The Influence of Internal and External Factors with Risk Factors as Mediation Variable to Financial Performance of Regional Development Bank in Indonesia

2018 ◽  
Vol 9 (02) ◽  
pp. 20533-20543
Author(s):  
Ida Bagus Suryakanta Pidada ◽  
Anik Yuesti ◽  
Putu Kepramareni
Keyword(s):  
Risk Factors ◽  
Financial Performance ◽  
Regional Development ◽  
External Factors ◽  
Development Bank ◽  
Internal And External Factors ◽  
Regional Development Bank

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scholarly journals ANALISIS KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH DALAM PERSAINGAN PERBANKAN

2017 ◽  
Vol 10 (2) ◽  
pp. 12
Author(s):  
Juli Panglima Saragih
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Business Performance ◽  
Banking Sector ◽  
Banking Industry ◽  
Financial Sector ◽  
Standing Position ◽  
Development Bank ◽  
Playing Field ◽  
Regional Development Bank

Regional Development Bank (RDB) as part of banking industry is still needed to support financing for regional developmet. Due to tighted financial sector competition, Regional Development Bank should achieve market share in their playing field. Meanwhile, rigidity of regulation in banking sector, Regional Development Bank should also increase their business performance to maintain their standing position and increasing profitability, as well. This qualitative research uses analysis method of financial ratios and trend analysis of profit growth, as well. Data used in this research is financial data of banking industry from 2012 to 2016. This research summerizes that generally financial performance of Regional Dvelopment bank is good in 2012 to 2016. But, due to tight competition in financial market, the RDB could not compete with big private bank and state-owned bank where those banks have already been categorized as BUKU 3 and BUKU 4 category. On the other hand, most RDB are still categorized as BUKU 1 and BUKU 2 that have limited covering business, contrast to BUKU 3 and BUKU 4.  Due to this condition, BPD should maintain its business stability and achieve excellent financial performance by obeying all regulations by managing asset and credit productively and profitably, implementing good corporate governance (GCG),  as well as business transformation of RDB. Moreover, RDB should develop their infrastruktures to increase financial service for their debitor and customer in the future. Keywords: Regional Development Bank, bank, financial performance, National Authority for Financial Sector (OJK).

scholarly journals IPTEKS LAPORAN ARUS KAS SEBAGAI PENGUKUR PENILAIAN KINERJA KEUANGAN PADA PT. BANK SULUTGO

2018 ◽  
Vol 2 (02) ◽  
Author(s):  
Gita Gabriella Kakasih ◽  
Tessa Isabel Kodong ◽  
Lidia M. Mawikere
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Cash Flow ◽  
Development Bank ◽  
North Sulawesi ◽  
The Future ◽  
Cash Flow Statement ◽  
Operational Activities ◽  
The Impact ◽  
Regional Development Bank

PT. Bank SulutGo Headquarters is located at Jl. Sam Ratulangi no.9, north wenang, wenang, Manado City, North Sulawesi. Which was established on March 17, 1961 with the name of the Central North Sulawesi Regional Development Bank, on April 14, 1999 the regional development bank changed its name to PT. Bank Sulut, and September 23 2015 changed to PT. North Sulawesi Gorontalo regional development bank (PT. Bank SulutGo).In general, companies only think of big and fast profits by doing anything to achieve the desired target of the company, without thinking about the impact in the future. But gradually the company must realize that every activity must be carried out with a mature calculation taking into account the risks that must be faced. Financial performance is an analysis conducted by the company to find out where the operational activities are by using the rules in financial implementation effectively and efficiently. In this case the cash flow report at PT. Bank SulutGo has been running effectively and efficiently, so that the company can be more advanced in the future can be used as input for the company the need for efficiency to avoid undesirable things such as avoiding losses and also reducing unused cash.Keywords: cash flow statement, financial performance

scholarly journals ANALISIS RASIO PROFITABILITAS PADA PT. BANK PEMBANGUNAN DAERAH SUMATERA BARAT CABANG UTAMA PADANG

2020 ◽  
Author(s):  
Doni Marlius ◽  
Sintia Pebriyana
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Balance Sheet ◽  
Secondary Data ◽  
Development Bank ◽  
The West ◽  
Return On Equity ◽  
Average Return ◽  
West Sumatra ◽  
Regional Development Bank

