scholarly journals Intellectual capital performance of regional development banks in Indonesia

2018 ◽  
Vol 13 (3) ◽  
pp. 36-47
Author(s):  
Umanto ◽  
Chandra Wijaya ◽  
Andreo Wahyudi Atmoko
Keyword(s):  
Regional Development ◽  
Intellectual Capital ◽  
Banking Sector ◽  
Operating Expense ◽  
Operating Income ◽  
Banking Institutions ◽  
Development Banks ◽  
The Relationship ◽  
Regional Development Banks ◽  
Efficiency And Productivity

Studies related to intellectual capital, particularly in banking sector, are basically focused on the relationship between intellectual capital performance and bank performance. In con¬trast to previous studies, this study analyzes the intellectual capital performance of regional development banks throughout Indonesia to develop performance through management of efficiency and productivity. The population and sample in this study consist of 26 regional development banks in Indonesia for the period 2007–2013. The management of efficiency is measured using the ratio of operating expense to operating income (BOPO), while the management of labor productivity is measured using the ratio of labor expenses to total operating expense and income level. At the theoretical level, this study is expected to fill the gap for the assessment of intellectual capital performance of banking institutions with unique characteristics such as regional development banks. To analyze intellectual capital performance, VAICTM method developed by Pulic (1998, 2000, 2004, 2008) is applied. The findings show that the intellectual capital performance of regional development banks is in the category of common performers. Finally, regional development banks need to focus on the importance of strengthening intangible resources directly affecting banking management in terms of strengthening information technology, positioning, and management competence, as well as organizational culture and working climate.

scholarly journals RBBR Model: A Prediction Model of Bank Health Level Based on Risk for Regional Development Banks (BPD) in Indonesia

2017 ◽  
Vol 20 (1) ◽  
pp. 47
Author(s):  
Herizon Chaniago ◽  
Harry Widyantoro
Keyword(s):  
Statistical Analysis ◽  
Regional Development ◽  
Descriptive Analysis ◽  
Linear Regression Analysis ◽  
Business Risk ◽  
Earnings Performance ◽  
Development Banks ◽  
The Relationship ◽  
Regional Development Banks ◽  
Bank Soundness

The RBBR Model is a risk-based bank rating model. First of all, this study was conducted to find a model that can be used for predicting bank soundness and the level of bank health especially the Regional Development Banks (BPD) in Indonesia. Secondly, it tried to see the level of ability to moderate GCG variables on the relationship between bank business risk and bank soundness. Thirdly, it had to see the level of ability to mediate GCG variables on the relationship between bank profitability and bank soundness. This study used BPD in Indonesia as a population and all members of the population studied, thus it is a census study. The variables consist of business risk (liquidity risk, credit risk, market risk and operational risk), GCG score and earnings performance and capital performance as the independent variables and bank soundness as the dependent variable. The secondary data were collected by means of documentation method. Data analysis includes descriptive analysis and statistical analysis, to describe the results of research, and statistical analysis to answer the research problem. Statistical analysis PLS Warp and multiple linear regression analysis were used for analysis, and it was found that the model can be used to predict the health of BPD in Indonesia. Furthermore, GCG neither moderate the relationship between business risk and BPD health levels in Indonesia nor mediates the relationship between earnings performance and BPD health levels in Indonesia.

Analysis of Factors Affecting Financial Performance of BUKU 3 Banks with Growth of Third Party Funds as Moderating Variable

2021 ◽  
Vol 8 (12) ◽  
pp. 686-694
Author(s):  
Rasmi Naibaho ◽  
Azhar Maksum ◽  
Rujiman .
Keyword(s):  
Financial Performance ◽  
Board Of Directors ◽  
Capital Adequacy ◽  
Third Party ◽  
Operating Expense ◽  
Factors Affecting ◽  
Operating Income ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
The Relationship

The purpose of this study was to determine and analyze the factors affecting financial performance of BUKU 3 banks with growth of third party funds as moderating variable. This study uses a causality research design. The population in this study is the Banking Service Industry Company which is all Banking Companies listed on the Indonesia Stock Exchange which consists of 46 Banks. The year of observation is 2010-2020. 12 Banking Companies that have met the requirements with 11 years of research in order to obtain 132 observations. In this research, the technical analysis used is panel data regression analysis technique. The results showed that capital adequacy ratio has no effect on financial performance. Operating expense to operating income has a negative effect on financial performance. Net interest margin has a positive effect on financial performance. Non performing loan has no effect on financial performance. Loan to funding ratio has no effect on financial performance. Minimum statutory reserve has no effect on financial performance. Female board of directors has no effect on financial performance. Third party funds cannot moderate the relationship between capital adequacy ratio and financial performance. Third party funds can moderate the relationship between operating expense to operating income on financial performance. Third party funds cannot moderate the relationship between net interest margin and financial performance. Third party funds cannot moderate the relationship between non performing loan and financial performance. Third party funds cannot moderate the relationship between loan to funding ratio and financial performance. Third party funds cannot moderate the relationship between minimum statutory reserve and financial performance. Third party funds can moderate the relationship between female board of directors and financial performance. Keywords: Financial Performance, Growth, Funds.

