scholarly journals Evaluasi Tingkat Kesehatan Keuangan Bank Studi Kasus pada BPRS XYZ

2012 ◽  
Vol 3 (1) ◽  
pp. 343
Author(s):  
Hartiwi Prabowo ◽  
Mohamad Azhar
Keyword(s):  
Economic Crisis ◽  
Banking System ◽  
Secondary Data ◽  
Public Trust ◽  
Analytical Technique ◽  
The Public ◽  
Before And After ◽  
Performance Report ◽  
Conventional Banks ◽  
The Impact

The impact of the financial crisis started from the US hits other countries, and expands into a global economic crisis that has been felt since the second semester of 2008. In the midst of the development which has deterioted and the declining of the public trust in national banking system, banks with Shariah principles become an alternative to the public in obtaining banking services. The research objective is to determine the level of health, funding development, and financing development of BPRS XYZ, before and after the economic crisis in Indonesia. The data collecting technique is secondary data (2006-2009 performance report). Analytical technique used to assess the health of a bank is CAMEL analysis focusing on Capital, Assets, Management, Earning, and Liquidity. From the analysis, it is concluded that BPRS XYZ has improved in health, though in a small percentage. Nevertheless, after the crisis in 2008-2009, it decreased in the ratio of health and increased slightly at the end of 2009. In terms of funding before and after the crisis, BPRS XYZ increased in funds because of the public trust in the transition from conventional banks to Shariah banks. From the financing side, BPRS XYZ developed a very significant financial from 2006 to 2009. Yet, it had not able to meet all the financial requests, due to limited funding.

scholarly journals DUAL BANKING SYSTEM PASKA MERGER DI INDONESIA

2021 ◽  
Vol 6 (1) ◽  
pp. 77-90
Author(s):  
Arivatu Ni'mati Rahmatika ◽  
Nurvita Putri Romadhani
Keyword(s):  
Small And Medium Enterprises ◽  
Banking System ◽  
Third Party ◽  
Islamic Banks ◽  
The Public ◽  
Library Research ◽  
Before And After ◽  
Credit Financing ◽  
Conventional Banks ◽  
Medium Enterprises

This article explains that (1)  The Post-Merger Dual Banking System is banking that has been implemented in Indonesia. Management of assets together with third party funds with large incomes that have been obtained from conventional banks and Islamic banks, third party funds that run accordance with funding and lending. Conventional banks and Islamic banks provide credit financing to MSMEs (Micro, Small and Medium Enterprises) and differentiate in operations between conventional banks and Islamic banks, (2) this study aims to determine the concept of managing and distributing funds in the dual banking system in Indonesia before and after the merger, (3) the method used is a qualitative method in the form of a library (library research), (4) the results of the study that between Islamic and post-merger conventional banks continue to operate credit funds to the public.

scholarly journals Impact of the COVID-19 pandemic and New Normal implementation on credit risk and profitability of Indonesian banking institutions

2021 ◽  
Vol 16 (3) ◽  
pp. 104-112
Author(s):  
Sri Wahyuni ◽  
Pujiharto ◽  
Siti Nur Azizah ◽  
Zulfikar Zulfikar
Keyword(s):  
Credit Risk ◽  
Financial Services ◽  
Stock Exchange ◽  
Banking System ◽  
Secondary Data ◽  
Sample Collection ◽  
New Normal ◽  
Significant Difference ◽  
Before And After ◽  
The Impact

This study aims to compare the credit risk and profitability of banks in Indonesia. For this, the descriptive-quantitative method is used. The sample collection is based on the purposive sampling method. The study involved 71 Indonesian banks listed on the Indonesian Stock Exchange and Financial Services Authority, both conventional and Sharia. The research data are secondary data that include published results of quarterly financial reports of both conventional and sharia banks obtained from the website of the Financial Services Authority or the official websites of banks. The profitability of banks in making profit is measured by the Return on Assets ratio. The method of analysis used is the paired sample t-test. The results show significant differences in nonperforming loans (NPL) before and after the COVID-19 pandemic in conventional banking. However, there is no significant difference in Sharia banking. Moreover, there is no significant difference in profitability before and after the new normal implementation. This study provides empirical evidence that Indonesia’s banking restructuring policies to anticipate the impact of COVID-19 did not work optimally. The study is expected to help bank managers and the Financial Services Authority as a basis for evaluating the implementation of government policies to restructure the banking system.