The purpose of this study was to determine the level of health of the West Sumatra Regional Development Bank Padang Main Branch during 2018-2019. The type of data used is secondary data obtained by the documentation method taken from the West Sumatra BPD Main Branch bank publication report during the 2018-2019 period. This research was conducted using 2018-2019 financial statements, namely the balance sheet and income statement. Based on the analysis of profitability based on ROA can be categorized as good, this is based on the results of the calculation of the average return on assets for 2 years there is between 2.17% -1.88%. The financial performance of the West Sumatra Regional Development Bank Padang Main Branch during 2018-2019 based on ROE can be categorized as good, this is based on the results of the calculation of the average return on equity for 2 years between 4.5% -4.9%. The financial performance of BPD Bank Sumatera Barat Main Branch Padang during 2018-2019 based on BOPO can be categorized as good, this is based on the results of 2 years calculation between 77.8% - 77.6%. The financial performance of the Bank of West Sumatra Bank BPD Main Branch Padang during 2018-2019 based on NPM can be categorized as good, this is based on the results of the calculation of the average NPM for 2 years between 15.2% - 16.5%

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 Pengaruh Penerapan Manajemen Risiko Terhadap Kinerja Keuangan Triwulan 2016 – 2020 Pada Bank Pembangunan Daerah Jawa Timur

Owner ◽  
2021 ◽  
Vol 5 (2) ◽  
pp. 283-294
Author(s):  
Harun Al Rasyid ◽  
Syukron Sazly
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Financial System ◽  
Development Bank ◽  
Financial Reports ◽  
Significant Negative Effect ◽  
System A ◽  
Negative Effect ◽  
Regional Development Bank ◽  
Positive Effect

Importance The role of banking is currently very dominant with the financial system. A good financial system will have a positive effect on banking performance. This study aims to determine the effect of banking risk which is analyzed using the ratio of NPL, NIM, LDR, BOPO on financial performance with ROA at the Regional Development Bank of East Java. The data used in this study were obtained from annual published financial reports from the website ojk.go.id. The number of samples is 20 East Java Regional Development Banks with a quarterly period from 2016-20202. This study uses the SSS method where the results of the research show that the determinant coefficient (R2) shows the Adjusted R Square number of 0.988 or 98.8%, which means that variations in the level of financial performance can be explained by NPL, NIM, LDR and BOPO on ROA, the remaining 1.2 % can be explained from other variables outside the research variables. For the research results simultaneously, NPL, NIM, LDR, and BOPO have a significant effect on ROA. The effect partially for NPL Risk (X1) does not have a significant negative effect partially on ROA (Y), for NIM risk (X2) has a partially significant positive effect on ROA (Y), for LDR risk (X3) does not have a significant negative effect partial to the level of ROA (Y), and for the risk of OEOI (X4) a significant negative effect partially on the level of ROA (Y). It is better if the Regional Development Bank of East Java, must be able to identify the risks that may occur in its business activities. In connection with the results of research where the Bank must minimize NPL, LDR and OEOI ratio because it has a negative effect on ROA. Then maximize NIM because it has a positive effect on ROA.

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

scholarly journals The Impact of Bank Behavior, Financial Literacy on Investment Decisions, Mediation of Financial Inclusion and Debt Behavior. Study on Working Capital and Investment Debtors at Regional Development Bank Yogyakarta Indonesia

2021 ◽  
Vol 23 ◽  
pp. 626-635
Author(s):  
Heru Kristanto
Keyword(s):  
Regional Development ◽  
Financial Literacy ◽  
Investment Decisions ◽  
Financial Inclusion ◽  
Development Bank ◽  
Working Capital ◽  
Bank Behavior ◽  
The Impact ◽  
Regional Development Bank ◽  
Debt Behavior

Bank behavior, financial literacy, financial inclusion, debt behavior, and investment affect the economic growth of an industry. The purpose of this research is to examine the effect of bank behavior, financial literacy, financial inclusion, debt behavior on investment decisions of working capital and investment debtors in the Regional Development Bank of Yogyakarta. Indonesia. Examine the mediating role of financial inclusion, debt behavior on investment decisions. The research sample are 280 debtors. The analysis model used mediation regression with the PLS program. The results showed that: Bank behavior has an effect on financial inclusion. Bank behavior has an effect on debt behavior. Financial literacy has an effect on financial inclusion. Financial literacy has an effect on debt behavior. Financial inclusion mediates the effect of bank behavior on investment decisions. Debt behavior mediates the effect of financial literacy on investment decisions. The managerial implication of this research is: the flexibility of providing credit to customers, must be followed by control of the use of funds. Financial literacy, financial inclusion and higher debtor debt behavior will increase the movement of the industry. The right investment will improve entrepreneurial and banking performance.

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