scholarly journals ANALISIS DAYA SAING ANTARA BANK BUMN DENGAN BANK NON BUMN INDONESIA

2020 ◽  
Vol 3 (1) ◽  
Author(s):  
Adrianna Syariefur Rakhmat
Keyword(s):  
Data Analysis ◽  
Comparative Advantage ◽  
Financial Services ◽  
Quantitative Research ◽  
Banking Sector ◽  
Secondary Data ◽  
Revealed Comparative Advantage ◽  
Quantitative Research Methods ◽  
Operating Income ◽  
Economic Transaction

AbstrakSektor perbankan dalam perekonomian suatu Negara memiliki peranan yang sangat penting dalam kehidupan masyarakat saat ini yang sebagian besar melibatkan jasa dari sektor perbankan. Saat ini berbagai strategi dilakukan oleh pihak bank dalam rangka menarik minat masyarakat untuk menjadikan nasabahnya. Penyedia layanan jasa transaksi ekonomi seperti bank semakin berlomba-lomba untuk memberikan pelayanan yang baik kepada masyarakat. Penelitian ini bertujuan untuk mengetahui daya saing antara bank BUMN dengan bank Non BUMN di Indonesia. Jenis penelitian yang dilakukan menggunakan metode penelitian kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari lembaga-lembaga atau instansi - instansi antara lain Bank Indonesia (BI), Otoritas Jasa Keuangan (OJK) dan laporan keuangan bank tahun 2014 - 2016. Sedangkan metode analisis data yang digunakan adalah metode analisis RCA (Revealed Comparative Advantage). Hasil analisis data menunjukkan bahwa Bank BNI merupakan bank yang memiliki keunggulan komparatif yang tinggi (nilai RCA) pada sektor pendapatan operasional dibandingkan bank lainnya. Dan bank BTN memiliki keunggulan komparatif yang tinggi (nilai RCA) pada sektor pendapatan bunga dibandingkan bank lainnya. serta Kondisi Keuangan pada masing-masing kelompok bank bahwa kelompok Bank BUMN adalah lebih baik dari pada kelompok Bank Non BUMN. Kata kunci: Daya Saing, Perbankan, Keunggulan Komparatif.�AbstractThe banking sector in the economy of a State has a very important role in the life of the community today that mostly involves services from the banking sector.�Currently, various strategies are conducted by the bank in order to attract public interest to make its customers.�Providers of economic transaction services such as banks are increasingly vying to provide good service to the community.�This study aims to determine the competitiveness of indonesia�s state bank and private bank.�The type of research conducted using quantitative research methods.�The data used in this study are secondary data obtained from institutions or agencies such as Bank Indonesia (BI), Financial Services Authority (OJK) and Financial statements of banks on 2014-2016.�While the method of data analysis is the method of analysis of RCA (Revealed Comparative�Advantage).�The result of data analysis shows that Bank BNI is a bank that has a high comparative advantage (RCA value) in the sector of operating income compared to other banks. And the BTN bank has a high comparative advantage (RCA value) in the interest income sector compared to other banks. Keywords: Competitiveness, Bank, Comparative Advantage

scholarly journals Peran Biaya Operasional Dan Pendapatan Operasional Dalam Hubungan Pembiayaan Dengan Return On Asset Pada Bank Umum Syariah Di Indonesia

2021 ◽  
Vol 2 (2) ◽  
pp. 165-182
Author(s):  
Linda Devy Ramadhani ◽  
Taufikur Rahman
Keyword(s):  
Financial Services ◽  
Quantitative Research ◽  
Secondary Data ◽  
Sampling Technique ◽  
Operating Costs ◽  
Return On Assets ◽  
Operating Income ◽  
Regression Test ◽  
Stationary Test ◽  
Intervening Variables

This study aims to analyze the effect of mudharabah financing, murabahah financing, and ijarah financing on return on assets (ROA) with operating costs and operating income (BOPO) as intervening variables. This research is quantitative research using secondary data in panel data with a purposive sampling technique. The sample used is three Islamic commercial banks registered with the financial services authority from 2017 to 2020. Data analysis includes descriptive test, stationary test, regression test, classical assumption test, path analysis test, and Sobel test. The results of this study indicate that mudharabah financing and ijarah financing do not affect ROA. Murabahah and BOPO financing has negative and significant effects on ROA. BOPO did not mediate the effect of mudharabah, murabahah, and ijarah financing on ROA.

scholarly journals ANALISIS KINERJA KEUANGAN PERBANKAN DENGAN MENGGUNAKAN METODE CAMEL (STUDI KASUS PADA PT. BPR BUDURAN DELTA PURNAMA)

