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 AKTIVITAS PEMASARAN TABUNGAN PADA PT. BANK PEMBANGUNAN DAERAH SUMATERA BARAT CABANG PEMBANTU TARUSAN

2020 ◽  
Author(s):  
Doni Marlius ◽  
Nurfazila
Keyword(s):  
Regional Development ◽  
Customer Service ◽  
Sales Promotion ◽  
Theory And Practice ◽  
Development Bank ◽  
The West ◽  
Bank Branch ◽  
West Sumatra ◽  
Marketing Activities ◽  
Regional Development Bank

The purpose of this study was to determine the product marketing activities at PT. West Sumatra Regional Development Bank Branch Assistant Tarusan. The data used in this study is to directly interview the parties involved in this case are the companies involved. In analyzing the data, the author uses quantitative data analysis method as a research method that explains in a description of the savings marketing activities at PT. West Sumatra Regional Development Bank Branch Assistant Tarusan. The method of analysis is reviewed from two different aspects, namely between theory and practice so that it can be seen the extent of the implementation, whether differences arise regarding the basic principles of the concept itself. Conclusion PT. The West Sumatra Regional Development Bank Branch of Tarusan, using marketing consisting of product policies, prices, promotions, places, people, processes, customer service. The type of product provided by PT. The West Sumatra Regional Development Bank Branch of Tarusan is a SIKOCI savings, current accounts, deposits. Promotion conducted by PT. Regional Development Bank of West Sumatra, Branch of Tarusan through advertising (advertising), sales promotion (sales promotion), personal sales (personal selling)

scholarly journals ANALISIS KINERJA KEUANGAN BANK PEMBANGUNAN DAERAH DALAM PERSAINGAN PERBANKAN

2017 ◽  
Vol 10 (2) ◽  
pp. 12
Author(s):  
Juli Panglima Saragih
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Business Performance ◽  
Banking Sector ◽  
Banking Industry ◽  
Financial Sector ◽  
Standing Position ◽  
Development Bank ◽  
Playing Field ◽  
Regional Development Bank

Regional Development Bank (RDB) as part of banking industry is still needed to support financing for regional developmet. Due to tighted financial sector competition, Regional Development Bank should achieve market share in their playing field. Meanwhile, rigidity of regulation in banking sector, Regional Development Bank should also increase their business performance to maintain their standing position and increasing profitability, as well. This qualitative research uses analysis method of financial ratios and trend analysis of profit growth, as well. Data used in this research is financial data of banking industry from 2012 to 2016. This research summerizes that generally financial performance of Regional Dvelopment bank is good in 2012 to 2016. But, due to tight competition in financial market, the RDB could not compete with big private bank and state-owned bank where those banks have already been categorized as BUKU 3 and BUKU 4 category. On the other hand, most RDB are still categorized as BUKU 1 and BUKU 2 that have limited covering business, contrast to BUKU 3 and BUKU 4.  Due to this condition, BPD should maintain its business stability and achieve excellent financial performance by obeying all regulations by managing asset and credit productively and profitably, implementing good corporate governance (GCG),  as well as business transformation of RDB. Moreover, RDB should develop their infrastruktures to increase financial service for their debitor and customer in the future. Keywords: Regional Development Bank, bank, financial performance, National Authority for Financial Sector (OJK).

scholarly journals AKTIVITAS PENGHIMPUNAN DANA PADA PT. BANK PEMBANGUNAN DAERAH SUMATERA BARAT CABANG PAINAN

2020 ◽  
Author(s):  
Romi Susanto ◽  
Yaumil Ratna Sari
Keyword(s):  
Data Analysis ◽  
Qualitative Methods ◽  
Regional Development ◽  
Research Method ◽  
Qualitative Data ◽  
Development Bank ◽  
Qualitative Data Analysis ◽  
West Sumatra ◽  
Regional Development Bank ◽  
Data Analysis Methods

