scholarly journals DINAMIKA RISIKO KREDIT BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE 2011-2016

2019 ◽  
Vol 3 (2) ◽  
pp. 219
Author(s):  
Ishak Ramli ◽  
Elson Kristian
Keyword(s):  
Regional Development ◽  
Negative Impact ◽  
Positive Impact ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Method Of Moment ◽  
Development Bank ◽  
Total Data ◽  
Generalized Method Of Moment ◽  
Regional Development Bank

Tujuan penelitian adalah untuk menganalisis pengaruh variabel spesifik perbankan seperti informasi modal terhadap aktiva tertimbang menurut risiko diukur dengan rasio CAR, informasi total pinjaman terhadap total aset diukur dengan rasio LTA, informasi ukuran bank, informasi laba setelah pajak terhadap rata-rata aset diukur dengan rasio ROE, dan informasi inefisiensi bank yang diukur dengan rasio BOPO terhadap Risiko Kredit yang diukur dengan rasio NPL. Populasi yang dijadikan obyek penelitian berjumlah 26 BPD di Indonesia 2011-2016. Penelitian ini menggunakan data panel dengan jumlah data observasi sebanyak 156. Data sekunder diolah dengan metode Generalized Method of Moment. Hasil penelitian menunjukkan bahwa informasi modal terhadap aktiva tertimbang menurut risiko, laba setelah pajak terhadap rata-rata modal, dan inefisiensi berpengaruh negatif terhadap Risiko Kredit pada BPD di Indonesia. Sementara informasi total pinjaman terhadap total aset dan ukuran bank berpengaruh positif terhadap risiko kredit pada BPD di Indonesia. The purpose of this study is to analyze the effect of specific bank variables represented by CAR (Capital Adequacy Ratio), LTA (Loan to Asset) Ratio, Size, ROE (Return on Equity) Ratio, and Inefficiency on credit risk measured by NPL on Regional Development Bank in Indonesia. Population of this research taken as the object of observation amounted to 26 Regional Development Banks in Indonesia in the period 2011 - 2016. This research is using panel data with total data amounted to 156 firm-years observation. Secondary data is processed with Generalized Method of Moment. The result showed CAR, ROE, and Inefficiency have negative impact on NPL in Regional Development Bank in Indonesia. Meanwhile, LTA and Size have positive impact on NPL in Regional Development Bank in Indonesia.

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 Effects of working capital management on firm performance and firm value – A study of the fisheries industry in Vietnam

2020 ◽  
Vol 7 (2) ◽  
Author(s):  
Vo Thi Quy ◽  
Le Thi Minh Nguyen
Keyword(s):  
Firm Performance ◽  
Firm Value ◽  
Negative Impact ◽  
Positive Impact ◽  
Method Of Moment ◽  
Capital Management ◽  
Working Capital ◽  
Working Capital Management ◽  
Cash Conversion Cycle ◽  
Generalized Method Of Moment

This research investigates the effects of working capital management through cash conversion cycle and its components (average receivable days - ARD, average inventory days – AID, and average payable days - APD), along with the effects of the working capital management policies on firm performance and firm value in the fisheries industry. Generalized Method of Moment (GMM) was applied with the data collected from 21 fisheries companies listed on Vietnam's stock market in the period 2008 -2012. The research found that the cash conversion cycle, average receivable days, average inventory days, and average payable days have a negative impact on firm performance (ROA) and firm value (Tobin'Q). The research results also showed that aggressive working capital policy has a negative impact, but the conservative working capital policy has a positive impact on firm performance and firm value of fisheries selected companies.

scholarly journals The Effect of Capital Adequacy on Returns of Assets of Commercial Banks in Kosovo

2019 ◽  
Vol 8 (2) ◽  
pp. 201
Author(s):  
Halit Shabani ◽  
Fisnik Morina ◽  
Valdrin Misiri
Keyword(s):  
Commercial Banks ◽  
Fixed Effects ◽  
Banking Sector ◽  
Negative Impact ◽  
Positive Impact ◽  
Financial Institution ◽  
Banking System ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Capital Adequacy Ratio