scholarly journals Analisa Dampak Covid-19 terhadap Kinerja Keuangan Perusahaan Pembiayaan di Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 22-29
Author(s):  
Maria Esomar
Keyword(s):  
Financial Performance ◽  
Financial Services ◽  
Secondary Data ◽  
T Test ◽  
Return On Assets ◽  
Return On Equity ◽  
Paired Sample ◽  
The Public ◽  
Before And After ◽  
The Impact

The financing industry in Indonesia faces significant challenges due to the Covid-19 pandemic. The amount of financing channeled to the public and debtors’ ability to pay decreases. The purpose of this study is to analyze the impact of Covid-19 on the financial performance of finance companies by analyzing financial ratios, namely the Financing to Deposit Ratio (FDR), NPF (NonPerforming Financing (NPF) Return on Assets (ROA) and Return on Equity (ROE). This study applies a quantitative approach because the data collected are numbers. The data used are secondary data in the form of finance company statistics published by the Financial Services Authority (OJK), within the period of 9 months before (June 2019 - February 2020) and 9 months after (April 2020 - December 2020) the announcement of the first Covid-19 case in Indonesia on March 2nd, 2020. The test is conducted using th Paired Sample T-Test. The results of the data processing display that there are differences in the financial performance of finance companies in Indonesia before and after the Covid-19 which can be seen from the results of the Table of Paired Sample T-Test for the ratio of FDR, NPF, ROA, and ROE. Keywords : Financial performance, FDR, NPF, ROA, ROE

scholarly journals The Impact Of Covid-19 On Islamic Banking In Indonesia During The Pandemic Era

2020 ◽  
Vol 8 (2) ◽  
pp. 19-32
Author(s):  
Zulfikar Omar
Keyword(s):  
Economic Crisis ◽  
Banking System ◽  
Profit Sharing ◽  
The Other ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Conventional Banks ◽  
Asset Quality ◽  
The Impact ◽  
National Banking System

The impact of COVID-19 on Islamic banking can be analysed into three possible risks, such as financing risks, impairment of assets, and tightening the profit-sharing system. Compared to conventional banks, Islamic banking is more flexible in meeting the economic crisis caused by the COVID-19 pandemic. Basically, the national banking system had predicted trouble due to the COVID-19 epidemic. On the other hand, Islamic banks are at an advantage with the theory of profit-sharing, thus increasing its effectiveness in dealing with crises. Islamic banks’ dominance throughout these challenging times is undoubtedly an excellent opportunity to strengthen their market share. Besides, Islamic banks can face risks, such as providing loans, deteriorating asset quality, and tightening profit sharing. Therefore, Islamic banks must understand these risks to ensure their plans during the COVID-19 pandemic. Admittedly, performing restricted expansion into the digital share is a challenging decision that should be practised by Islamic banks. In view of the recent pandemic, this study aimed to analyse the three risks faced by Islamic banking in Indonesia.

scholarly journals Changes in the Soundscape of the Public Space Close to a Highway by a Noise Control Intervention

2021 ◽  
Vol 13 (9) ◽  
pp. 5284
Author(s):  
Timothy Van Renterghem ◽  
Francesco Aletta ◽  
Dick Botteldooren
Keyword(s):  
Public Space ◽  
Real Life ◽  
Noise Abatement ◽  
Acoustic Environment ◽  
The Public ◽  
Control Intervention ◽  
Before And After ◽  
Noise Shielding ◽  
Visual Preferences ◽  
The Impact

The deployment of measures to mitigate sound during propagation outdoors is most often a compromise between the acoustic design, practical limitations, and visual preferences regarding the landscape. The current study of a raised berm next to a highway shows a number of common issues like the impact of the limited length of the noise shielding device, initially non-dominant sounds becoming noticeable, local drops in efficiency when the barrier is not fully continuous, and overall limited abatement efficiencies. Detailed assessments of both the objective and subjective effect of the intervention, both before and after the intervention was deployed, using the same methodology, showed that especially the more noise sensitive persons benefit from the noise abatement. Reducing the highest exposure levels did not result anymore in a different perception compared to more noise insensitive persons. People do react to spatial variation in exposure and abatement efficiency. Although level reductions might not be excessive in many real-life complex multi-source situations, they do improve the perception of the acoustic environment in the public space.