This study aims to find out how the activities of raising funds at PT Bank of West Sumatra Regional Development Painan Branch of this study uses qualitative data analysis methods as a research method, where qualitative methods describe, understand and explain the data studied during the research took place at PT. West Sumatra Regional Development Bank Painan Branch. PT. West Sumatra Regional Development Bank Painan Branch is an institution engaged in the field of banking, by choosing bank products. Can be seen in the development of customers in collecting funds where most interested are in deposit products.

scholarly journals IPTEKS LAPORAN ARUS KAS SEBAGAI PENGUKUR PENILAIAN KINERJA KEUANGAN PADA PT. BANK SULUTGO

2018 ◽  
Vol 2 (02) ◽  
Author(s):  
Gita Gabriella Kakasih ◽  
Tessa Isabel Kodong ◽  
Lidia M. Mawikere
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Cash Flow ◽  
Development Bank ◽  
North Sulawesi ◽  
The Future ◽  
Cash Flow Statement ◽  
Operational Activities ◽  
The Impact ◽  
Regional Development Bank

PT. Bank SulutGo Headquarters is located at Jl. Sam Ratulangi no.9, north wenang, wenang, Manado City, North Sulawesi. Which was established on March 17, 1961 with the name of the Central North Sulawesi Regional Development Bank, on April 14, 1999 the regional development bank changed its name to PT. Bank Sulut, and September 23 2015 changed to PT. North Sulawesi Gorontalo regional development bank (PT. Bank SulutGo).In general, companies only think of big and fast profits by doing anything to achieve the desired target of the company, without thinking about the impact in the future. But gradually the company must realize that every activity must be carried out with a mature calculation taking into account the risks that must be faced. Financial performance is an analysis conducted by the company to find out where the operational activities are by using the rules in financial implementation effectively and efficiently. In this case the cash flow report at PT. Bank SulutGo has been running effectively and efficiently, so that the company can be more advanced in the future can be used as input for the company the need for efficiency to avoid undesirable things such as avoiding losses and also reducing unused cash.Keywords: cash flow statement, financial performance

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 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 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 Pengaruh Penerapan Manajemen Risiko Terhadap Kinerja Keuangan Triwulan 2016 – 2020 Pada Bank Pembangunan Daerah Jawa Timur

Owner ◽  
2021 ◽  
Vol 5 (2) ◽  
pp. 283-294
Author(s):  
Harun Al Rasyid ◽  
Syukron Sazly
Keyword(s):  
Financial Performance ◽  
Regional Development ◽  
Financial System ◽  
Development Bank ◽  
Financial Reports ◽  
Significant Negative Effect ◽  
System A ◽  
Negative Effect ◽  
Regional Development Bank ◽  
Positive Effect

Importance The role of banking is currently very dominant with the financial system. A good financial system will have a positive effect on banking performance. This study aims to determine the effect of banking risk which is analyzed using the ratio of NPL, NIM, LDR, BOPO on financial performance with ROA at the Regional Development Bank of East Java. The data used in this study were obtained from annual published financial reports from the website ojk.go.id. The number of samples is 20 East Java Regional Development Banks with a quarterly period from 2016-20202. This study uses the SSS method where the results of the research show that the determinant coefficient (R2) shows the Adjusted R Square number of 0.988 or 98.8%, which means that variations in the level of financial performance can be explained by NPL, NIM, LDR and BOPO on ROA, the remaining 1.2 % can be explained from other variables outside the research variables. For the research results simultaneously, NPL, NIM, LDR, and BOPO have a significant effect on ROA. The effect partially for NPL Risk (X1) does not have a significant negative effect partially on ROA (Y), for NIM risk (X2) has a partially significant positive effect on ROA (Y), for LDR risk (X3) does not have a significant negative effect partial to the level of ROA (Y), and for the risk of OEOI (X4) a significant negative effect partially on the level of ROA (Y). It is better if the Regional Development Bank of East Java, must be able to identify the risks that may occur in its business activities. In connection with the results of research where the Bank must minimize NPL, LDR and OEOI ratio because it has a negative effect on ROA. Then maximize NIM because it has a positive effect on ROA.

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.

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