The purpose of this study is to analyze the effects of capital adequacy on the return of assets to the banking sector in Kosovo. The capital adequacy ratio measures the ability of a financial institution to meet its liabilities by comparing its capital with its assets. As the banking system is one of the strongest points of our country's economy, it is understood that the capital adequacy ratio is used by banks to determine the adequacy of their capital holdings while taking their risk exposures into account.This study will provide empirical evidence of the relationship between capital adequacy and return on commercial bank assets in Kosovo during 2008-2017. It will be using secondary data obtained from audited reports of domestic banks and reports from the Central Bank of Kosovo. To measure the empirical results during this research, these econometric methods have been used: the linear regression model, the model of the fixed effects, and the random model and the GMM model. Based on the results we can conclude that capital adequacy has a positive impact on asset returns and has a significant relationship. In addition, other factors have had a positive and negative impact on the return of commercial banks' assets in Kosovo. Keywords: capital adequacy, return on assets, loans, deposits, interest rates.JEL Classification: G21, G31, G32

scholarly journals Independence, size and performance of the board: An emerging market research

2018 ◽  
Vol 15 ◽  
pp. 201-208 ◽  
Author(s):  
Joy Elly Tulung ◽  
Dendi Ramdani
Keyword(s):  
Regional Development ◽  
Emerging Market ◽  
Secondary Data ◽  
Board Independence ◽  
Development Bank ◽  
Board Size ◽  
Top Executives ◽  
And Performance ◽  
The Relationship ◽  
Regional Development Bank

The purpose of this article is to find the link between board independence, board size and BPD (regional development bank) performance for describing the corporate governance in regional development bank. The sample of firms consists all 26’s BPD in Indonesia in the period 2010-2014; we take secondary data from the annual report of each BPD, total 203 top executives who are members of the boards of all BPD in Indonesia. The results are the influence of the board independence and board size on the BPD performance. The sample employed all the members of the boards of BPD in Indonesia giving us a confidence in generalization our findings. The statistical method used to test the hypotheses is OLS regression. This method was applied to measure the relationship between board independence, board size and BPD performance. The results suggested that there is a positive relationship between board independence, board size and BPD performance.

scholarly journals Effect of Deposit Interest Regional Development Bank, Deposit Interest Rate Government Bank, Inflation, GDP and Money Supply Against Exchange Rate US Dollar

2016 ◽  
Vol 8 (1(J)) ◽  
pp. 79-86
Author(s):  
Elsyan Rienette Marlissa
Keyword(s):  
Economic Growth ◽  
Interest Rate ◽  
Regional Development ◽  
Money Supply ◽  
Random Effects ◽  
Negative Impact ◽  
Development Bank ◽  
Us Dollar ◽  
The Interest Rate ◽  
Regional Development Bank

The purpose of this study is to analyze the effect of Deposit Interest Rate Regional Development Bank, Bank Deposit Interest Rate Government, Inflation, Economic Growth (Real GDP), and the money supply of the rupiah per US dollar. The study uses panel data regression analysis with the model Random Effects Model (REM) method and Pooled EGLS (cross section random effects). The results show that factors of interest rate Regional Development Bank, the interest rate on deposits Bank government, the level of inflation, economic growth, money supply have the simultaneous and significant impact on the rupiah per US dollar. While the partial test results show that the interest rate on deposits BPD and the amount of money circulating have a significant negative effect on the rupiah per US dollar. While variable economic growth (GDP) has insignificant negative impact on the rupiah per US dollar.

scholarly journals Openness and Inflation Volatility: A Case Study SAARC Country

2020 ◽  
Vol 6 (4) ◽  
pp. 1051-1058
Author(s):  
Huma Johar ◽  
Nadeem Iqbal ◽  
Alishba Asif
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Commodity Price ◽  
Method Of Moment ◽  
Inflation Volatility ◽  
Long Run ◽  
Time Period ◽  
Short Run ◽  
Generalized Method Of Moment ◽  
The Impact