2016 ◽  
Vol 1 (2) ◽  
pp. 175
Author(s):  
Wisnu P. Setiyono ◽  
Miftakhul Nur Aini
Keyword(s):  
Financial Services ◽  
Quantitative Research ◽  
Balance Sheet ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Primary Data ◽  
Operating Income ◽  
Credit Score ◽  
Capital Ratios ◽  
Banking Institutions

Based on the provisions of The Central Bank, All Indonesian banking institutions are obliged to report their performance to the financial services authority (FSA) and always adhere to the provisions of the law prevailing in the region of Indonesia. Therefore,  all banking institutions will be assessed its performance by using CAMEL methods, including  capital, assets, management, earnings and liquidity.By using a descriptive quantitative research method, this research employes 5 (five) aspects of banking assessment, for instance; capital ratios, we use CAR (Capital Adequacy Ratio); earning ratios and assets quality, we employes KAP (earning assets) and PPAP (Allowance for Earning Assets); Special for management aspects we apply a  survey to the general management and risk management officer; from the aspect of profitability, we utilise ROA (Return On Assets ratios) and ROA (Operating Expenses to Operating Income ratios); finally, the aspect of liquidity ratios, we use Cash Ratios and LDR (Loan to Deposit Ratios).The result of 3 (three) years (2011 to 2013) assessments, we found that The BPR Buduran Delta Purnama has good banking performance (credit score more than 81 which the minimum score for good or bad banking performance). It is based on some benchmarks to determine the reliability of the bank after the assessment of each variable. We used a primary data obtained through questionnaires and secondary data in the form of financial statements balance sheet and income statement of PT. BPR Buduran Delta Purnama between 2011 to 2013.

Implementasi Penilaian Autentik pada Pembelajaran Tematik di Sekolah Dasar

2021 ◽  
Vol 7 (2) ◽  
pp. 121-127
Author(s):  
Riska Febriani
Keyword(s):  
Data Analysis ◽  
Research Methods ◽  
Quantitative Research ◽  
Educational Institution ◽  
Authentic Assessment ◽  
Fifth Grade ◽  
Class V ◽  
Quantitative Research Methods ◽  
Thematic Learning

As an educational institution that implements the 2013 curriculum, the school will directly apply the appropriate assessment, namely the Authentic assessment. The purpose of this study was to determine the implementation of Authentic Assessment on thematic subjects at the fifth grade of SDN 003 Sungai Salak, Tempuling District, this study used descriptive quantitative research methods.  The result of the data analysis concluded that the implementation of authentic assessment in thematic learning in Class V SDN 003 Sungai Salak, Tempuling District was categorically as good.

The Position Of The Bank Indonesia As The Lender Of Last Resort After The Enactment Of Law No. 9 Of 2016 On Prevention And Mitigation Of Financial System Crisis

2017 ◽  
Vol 5 (4) ◽  
pp. 08-11
Author(s):  
Theresia Anita Christiani
Keyword(s):  
Data Analysis ◽  
Central Bank ◽  
Financial Services ◽  
Qualitative Data ◽  
Secondary Data ◽  
Jel Classification ◽  
Lender Of Last Resort ◽  
Short Term ◽  
Paper Review

Objective - This paper explores the role of the Indonesian Central Bank as the Lender of the Last Resort. Methodology/Technique - This research uses normative juridical research and secondary data. Findings - The results indicate that the Bank of Indonesian, in coordination with the Financial Services Authority, still has the authority to grant short-term loans for banks with liquidity issues. Nevertheless, the Bank of Indonesia does not have authority to provide emergency finance facilities where the funding is granted at the government's expense. Novelty - This paper uses normative juridical research and qualitative data analysis. Type of Paper - Review. Keywords: Authority, Bank, Crises, Position, Prevention, Indonesia. JEL Classification: K10, K20.

scholarly journals Customer Relationship Management In Banking Sector Case Study Of Conventional Banks

2021 ◽  
Vol 2 (6) ◽  
pp. 2136-2142
Author(s):  
Dennis Rydarto Tambunan ◽  
Heru Kreshna Reza ◽  
Melly Susanti ◽  
Sabri
Keyword(s):  
Customer Relationship Management ◽  
Financial Services ◽  
Customer Value ◽  
Banking Sector ◽  
Relationship Management ◽  
Secondary Data ◽  
Customer Relationship ◽  
Primary Data ◽  
Public Sector Banks ◽  
Conventional Banks

