Research on affecting factors of operational risk management for commercial bank based on structural equation model

2012 ◽  
Author(s):  
Li-Jun Liang ◽  
Fan-Chen Meng ◽  
Li-Jie Cao
Keyword(s):  
Risk Management ◽  
Structural Equation Model ◽  
Commercial Bank ◽  
Structural Equation ◽  
Operational Risk ◽  
Equation Model ◽  
Affecting Factors ◽  
Operational Risk Management

scholarly journals The Effect of Perceived Value and Service Quality on Depositor Loyalty

2021 ◽  
Vol 4 (1) ◽  
Author(s):  
Audi Putri Kamajaya ◽  
◽  
Agus Aribowo
Keyword(s):  
Service Quality ◽  
Structural Equation Model ◽  
Commercial Bank ◽  
Random Sampling ◽  
Structural Equation ◽  
Perceived Value ◽  
Simple Random Sampling ◽  
Equation Model ◽  
Primary Data ◽  
Good Relationship

For a bank, the depositors are the primary assets. Therefore, the bank should maintain a good relationship with them to be loyal to all efforts. If they are faithful, they will always keep putting their money in the bank. Therefore, the bank can execute the intermediate function properly. This study intends to examine the effect of perceived value and service quality on depositor loyalty. Consequently, the depositors of commercial bank H at branch F in Bandung become the population and the samples. This study also uses the Slovin formula, simple random sampling, and survey to calculate the samples, grab them, and accumulate the primary data. Moreover, the gathered data get analyzed by the structural equation model (SEM) based on variance. To sum up, this study proves that the perceived value and service quality positively affect depositor loyalty after examining the proposed hypotheses. To increase depositors to be loyal, the bank has to focus on elevating their perceived value and giving them superior service.

scholarly journals Operational Risk Management in A Commercial Bank

2018 ◽  
Vol 7 (4.36) ◽  
pp. 524
Author(s):  
I. I.Vasiliev ◽  
P. A. Smelov ◽  
N. V. Klimovskih ◽  
M. G. Shevashkevich ◽  
E. N. Donskaya
Keyword(s):  
Risk Management ◽  
Development Strategy ◽  
Commercial Bank ◽  
Operational Risk ◽  
Strong Impact ◽  
Credit Institution ◽  
Operational Risk Management ◽  
Operational Risks ◽  
Empirical Level ◽  
Analysis And Synthesis

The existing financial and economic situation in the world and in Russia impacts the activities of all sectors of the economy, including posing challenges for banks. In the conditions of prolonged instability, the banking community has to pay great attention to the risks taken and to manage them. Among all the risks that the bank is exposed to, operational risks represent a separate group due to its specifics, a lack of a systematic approach to analysis and a lack of identification criteria requiring more detailed study. The operational risk is unique in that, although it affects virtually all areas of the credit institution, it is difficult to establish and separate it from other bank risks. It should be noted that every year there appear all new types of operational risk that have a strong impact on the activities of the credit institution due to the development of information and computer systems, the complication of the instruments of the stock market and the improvement of business methods. Therefore, regulators of all countries try to constantly improve the regulatory framework related to the management of the operational risk of a commercial bank, based on the recommendations given by the Basel Committee on Banking Supervision.The article is aimed at developing an effective system for managing the operational risk of a commercial bank.The empirical level research methods used in this article are a description of what operational risk is, its types, tools and methods of assessment; comparison of operational risk management systems in the studied banks; generalization, analysis and synthesis of the information received; the hypothetical-deductive method is used at the theoretical level.Modernization and improvement of the operational risk management system helps stabilize the bank, increase stability and increase profitability, reduce the provision of capital for operational risk, and increase the attractiveness of banking services for consumers, thus benefiting a credit institution among competitors. In today's financial environment, the effective operational risk management is inherent in the long-term development strategy. 

scholarly journals Pengaruh dari Risiko Operasional pada Profitabilitas Perusahaan Asuransi yang Tercatat di Bursa Efek Indonesia periode 2009-2019

2021 ◽  
Vol 7 (3) ◽  
Author(s):  
Ahmad Mujaddid Ahwali ◽  
Grace Meintha Carolina Sinulingga ◽  
Philipus Susanto ◽  
Rizky A. Sijabat ◽  
Dewi Hanggraeni
Keyword(s):  
Factor Analysis ◽  
Capital Structure ◽  
Path Analysis ◽  
Structural Equation Model ◽  
Structural Equation ◽  
Stock Exchange ◽  
Operational Risk ◽  
Equation Model ◽  
Least Square ◽  
Insurance Companies

This study analyzes and examines the influence of capital structure and operational risk on profitability of insurance companies listed in Indonesia Stock Exchange. The method used in this research is quantitative method using Generalized Least Square and Structural Equation Model which implicate factor-analysis and path analysis. This research sample consists of 8 insurance companies listed on Indonesia Stock Exchange from 2009-2019. The study leads to three findings. First, capital structure has negative and significant influence on profitability in insurance companies. Second, capital structure has positive and significance on operational risk. Third, operational risk has profitability and insignificant influence on profitability.AbstrakPenelitian ini menganalisis dan menguji pengaruh struktur modal dan risiko operasional terhadap profitabilitas perusahaan asuransi yang tercatat di Bursa Efek Indonesia. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan teknik pengolahan data Generalized Least Squares dan menggunakan Structural Equation Model (SEM) dengan melibatkan factor-analysis dan path-analysis. Sampel yang digunakan pada penelitian ini adalah sembilan perusahaan asuransi yang tercatat di Bursa Efek Indonesia pada periode 2009-2019. Terdapat tiga penemuan dari penelitian ini. Pertama, struktur modal memiliki pengaruh negatif terhadap profitabilitas perusahaan asuransi, namun tidak signifikan. Kedua, adanya hubungan positif dan signifikan dari struktur modal terhadap risiko operasional. Ketiga, terdapat pengaruh positif dari risiko operasional terhadap profitabilitas namun tidak signifikan.Kata kunci: asuransi, Bursa Efek Indonesia, profitabilitas, risiko operasional

scholarly journals The Effect of Perceived Value and Service Quality on Depositor Loyalty

2021 ◽  
Author(s):  
Audi Putri Kamajaya ◽  
Agus Aribowo
Keyword(s):  
Service Quality ◽  
Structural Equation Model ◽  
Commercial Bank ◽  
Random Sampling ◽  
Structural Equation ◽  
Perceived Value ◽  
Simple Random Sampling ◽  
Equation Model ◽  
Primary Data ◽  
Good Relationship

For a bank, the depositors are the primary assets. Therefore, the bank should maintain a good relationship with them to be loyal to all efforts. If they are faithful, they will always keep putting their money in the bank. Therefore, the bank can execute the intermediate function properly. This study intends to examine the effect of perceived value and service quality on depositor loyalty. Consequently, the depositors of commercial bank H at branch F in Bandung become the population and the samples. This study also uses the Slovin formula, simple random sampling, and survey to calculate the samples, grab them, and accumulate the primary data. Moreover, the gathered data get analyzed by the structural equation model (SEM) based on variance. To sum up, this study proves that the perceived value and service quality positively affect depositor loyalty after examining the proposed hypotheses. To increase depositors to be loyal, the bank has to focus on elevating their perceived value and giving them superior service.

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