Administrative elites and the crisis: what lies ahead for the senior civil service in Greece?

2014 ◽  
Vol 80 (4) ◽  
pp. 709-725 ◽  
Author(s):  
Calliope Spanou
Keyword(s):  
Public Administration ◽  
Economic Crisis ◽  
Civil Service ◽  
Civil Service Reform ◽  
The Public ◽  
Administrative Elites ◽  
The Impact ◽  
The Relationship

The nature of the relationship between the public administration and politics and the subsequent role of the administration appear to be incompatible with the emergence of an administrative elite. After analysing the reasons for this incompatibility, the article explores the impact of the measures taken in the wake of the economic crisis on the civil service and its reform, and also the prospects for the development of a senior civil service. The key, and also the challenge, to any change in this direction remains the rebalancing of the relationship between the public administration and politics. Points for practitioners What might interest practitioners is the issue of the conditions of effectiveness of civil service reform in times of economic crisis and significant pressure.

scholarly journals Analysis of Indonesian Islamic and Conventional Banking Before and After 2008

2016 ◽  
Vol 8 (11) ◽  
pp. 193 ◽  
Author(s):  
Arfianti Novita Anwar
Keyword(s):  
Secondary Data ◽  
Rank Test ◽  
Islamic Banking ◽  
Positive Contribution ◽  
Islamic Banks ◽  
Significant Difference ◽  
Before And After ◽  
Signed Rank Test ◽  
The Law ◽  
Conventional Banks

<p>This study aims to analyze the performance of Islamic banks and conventional banks before and after the implementation of Islamic Banking Act 2008. The performance will be measured using CAMEL ratio selected. This research is considered essential in examining the positive contribution of the application of the Act to improve the performance of Islamic banks in Indonesia. By using secondary data, this study compared the performance of Islamic banks with that conventional bank selected as samples during the study period. Data were analyzed using the Wilcoxon Signed Rank Test for inter-temporal and Mann-Whitney test for inter-bank. Inter-temporal Tests conducted on Islamic Banking showed that a significant difference was only seen in the NPF ratio of 2 years before and after implementation of Islamic Banking Act. As for conventional banks showed a more diverse ie for 1 year before and after the application of the Law on Islamic Banking there are significant differences for the ROA and ROE, two years before and after implementation of the Law Islamic banking there are significant differences for the CAR, ROA, ROE and NIM and for the overall test a significant difference to CAR, ROA, ROE, NIM and efficiency. Inter-bank testing showed that prior to the application of Islamic Banking Act there are significant differences between conventional banks and Islamic banks to CAR, ROA and efficiency. Furthermore, after the application of Islamic Banking Act there is a significant difference for the CAR and LDR / FDR.</p>

scholarly journals EVALUATION OF FUNCTIONAL PERFORMANCE OF THE BANKING SYSTEM OF UKRAINE IN CONDITIONS FINANCIAL INSTABILITY

2021 ◽  
Author(s):  
Nataliia Danik ◽  
Kateryna Novak ◽  
Anastasiia Yakovenko
Keyword(s):  
Economic Crisis ◽  
Financial Stability ◽  
Structural Changes ◽  
Banking Sector ◽  
Synergistic Effects ◽  
Banking System ◽  
Scientific Article ◽  
Financial Instability ◽  
Industrial Complex ◽  
The Impact