The objective of this research paper is to check the impact of openness on inflation volatility. The time period ranges from 1986-2014 by utilizing Panel data for SAARC countries. Four proxy variables are used to calculate openness by using Generalized Method of Moment (GMM) and Impulse Response for the existence of short run and long run relationship. GMM results indicates that the relation depend on the proxy variable being used in the model. Export to GDP and KOF index shows negative impact on inflation volatility while Trade to GDP ratio has significant positive impact on inflation volatility. The empirical study suggests that exports should be encouraged as it resulted in decreasing rate of inflation as along with imports inflation is also imported in terms of commodity price.                          

DETERMINAN PENERIMAAN OPINI GOING CONCERN PADA PERUSAHAAN MANUFAKTUR YANG TERDAFTAR DI BURSA EFEK INDONESIA

2019 ◽  
Vol 14 (2) ◽  
pp. 83
Author(s):  
Dina Hartono ◽  
Christine Novita Dewi
Keyword(s):  
Negative Impact ◽  
Positive Impact ◽  
Stock Exchange ◽  
Secondary Data ◽  
Public Accounting ◽  
Accounting Firm ◽  
The Public ◽  
Going Concern ◽  
Work Duration ◽  
Total Data

This research aims to do a testing empirically regarding the measurement of public accounting firm, the education background of auditor, and work durations of auditor towards the acceptance of going concern audit’s opinion. The public accounting firm, the education background of auditor, and work durations of auditor are independent variable, meanwhile the going concern audit’s opinion is dependent variable. This research use secondary data which collected from Indonesia’s Stock Exchange and PPPK, with a total processed data of 270. Statistic method that used is logistic regression. The result of this research showed that the measurement of public accounting firm and the education background of auditor gave a positive impact and significant towards the acceptance of going concern audit’s opinion, while the work durations of auditor gave a negative impact and significant towards the acceptance of going concern audit’s opinion. Keywords: going concern audit’s opinion, Public Accounting Firm measurement, education background, work duration. ABSTRAK  Penelitian ini bertujuan untuk melakukan pengujian secara empiris mengenai pengukuran kantor akuntan publik, latar belakang pendidikan auditor, dan durasi kerja auditor terhadap penerimaan opini audit going concern. Kantor akuntan publik, latar belakang pendidikan auditor, dan durasi kerja auditor adalah variabel independen, sedangkan opini audit going concern adalah variabel dependen. Penelitian ini menggunakan data sekunder yang dikumpulkan dari Bursa Efek Indonesia dan PPPK, dengan total data yang diproses 270. Metode statistik yang digunakan adalah regresi logistik. Hasil penelitian ini menunjukkan bahwa pengukuran kantor akuntan publik dan latar belakang pendidikan auditor memberikan dampak positif dan signifikan terhadap penerimaan opini audit going concern, sedangkan durasi kerja auditor memberikan dampak negatif dan signifikan terhadap penerimaan akuntan publik. opini audit going concern. Kata kunci: opini audit going concern, pengukuran Kantor Akuntan Publik, latar belakang pendidikan, durasi kerja

scholarly journals Analisis Rasio Keuangan Bank Pembangunan Daerah di Indonesia (Studi Empiris pada Bank Jambi Periode 2017 s/d 2019)

2020 ◽  
Vol 5 (2) ◽  
pp. 285
Author(s):  
Indah Osi ◽  
Sugeng Prayitno ◽  
Iqra Wiarta ◽  
Endah Tri Kurniasih
Keyword(s):  
Regional Development ◽  
Financial Services ◽  
Secondary Data ◽  
Financial Services Industry ◽  
Development Bank ◽  
Development Banks ◽  
Services Industry ◽  
Asset Quality ◽  
Regional Development Banks ◽  
Regional Development Bank

