scholarly journals Analisis Pengaruh Efisiensi dan Kecukupan Modal terhadap Kinerja Keuangan pada Bank Pembangunan Daerah di Indonesia

2017 ◽  
Vol 20 (1) ◽  
pp. 87
Author(s):  
Sparta Sparta
Keyword(s):  
Panel Data ◽  
Financial Performance ◽  
Regional Development ◽  
Capital Adequacy ◽  
Macroeconomic Indicators ◽  
Development Banks ◽  
Regional Development Banks

<p><em>This study aims to investigate the efficiency of Indonesian regional development banks (BPD) and the effects of efficiency, capital adequacy, bank size, and macroeconomic indicators on the performance of BPDs in 2008-2012. Our variables of interests are BOPO, CAR, LNSIZE, PDRB, GCRED and INF. We analyze these variables on 130 firm-year observations using the OLS with panel data. Our findings show that on average the BOPO of our BPD sample is 72.45%. During that period, BPD Sulawesi Selatan (BPD Aceh) is the most (least) efficient BPD as indicated by its BOPO of 54.03% (92.98%). Next, our year-to-year analysis reveals that the most (least) efficient BPDs for the year 2008, 2009, 2010, 2011, and 2012 are BDKI, BSTR,BACH, BSUA, and BSSN (BSST, BSTA, BKTm, BSTA, and BSTA), respectively. Our study also indicates that none of BPD in Java have assets higher than their counterparts outside Java that are the most efficient BPDs for the whole Indonesia. Finally, we find that BOPO, CAR, LNSIZE, and GCREDR negatively affect BPDs’ financial performance while INFR is positively associated with financial performance. However, GPDRBT has no significant effect on BPDs’ financial performance.</em></p><p><em><br /></em></p><p align="center"><strong>Abstrak</strong></p><p align="center"><strong> </strong></p><p><em>Penelitian ini bertujuan untuk mengetahui gambaran efisiensi BPD di Indonesia dan  pengaruh efisiensi, kecukupan modal, ukuran bank dan indikator makro ekonomi terhadap kinerja BPD di Indonesia periode 2008-2012. Variabel-variabel yang dianalisis dalam riset ini adalah BOPO, CAR, LNSIZE, PDRB, GCRED dan INF. Alat analisis yang digunakan adalah OLS dengan data panel. Jumlah observasi dalam studi ini adalah sebanyak 130. Hasil penelitian menunjukkan bahwa efisiensi bank BPD di Indonesia selama periode 2008-2012, yang ditunjukkan oleh rata-rata BOPO, adalah 72,45 persen. Selama periode tersebut, BPD Aceh mendapat predikat bank paling tidak efisien dengan BOPO 92,98 persen dan BPD Sulawesi Selatan mendapat predikat bank BPD paling efisien dengan BOPO 54,03 persen. Bank BPD paling efisien untuk tahun 2008, 2009, 2010, 2011 dan 2012 berturut adalah BDKI, BSTR, BACH, BSUA dan BSSN. Sedangkan bank BPD paling tidak efisien untuk tahun 2008, 2009, 2010, 2011, dan 2012 berturut-turut adalah BSST, BSTA, BKTm, BSTA dan BSTA. Hasil penelitian ini menunjukkan bahwa tidak ada satupun bank BPD di pulau jawa yang  memiliki total aset lebih besar dibandingkan bank BPD di luar jawa yang mendapatkan predikat bank BPD paling efisien di Indonesia. Hasil penelitian ini juga menunjukkan bahwa BOPO, CAR, LNSIZE, dan GCREDR secara signifikan berpengaruh negatif pada kinerja keuangan bank BPD. INFR ditemukan berpengaruh secara signifkan dan positif terhadap kinerja keuangan BPD. Sementara itu, GPDRBT tidak memiliki pengaruh signifikan pada kinerja keuangan BPD.<br /></em></p>

scholarly journals The impact of banking risk on regional development banks in Indonesia

2020 ◽  
Vol 15 (2) ◽  
pp. 130-137
Author(s):  
Herman Karamoy ◽  
Joy Elly Tulung
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Negative Influence ◽  
Fund Raising ◽  
Capital Adequacy ◽  
Annual Reports ◽  
Banking Risk ◽  
Development Banks ◽  
The Impact ◽  
Regional Development Banks

Financial performance of a bank represents its financial condition for a certain period of time, either in relation to fund raising or fund allocation, which is usually observed for several indicators, such as capital adequacy, liquidity, and bank profitability. In banking industries, profitability is the most accurate indicator to measure bank performance. Instruments used to measure profitability are Return on Equity (ROE) and Return on Assets (ROA). In this study, the impact of banking risk is analyzed using the ratio of Non-Performing Loans (NPL), Net Interest Margin (NIM), the Loan-to-Deposit ratio (LDR), and the ratio of Operational Cost to Operational Income (OCOI/BOPO) on financial performance of regional development banks in Indonesia. The data used in this study were obtained from the annual reports disseminated on the website of each bank. The number of samples includes 26 Indonesian regional development banks for 2013–2015. The study includes 4 hypotheses for testing. The results show that simultaneously, NPL, NIM, LDR, and OBOI/BOPO are significant to ROA; while NPLs are significant and negatively affect ROA, NIM is significant and positively affects ROA, LDR is not significant and negatively affects ROA, and OCOI/BOPO is significant and negatively affects ROA. This means the banks should minimize the ratio of NPLs, LDR, and BOPO, as they have a negative influence on ROA. Conversely, banks should maximize the ratio of NIM since the latter has a positive effect on ROA.

