Regional Development Bank of West Java and Banten, Tbk is a mortgage loan (KPR). Based on the results of the final task of providing homeownership loan (KPR) at PT. Regional Development Bank of West Java and Banten, Tbk. Consists of: submitting loan application letter, interviewing, fulfilling incomplete requirements, seeking credit history of debtor candidate through Bank Indonesia website (BI) website, visit verification, signing of credit history list and credit application file by Account Officer (AO), Legal Business (BL), Cradit Risk (CR), business manager, branch manager, performs taxa

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