The regional development bank is part of the financial services industry in Indonesia. Regional development banks in addition to intermediation in the financial system also have an important role for the region, namely as a source of income for the region. That is why a good asset quality assessment is required in order for the regional development bank to provide dividends and survive in the financial services industry. This research aims to find out and analyze the asset quality of regional development banks in Indonesia with case studies on jambi regional development bank or commonly abbreviated jambi bank. The research method used is quantitative analysis with sourced in secondary data taken from the annual report of Jambi bank for the period 2017 to 2019 with an assessment of the assessment of bank Indonesia regulation number 14/15/PBI/2012. The results of the study are capital ratio, asset quality, rentability and liquidity of jambi banks as a whole to achieve a good ratio in the period 2017 to 2019.

Analysis of Financial Performance of Public Sector Banks in India: CAMEL

2020 ◽  
pp. 097674792096686
Author(s):  
Yudhvir Singh ◽  
Ram Milan
Keyword(s):  
Public Sector ◽  
Banking Sector ◽  
Positive Impact ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Factors Affecting ◽  
Public Sector Banks ◽  
The Government ◽  
And Performance ◽  
Asset Quality

Public sector banks have been merged by the government in the last few years. This is the rationale behind conducting this study. The purpose of this article is to determine the factors affecting the performance of public sector banks in India and the interrelationship between bank-specific determinants and performance of public sector banks. In this article, we shall analyse the financial data of all the public sector commercial banks for a period spread across 11 years (2009–2019); Capital adequacy, Assets quality, Management efficiency, Earning, and Liquidity (CAMEL) has been used as a performance determinant; system generalised method of moments (GMM) analysis has been used to find the effect of determinants on the performance measurement of public sector banks; and CCA (canonical correlation analysis) has been used to find the interrelationship between the bank-specific determinants and the performance of public sector banks. The finding has important implications in terms of performance in the banking sector. Certain limitations of this study are: It is based on secondary data. The study only covers the financial aspects and not the non-financial aspects. It is found that the asset quality is negatively related with performance of public sector banks. Liquidity and inflation are inversely related to performance of public sector banks in India. Capital adequacy is positively related with banks’ performance, but inversely related with banks’ interest margin. GDP growth has a significant positive impact on banks’ performance, but inversely related with banks’ interest income. Inflation rate is inversely related with banks’ performance. Banking sector reforms are insignificantly related with banks’ performance.

scholarly journals THE INFLATION AND POVERTY IN INDONESIA: CONSEQUENCE OF USURY?

2019 ◽  
Vol 17 (2) ◽  
pp. 91
Author(s):  
Azwar Iskandar ◽  
Bayu Taufiq Possumah ◽  
Khaerul Aqbar
Keyword(s):  
Interest Rates ◽  
Negative Impact ◽  
Positive Impact ◽  
Pearson Correlation ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Positive Influence ◽  
Interest Rate Policy ◽  
Depth Index ◽  
The People

This research was conducted to analyze the influence and correlation of interest rates as one form of the implementation of usury practices on inflation and poverty in Indonesia. This study uses secondary data from the publication of the Central Statistics Agency (BPS) and Bank Indonesia for the period 2005-2018. This study uses Simple Linear Regression Analysis Techniques and Pearson Correlation Techniques. The results showed that interest rates as one form of the implementation of usury practices had an effect and had a positive and significant correlation to inflation in Indonesia. The practice of ribawi actually will bring a negative impact on the economy of the people in Indonesia in the form of an increase in the level of inflation in society. Measures of monetary policy intervention in maintaining price stability and inflation in society have not shown a positive impact. Also, the results of the study showed that interest rate policy also had a positive influence and correlation on the increase in the poverty depth index. That is, when interest rates are set to rise, the poverty depth index in the community also tends to go up or get worse. The findings of this study reinforce the legitimacy of the word of Allah Subhanahu Wa Ta'ala in the Qur'an and the Hadith related to the prohibition of usury practices that can lead to injustice, wrongdoing, and economic destruction of the people.

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