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 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.

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 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 RBBR Model: A Prediction Model of Bank Health Level Based on Risk for Regional Development Banks (BPD) in Indonesia

2017 ◽  
Vol 20 (1) ◽  
pp. 47
Author(s):  
Herizon Chaniago ