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 The Effect Of CAR, NPL & LDR On The Profit Improvement Of Regional Development Bank In Indonesia By Using Credit Growth As Intervening Variable (Research on Regional Development Banks in Java, Bali & NTT) Period 2011 – 2015

2018 ◽  
Vol 1 (2) ◽  
pp. 188-201
Author(s):  
Ririn Poerwanti ◽  
Titis Puspitaningrum Dewi Kartika
Keyword(s):  
Regional Development ◽  
P Value ◽  
Development Bank ◽  
Earning Growth ◽  
Credit Growth ◽  
Significance Level ◽  
Development Banks ◽  
Regional Development Banks ◽  
Regional Development Bank ◽  
Profit Growth

Purpose: This study aimed to analyze the effect of CAR, NPL, and LDR on credit growth in the 8 (eight) Regional Development Bank in Indonesia, especially in Java, Bali & NTT in the period 2011-2015. Design/methodology/approach: The samples used were taken using census method which includes the entire population.. Findings: Partial test result indicate that CAR is negative and significant effect on credit growth as well as a significantly positive effect on earning growth. NPL ratio partially no significant effect on credit growth but significant effect on earning growth.   Research limitations/implications: LDR no significant effect on credit growth but significantly and positively affect profit growth while existing credit growth is able to mediate the perpetually perfect (perfect mediation) between CAR, NPL and LDR on regional development bank profit growth in Java, Bali and NTT in the period 2011 to 2015. Practical implications: 2.  The financial ratios assessed from the CAR, NPL and LDR before involving intervening variables of credit growth significantly affected the increase in profit at Regional Development Banks in Java, Bali and NTT as evidenced by simultaneous test results with P-value of F or significance of 0.019 <a '(5%). Originality/value: The ratio of CAR, NPL and LDR significantly affects credit growth in Regional Development Banks in Java, Bali and NTT through simultaneous testing with P value of F or a significance level of 0.004 <a '(5%).  Paper type: Research paper

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.

scholarly journals Implementation of the Maqashid Syariah Index Approach on the Performance of Sharia Regional Development Banks in Indonesia

2020 ◽  
Vol 3 (1) ◽  
pp. 21-37
Author(s):  
Muhamad Yusup ◽  
Dewi Sartika Nasution
Keyword(s):  
Regional Development ◽  
Performance Appraisal ◽  
Bank Performance ◽  
Development Bank ◽  
Index Approach ◽  
Development Banks ◽  
Quantitative Descriptive ◽  
Index Ratio ◽  
Regional Development Banks ◽  
Regional Development Bank

The implementation of sharia bank performance appraisal models has so far adopted the conventional banking model in terms of evaluating financial performance. Based on this phenomenon, the evaluation of sharia banking performance should use performance measurement based on the maqashid sharia method. The Maqashid Syariah Index (MSI) method has three main objectives, including tahzibal-fardi (educating people), iqamah al-‘adl (upholding justice), and jalbal-maslahah (public interest). The research is a quantitative descriptive study, to explain the maqashid syariah index ratio in analyzing the performance of sharia regional development banks in Indonesia. The sample used in the study using purposive sampling. The performance of sharia regional development banks based on the maqashid sharia index approach illustrates that sharia regional development banks in Indonesia in their implementation of sharia operations are more dominant in the goals of Iqmah al-Adl, meaning that regional development banks in Indonesia are more concentrated in terms of applying sharia principles. The sharia regional development bank in Indonesia that has achieved the best performance according to the Maqashid Syariah Index approach is the Aceh Syariah Bank. 

scholarly journals Reformulation of Regulation Concerning Share Ownership in Regional Development Bank by Regional Governments of Indonesia

Yuridika ◽  
2021 ◽  
Vol 36 (3) ◽  
pp. 579
Author(s):  
Dien Nufitasari ◽  
Reka Dewantara
Keyword(s):  
Regional Development ◽  
Regional Economy ◽  
Legal Certainty ◽  
Development Bank ◽  
Share Ownership ◽  
Development Banks ◽  
Analytical Approaches ◽  
Regional Development Banks ◽  
Regional Development Bank ◽  
Regional Governments

The Regional Development Bank is an investment or realization of the regional government's commitment to carry out the objectives of the Act in terms of improving the area. Regional Development Banks have an important role in moving the regional economy, but obstacles arise from the regulatory side which experience conflicting norms in terms of regulating share ownership by regions so that synchronization is needed to realize legal certainty. The research in this cynical article aims to find regulatory reformulation regarding share ownership at the Regional Development Bank (BPD) with legal certainty. The research in this article uses a type of normative juridical law research. The approaches used are Statute Approaches, Conceptual Approaches and Analytical Approaches. The results of the study indicate that there are inconsistencies in the provisions governing share ownership in BPD. This gives juridical implications for the emergence of rights, obligations and legal relations as a result of the inconsistency of these arrangements. Regulatory reformulation regarding BPD share ownership by Regional Governments is carried out by adopting and efficacy of the concept of norms, resulting in a consistent regulation regarding BPD share ownership by regional governments..

scholarly journals Financial services authority on profitability with external factors as moderating variables at regional development banks in Indonesia

Accounting ◽  
2021 ◽  
Vol 7 (6) ◽  
pp. 1445-1454 ◽  
Author(s):  
Reslianty Rachim ◽  
Sukisno Selamet Riadi ◽  
Ardi Paminto ◽  
Felisitas Defung ◽  
Rahcmad Budi Suharto ◽  
...  
Keyword(s):  
Regional Development ◽  
Financial Services ◽  
Research Data ◽  
External Factors ◽  
Development Bank ◽  
Moderating Variables ◽  
Development Banks ◽  
Policy Bank ◽  
Regional Development Banks ◽  
Regional Development Bank

Analyzing the effects of Internal Factors, Local Government Interventions, External Factors and Policies of Bank Indonesia and the Financial Services Authority on Profitability with External Factors as Moderating Variables at Regional Development Banks in Indonesia. Sample this research is a Regional Development Bank of 24 Banks with research data from 2010 to 2018. A total of 24 Regional Development Banks throughout Indonesia were sampled from 2010 to 2018, so the observation data in this study includes 216 research data and there are 80 outlier data so that the data processed in this study with 136 data processed in the study. Analysis of the data in this study used Structural Equation Modeling with Warp PLS Program and internal actors gave a significant influence on profitability, Intervenes local government gave insignificant influence on profitability, External actors gave a significant influence on profitability, policy Bank Indonesia and financial services authority gave insignificant influence on profitability, Policy Bank Indonesia and financial services authority gave a positive and insignificant influence on profitability with external factors as moderation at the Regional Development Bank in Indonesia.

scholarly journals ANALISIS EFISIENSI TEKNIS BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE TAHUN 2008 – 2009 DENGAN MENGGUNAKAN METODE DEA (DATA ENVELOPMENT ANALYSIS)

Media Ekonomi ◽  
2017 ◽  
Vol 19 (2) ◽  
pp. 52
Author(s):  
Amrina Rosyada
Keyword(s):  
Data Envelopment Analysis ◽  
Regional Development ◽  
Technical Efficiency ◽  
Maximum Efficiency ◽  
Data Envelopment ◽  
Net Income ◽  
Development Bank ◽  
Input Variables ◽  
Regional Development Banks ◽  
Regional Development Bank

The purpose of this research is to acknowledge the level of efficiency from Regional Development Bank (Bank Pembangunan Daerah)/BPD) in Indonesia. This research use non - parametric approach which is DEA (Data Envelopment Analysis), to measure the efficiency of input and output of the Regional Development Banks. The input variables include are interest expense, administration and public expenses and salary expenses and the output variables are interest net income and other operasional income. The research concluded shows that the performance of the technical efficiency of banks BPD is not all reach the level of 100% and showed a fluctuation grow from 2008 – 2009. Pursuant to the technical efficiency level showed that there are 4 banks from 26 existing banks are showing a maximum efficiency. While the remaining 21 BPD banks fluctuating during 2008 to 2009. Keywords : Efficiency, Data Envelopment Analysis (DEA), Regional Development Bank

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 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>

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.

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