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.

scholarly journals PENGARUH TRANSFORMASI DIGITAL TERHADAP KINERJA BANK PEMBANGUNAN DAERAH DI INDONESIA

2021 ◽  
Vol 10 (2) ◽  
pp. 158-181
Author(s):  
Agus Kurniawan ◽  
Agus Rahayu ◽  
Lili Adi Wibowo
Keyword(s):  
Regional Development ◽  
Commercial Banks ◽  
Banking Industry ◽  
Digital Transformation ◽  
Consumer Acceptance ◽  
Future Research ◽  
Company Performance ◽  
Literature Study ◽  
Development Banks ◽  
Regional Development Banks

Digital transformation is a trend and a necessity to survive in the current pandemic era. The banking industry as an industry that is required to be very responsive and fundamentally also needs to carry out digital transformation. Regional Development Banks have their own challenges in executing their strategies because they have a function as agents of regional development but on the other hand have to compete with commercial banks. The BPD that has carried out a digital transformation is Bank BJB. From the literature study, it was found that digital transformation has an influence on company performance and on innovation. This study examines the effect of digital transformation and innovation on the performance of BJB Bank. Respondents in this study were the leaders of the 65 branch offices of Bank BJB in Indonesia. This study uses PLS-SEM and proves that there is a positive and significant effect of digital transformation and innovation on company performance. These findings provide a practical contribution as a guide for the banking industry in efforts to improve its performance through a digital transformation strategy. Future research will need to expand the population to other banks, combine a firm's perspective with consumer acceptance (for example using innovation acceptance models such as TAM, DOI, UTAUT, and others), and examine the factors that influence digital transformation itself. Keywords: Digital Transformation, Innovation, Firm performance, Regional Development Banks   Transformasi digital merupakan tren dan kebutuhan untuk bertahan di era pandemi saat ini. Industri perbankan sebagai salah satu industri yang dituntut untuk sangat responsif dan sifatnya fundamental juga perlu melakukan transformasi digital. Bank Pembangunan Daerah memiliki tantangan tersendiri dalam menjalankan strateginya karena memiliki fungsi sebagai agen pembangunan daerah namun di sisi lain harus bersaing dengan bank umum. BPD yang telah melakukan transformasi digital yaitu Bank BJB. Dari studi literatur didapati bahwa transformasi digital memiliki pengaruh terhadap kinerja perusahaan dan terhadap inovasi. Penelitian ini menguji pengaruh transformasi digital dan inovasi terhadap kinerja Bank BJB. Responden dalam penelitian ini yaitu pimpinan dari 65 kantor cabang Bank BJB di Indonesia. Penelitian ini menggunakan PLS-SEM dan membuktikan bahwa terdapat pengaruh positif dan signifikan dari transformasi digital dan inovasi terhadap kinerja perusahaan. Temuan ini memberikan kontribusi praktis sebagai panduan bagi industri perbankan dalam upaya peningkatan kinerjanya melalui strategi transformasi digital. Penelitian mendatang perlu untuk memperluas populasi kepada bank lain, menggabungkan sudut pandang perusahaan dengan penerimaan di sisi konsumen (misalkan menggunakan model penerimaan inovasi seperti TAM, DOI, UTAUT, dan lainnya), serta menelaah faktor-faktor yang mempengaruhi transformasi digital itu sendiri. Kata Kunci: Transformasi digital, Inovasi, Kinerja perusahaan, Bank Pembangunan Daerah

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.

Sign in / Sign up

Export Citation Format

Share Document