Peran Monitoring Terhadap Peningkatan Kinerja Keuangan di Industri Perbankan Indonesia

2021 ◽  
Vol 26 (1) ◽  
pp. 85
Author(s):  
Rudi Zulfikar
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Audit Committee ◽  
Control Variable ◽  
Positive Influence ◽  
Annual Reports ◽  
Monitoring Committee ◽  
Risk Monitoring ◽  
Development Banks ◽  
Regional Development Banks

The purpose of this study was to examine the role of company monitoring on the financial performance of Regional Development Banks (BPD) in Indonesia. The monitoring role is proxied by the characteristics of the Board of Commissioners, the Audit Committee and the Risk Monitoring Committee. Financial performance is measured by Return on Assets (ROA). By purposive sampling, secondary data was selected from 66 annual reports of Regional Development Banks (BPD) for 2017-2019 in Indonesia. The average level of financial performance is at 4.11%. This figure shows that the company's assets to generate profits for shareholders amounted to 4.11%. The regression results show that there is a positive influence on the proportion of independent commissioners on financial performance at Regional Development Banks and there is a positive influence on the size of the risk monitoring committee on financial performance at Regional Development Banks. Other Results The size of the board of commissioners, the size of the audit committee and the number of audit committee meetings have a negative effect. While the control variable, namely company size, has a positive effect in predicting financial performance.

scholarly journals The analysis of the effects of Bank Soundness Rate, Inflation and Indonesian Bank Rate on the Profit Growth of Regional Development Banks

2021 ◽  
pp. 95-106
Author(s):  
Yuyun Khatirina ◽  
◽  
Luk Luk Fuadah ◽  
Azwardi Azwardi ◽  
◽  
...  
Keyword(s):  
Regional Development ◽  
Financial Services ◽  
Provincial Government ◽  
Capital Adequacy ◽  
Bank Rate ◽  
Development Banks ◽  
The Impact ◽  
Regional Development Banks ◽  
Bank Soundness ◽  
Profit Growth

Regional Development Banks (BPD in Indonesian) are a type of bank in Indonesia that is established by the local provincial government. Its purpose is to boost regional development and provide initial capital to the province that private banks would not risk giving, as well as giving basic financial services for the general provincial population. RDBs support not only the economic growth in their respective regions but also Indonesia's macroeconomic growth. The purpose of this study is to provide empirical evidence on the impact of the bank soundness rate, inflation and Indonesian Bank rate (BI Rate) on the profit growth of Regional Development Banks. In this study, the authors use data for 2014-2019. The sample of the study is represented by 26 regional development banks in Indonesia, which are registered with the Bank Indonesia and the Financial Services Authority. The authors identified five regions of Indonesia that are being analyzed: Java (including Bali), Sumatra, Kalimantan, Sulawesi and Irian Jaya (including Nusa Tenggara). The authors use for analysis the secondary data obtained from quarterly and annual financial statements of banks. Hypothesis testing was performed using multiple regression analysis, data processing was performed in the SPSS Statistics program. It was found that the components of bank soundness (Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Good Corporate Governance (GCG)), inflation and the BI Rate do not affect the profits growth of regional development banks. However, such a variable as the Operational Efficiency (known in Indonesia as BOPO) has little effect on the profits growth of regional development banks in Sumatra. For other regions, such an effect is not observed.

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 RASIO CAMEL TERHADAP KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE 2010-2012

2014 ◽  
Vol 4 (1) ◽  
pp. 1
Author(s):  
Dinny Marwati ◽  
Tina Sulistiyani
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Profit Margin ◽  
Coefficient Of Determination ◽  
Independent Variables ◽  
Simultaneous Test ◽  
Net Profit ◽  
Development Banks ◽  
Regional Development Banks ◽  
Test Result

This research is aimed to analyze and assess the effect of CAMEL ratio on the financial performance of Regional Development Banks in Indonesia. The independent variables used were Capital Adequancy Ratio (CAR), Non-Performing loans (NPL), Net Profit Margin(NPM), Return On Asset(ROA), and Loan to Deposit Ratio(LDR). Meanwhile, the dependent variable was financial performance viewd from the profit growth of the banks. Based on the result of the research, it is determined that partially, only ROA variable which significantly affects the Financial Performance of the Regional Development Banks in Indonesia. Whilst CAR, NPL, NPM, and LDR variables do not affect significantly on the financial performance of the Regional Development Banks in Indonesia. Simultaneous test result shows that CAR, NPL, NPM, ROA and LDR variables have an effect on the financial performance of the Regional Development Banks in Indonesia. The amount of coefficient of determination is 53.22%.

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.

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