The importance of Customer Relationship Management (CRM) to help businesses acquire new customers, retain existing ones and maximize their lifetime value. This paper discusses the role of Customer Relationship Management in 4 bank units and the need for Customer Relationship Management to increase customer value by using several analytical methods in CRM applications. This paper attempts to identify the technological revolution witnessed by commercial banks and to what extent it has benefited banks to build better customer relationship management (CRM) services between public sector banks and private sector banks. The purpose of this study is 1) to analyze customer opinions about bank CRM in relation to service quality management. 2) To find out the customer's opinion about the bank's CRM on customer relationship management. This study uses primary and secondary data. Primary data will be collected by distributing structured questionnaires to conventional banks (Private and Government). Secondary data will be collected from records published by the financial services authority (OJS), standard textbooks and published research papers, and through web information. The primary data required will be collected from 6 banks in Bengkulu. In addition to collecting information from banks, it also collects information from the general public who have bank accounts.  

scholarly journals ANALISIS RASIO PROFITABILITAS PT. BANK PERKREDITAN RAKYAT JORONG KAMPUNG TANGAH PARIAMAN CABANG PADANG

2019 ◽  
Author(s):  
Rossi Putri Andanis ◽  
jhon fernos
Keyword(s):  
Data Analysis ◽  
Financial Services ◽  
Research Method ◽  
Secondary Data ◽  
Net Income ◽  
Qualitative And Quantitative

The purpose of this study was to find out how the profitability rasio PT. BPR Jorong Kampung Tangah Cabang Padang. The research method used is the method of data analysis qualitative and quantitative. The tipe of data used is secondary data obtained from Financial Services Authority’s Report and rural bank (BPR) publication reports for thr period 2015 – 2017. The results of this study indicate that the bank ROA level is still in an unhealthy position. ROE level also shows bank in unhealthy condition in generating net income, in the BOPO position has decreased but according to BI BOPO standards are still in the good category. While the bank NPM level has increased, which means the bank is said to be well at generating net income.

scholarly journals CAUSE ANALYSIS OF CONTRACT AMENDMENT IN THE X DRY DAM CONSTRUCTION PROJECT IN INDONESIA

Neutron ◽  
2020 ◽  
Vol 20 (01) ◽  
pp. 33-40
Author(s):  
Novika Candra Fertilia ◽  
Hana Sary Ayuningtias
Keyword(s):  
Quantitative Research ◽  
Secondary Data ◽  
Weather Conditions ◽  
Influential Factors ◽  
Land Acquisition ◽  
Dam Construction ◽  
Quantitative Research Methods ◽  
Importance Index ◽  
S Curve ◽  
The Government

The government is building two dams to pursue flood capacity in Jakarta, one of which is the X Dry Dam project. There were obstacles during the construction of this project, which resulted in several changes in the form of contract amendments. The purpose of this study is to determine the most influential factors that cause contract amendments and give suggestions for that factors, so the next contract amendment can be minimized and the project can run according to the costs and time that has been set. In this study, the authors use quantitative research methods by distributing questionnaires to respondents who are staff at the contractor. Secondary data used is the S curve. This research uses 4 stages of the questionnaire by using the reliability test using SPSS version 25 software and data analysis of importance index (II). From the results of this study are the X Dry Dam Project has 5 factors that most influence the occurrence of contract amendments that are land acquisition (53.33%), severe weather conditions (52.19%), society refusal of the project (48.84%), lacking design process planning (42.12%), and schedule /estimated time by the owner is too fast (40.28%).

scholarly journals INTENSITAS CAHAYA ALAMI PADA RUANG KELAS PERKULIAHAN

2020 ◽  
Vol 5 (1) ◽  
pp. 1-11
Author(s):  
Muh. Awaluddin Hamdy ◽  
Nurul Jamala ◽  
Ramli Rahim ◽  
Baharuddin Hamzah ◽  
Rosady Mulyadi ◽  
...  
Keyword(s):  
Data Analysis ◽  
Quantitative Research ◽  
Measurement Data ◽  
Building Design ◽  
Building Envelope ◽  
Quantitative Research Methods ◽  
The North ◽  
Energy Efficient Buildings ◽  
Building Facade ◽  
Human Labor