scholarly journals Kedudukan Lembaga Perbankan Sebagai Pembeli Lelang Eksekusi Hak Tanggungan Atas Jaminanya

Acta Comitas ◽  
2021 ◽  
Vol 6 (02) ◽  
pp. 310
Author(s):  
I Dewa Gede Agung Dhira Natsya Ora ◽  
Dewa Gde Rudy
Keyword(s):  
Regional Development ◽  
Research Methods ◽  
Commercial Banks ◽  
Legal Research ◽  
Legal Standing ◽  
Development Banks ◽  
The Difference ◽  
Regional Development Banks

Abstract This paper aim to develops knowledge in the field of notarial law and finds out the difference in legal standing between Rural Banks and Commercial Banks included Regional Development Banks as buyers in the auction for the executions of collateral for their collateral. Normative legal research methods is uses for this writing. The result of this study indicates that Rural Banks and Commercial Banks have different positions in the purchase of a collateral execution auction. Only Commercial Banks that stipulated in Article 12 A paragraph (1) of the Banking Act can purchase an auction for the executions of mortgage guarantees, while Rural Banks cannot become buyers in the auction for executions of collateral for their collateral.   Abstrak Tulisan ini bertujuan untuk mengembangkan keilmuan dalam bidang hukum kenotariatan dan untuk mengetahui perbedaan kedudukan hukum antara Bank Perkreditan Rakyat dengan Bank Umum termasuk didalamnya Bank Pembangunan Daerah sebagai pembeli dalam lelang eksekusi hak tanggungan atas jaminannya. Penelitian ini menggunakan metode penelitian hukum normatif. Hasil penelitian ini membuktikan bahwa Bank Perkreditan Rakyat dengan Bank Umum memiliki perbedaan kedudukan dalam pembelian lelang eksekusi hak tanggungan atas jaminannya. Bank yang dapat membeli lelang eksekusi hak tanggungan atas jaminannya hanyalah Bank Umum sebagaimana yang diatur dalam Pasal 12 A ayat (1) Undang-Undang Perbankan, sedangkan Bank Perkreditan Rakyat tidak dapat menjadi pembeli dalam lelang eksekusi hak tanggungan atas jaminannya.

Do We Still Need Regional Development Banks Today (and Tomorrow)?

2021 ◽  
pp. 311-333
Author(s):  
José Antonio Alonso ◽  
José Cuesta
Keyword(s):  
Regional Development ◽  
Future Development ◽  
Developing World ◽  
Pivotal Role ◽  
Sustainable Infrastructure ◽  
The Future ◽  
Development Banks ◽  
Infrastructure Investments ◽  
Regional Development Banks

The need for regional development banks (RDB) is a straightforward question that does not have a straightforward answer. The authors assess the arguments claiming that RDB are called to play a substantive role—in fact an increasingly substantive role—in future development. They summarize these arguments in the following hypothesis: if RDB did not exist, we should re-invent them. This hypothesis is assessed against a critical developmental challenge affecting today’s world and most likely to remain in the future: the massive mobilization of resources required for financing of huge gaps in sustainable infrastructure investments that exist in the developing world. This exercise is followed by a discussion on what conditions need be in place for RDB to be truly playing a pivotal role in confronting such challenge—and perhaps others—in the future.

Linking Knowledge Management and Intellectual Capital

2013 ◽  
Vol 5 (4) ◽  
pp. 1-13 ◽  
Author(s):  
Maria do Rosário Cabrita ◽  
Virgílio Cruz-Machado ◽  
Florinda Matos
Keyword(s):  
Knowledge Management ◽  
Intellectual Capital ◽  
Banking Sector ◽  
Banking Industry ◽  
Successful Implementation ◽  
Successful Management ◽  
Knowledge Resources ◽  
The World ◽  
Knowledge Intensive ◽  
The Relationship

The ability of an organization to effectively nurture, capture, leverage, and share its knowledge resources become the key that provides an enterprise with its strategic power advantage in the world. When an organization develops its ability to build, access and leverage its knowledge resources it is creating its knowledge advantage. In an era of knowledge economics, Knowledge Management (KM) and Intellectual Capital (IC) have emerged as major issues that managers must deal with, if the organizations want maintain their competitive advantage. The accumulation of IC and KM is closely related. The successful management of IC is linked to the efficiency of KM processes, which, in turn, implies that the successful implementation of KM ensures the growth and renewal of IC in an organization. There are relatively few discussions on the relationship between KM and IC, and even fewer studies on such relationship in the banking industry. For the banking sector, as one of the most knowledge-intensive industries, it is imperative to understand how to use techniques in KM to accumulate IC to cope with an increasingly changing environment. Based on previous studies, this article seeks to explore the links between IC and KM in Portuguese banks, by identifying the IC resources of importance and leveraging these resources through KM capability.

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