The article covers the problems of the functioning of the banking sector of Ukraine during 2018-2021, as one of the main sectors of the financial market and the national economy as a whole. When analyzing the state of the banking sector, regularities and general trends in the functioning of the banking sector of Ukraine have been established, and appropriate calculations have been made. The impact of global financial crises on the activities of banking structures, which must operate in conditions of constant financial instability, is described. Today, the whole world, including Ukraine, is on the verge of a global financial and economic crisis. This raises the question of whether Ukrainian banks have the necessary margin of resilience to vulnerabilities to the financial and economic crisis. In recent years, the functioning and development of the banking system has been characterized by increased financial stability, the level of bank capitalization, liquidity, some improvement in asset quality, reducing risks in banking, as well as the presence of positive structural changes. Today, Ukraine's banking system operates in a complex socio-economic and legal environment, most of which - macroeconomic instability, irrational structure of the industrial complex, the crisis of science and technology, imperfect fiscal and monetary policy, low level of effective demand - complicate sustainable development banking sector and increase competitiveness. In conditions of instability, intensification of turbulent processes, the development of the banking system requires new innovative approaches to determining the mechanisms of effective functioning and stable development based on a system-synergetic approach, which led to the choice and relevance of the chosen topic of this scientific article. Efficiency of banks is a multicomponent, multifaceted, multidimensional system characteristic that depends on many factors and is an effective indicator of performance of functions and achievement of goals and objectives of banks development provided financial stability based on financial stability and dynamic balance, achievement of multiplicative and synergistic effects.

scholarly journals ANALISIS PERBEDAAN ABNORMAL RETURN DAN TRADING VOLUME ACTIVITY SEBELUM DAN SESUDAH PERISTIWA PENETAPAN UNDANG-UNDANG TAX AMNESTY

2021 ◽  
Vol 10 (3) ◽  
pp. 186-198
Author(s):  
I Komang Wisnu Wardhana ◽  
Hermanto Hermanto ◽  
I Nyoman Nugraha AP
Keyword(s):  
Abnormal Return ◽  
Trading Volume ◽  
Secondary Data ◽  
Volume Activity ◽  
Analytical Technique ◽  
Tax Amnesty ◽  
Average Abnormal Return ◽  
Before And After ◽  
The Difference

The purpose of this study was to determine the difference in the average abnormal return and trading volume activity before and after the enactment of the tax amnesty law on the LQ-45 index. The type of data used in this study is secondary data with data collection techniques using the documentation method. Determination of the sample in this study using purposive sampling method with certain criteria so as to obtain 45 samples. The analytical technique used in this research is paired sample t-test with an observation period of 10 days. The results of this study indicate that: (1) There is no difference in the average abnormal return before and after the enactment of the tax amnesty law. (2) There is no difference in the average trading volume activity before and after the enactment of the tax amnesty law. 

scholarly journals ANALISIS HASIL INVESTASI, PENDAPATAN PREMI, DAN BEBAN KLAIM TERHADAP LABA PERUSAHAAN PERASURANSIAN DI INDONESIA

2017 ◽  
Vol 5 (2) ◽  
pp. 213
Author(s):  
Sofyan Marwansyah ◽  
Ambar Novi Utami
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Significant Relationship ◽  
Secondary Data ◽  
Strong Relationship ◽  
Fund Raising ◽  
Analytical Technique ◽  
The Public ◽  
Investment Returns ◽  
Premium Income

Insurance is a fund raising agency sourced from the receipt of insurance premiums from the public and distributed by claims. In addition to premium receipts, the company also puts its funds in the form of investments. This aims of this paper is to analyze the investment returns, premium income, and claims expense to profit using partial correlation, determination and multiple linear regression. The methods that use to collects the data for this final task are using observation and study documentation using quantitative analysis. Analytical technique is multiple linear regression using IBM SPSS 21 software. The used data in this paper is secondary data that obtained from the website of Otoritas Jasa Keuangan. From the results of the correlation coefficient test partially obtained investment returns and premium income has a significant relationship to profit, a positive value of 0.657 and 0.737 means the relationship is strong and unidirectional whereas, claims load has a significant relationship to profit, negative value of -0.786 means strong relationship And counterclockwise, simultaneously (together) shows that investment returns, premium income, claims expenses have significant relationship to profit, and a positive value of 0.881. The result of determination coefficient test shows that there is a significant influence of 77.6% and the remaining 22.4% influenced by other factors. The regression equation formed is Y = -2,682 +  +  – 2,369 + e.

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