Title: Natural Light Intensity Analysis in Classroom; Case Study: Classroom at Bosowa University Lighting is an important part of buildings in supporting the productivity of human labor. Insufficient lighting can interfere with human activities and could cause health problems, like eye disorders. Building design must consider the functions and needs so that residents can feel comfortable. Good lighting levels can be achieved by utilizing natural and artificial lighting. The purpose of this study was to analyze the level of illumination in a room that is directly related to the openings of the building envelope and to analyze the different levels of illumination in classrooms with different orientations. Quantitative research methods by distributing measurement data in the form of tables, diagrams and graphs. Data analysis was performed using statistics and data analysis techniques, the results of the measurement were statistically descriptive. This study analyzed the differences in the level of illumination in the northern orientation and southern orientation classrooms. Based on the results of the analysis it can be concluded that the orientation of the building affects the level of illumination in the room. During the day the level of illumination is higher in the direction of orientation north than the direction of orientation south, especially the measurement point in the area close to the openings of the building envelope, but in this study the direction of classroom orientation towards the south is higher the level of illumination compared to the north orientation classrooms. This is understood by the treatment of building glass sheaths in the north orientation direction in the form of the use of frosted glass wallpaper, so it can be concluded that changes to the building facade affect the level of room illumination. The results of this study are expected to be a reference in building facade concepts and designing energy-efficient buildings.

scholarly journals ANALISIS PENGARUH JUMLAH KREDIT, LOAN TO ASSET RATIO (LAR), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP NON-PERFORMING LOAN DI PT BANK RAKYAT INDONESIA (PERSERO) Tbk CABANG WONOGIRI TAHUN 2018

2019 ◽  
Vol 3 (02) ◽  
Author(s):  
Yuan Sasmita Nugraha ◽  
Burhanudin AY ◽  
Ratna Damayanti
Keyword(s):  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Financial Statements ◽  
Multiple Linear Regression Analysis ◽  
Data Sources ◽  
Coefficient Of Determination ◽  
Quantitative Research Methods ◽  
Branch Office ◽  
Collection Methods

This study aims to determine the effect of the amount of credit, LAR, and LDR on Non-Performing Loans at PT Bank Rakyat Indonesia (Persero) Tbk Wonogiri. This study used quantitative research methods. The data sources used in this study are secondary data, namely the financial statements of PT Bank Rakyat Indonesia (Persero) Tbk, the Wonogiri Branch Office in 2018. Data collection methods in this research were documentation and literature studies. This study used classical assumption test techniques, multiple linear regression analysis, and hypothesis testing (t test, f test, coefficient of determination). The results of data analysis are: The amount of credit has a positive and significant affect on the NPL, Loan To Asset Ratio (LAR) has negative and significant affect on the Non-Performing Loan (NPL), Loan To Deposit Ratio (LDR) has positive and significant affect on the Non-Performing Loan (NPL). Keywords: Amount of Credit, LAR, LDR, NPL.

scholarly journals Pengaruh CAR, FDR, Dan BOPO Terhadap ROA Pada Bank Syariah Di Indonesia

2021 ◽  
Vol 9 (2) ◽  
Author(s):  
Intan Rika Yuliana ◽  
Sinta Listari
Keyword(s):  
Commercial Banks ◽  
Quantitative Research ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Predictive Ability ◽  
Multiple Linear Regression Analysis ◽  
Capital Adequacy ◽  
Return On Assets ◽  
Operating Income ◽  
Capital Adequacy Ratio

Banking companies, including Islamic banking, need to avoid problems that can cause financial failure, which can make the bank unable to carry out its business operations and may end up in bankruptcy, so that the level of soundness of the bank based on risk must always be monitored. Therefore, banks must maintain their financial ratios in accordance with Bank Indonesia decisions and maintain their performance. So analyzing the effect of the Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and the Ratio of Operating Costs to Operating Income (BOPO) on Return On Assets (ROA) in Islamic Banks is considered very important.   This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operational Costs on Operating Income (BOPO) on Return On Assets (ROA) at Islamic Commercial Banks in Indonesia. This research includes quantitative research and the type of data used is secondary data. The data used in this study is the ratio of CAR, FDR, BOPO, and ROA for the period 2014–2019 which was obtained from the annual Financial Statements on the official website of each bank.   The population in this study were 14 Islamic Commercial Banks in Indonesia. After passing the purposive sampling stage, there were 6 samples of Sharia Commercial Banks that were suitable for use, namely BCA Syariah, BNI Syariah, Bank Mega Syariah, Bank Muamalat Indonesia, Bank Panin Dubai Syariah and BRI Syariah. The analytical method used in this research is Multiple Linear Regression Analysis.   The results of the partial study with the t-test showed that the CAR and FDR variables had a positive and significant effect on the ROA of Islamic commercial banks. While the BOPO variable has a negative and significant effect on the ROA of Islamic commercial banks. And the results of the f test show that the CAR, FDR, and BOPO variables together have a significant influence on the ROA of Islamic commercial banks. The predictive ability of these three variables on ROA is 82.7%, the remaining 17.3% is explained by other variables outside of this research.   Keywords: Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Operating Expenses per Operating Income (BOPO), Return On Assets (ROA)

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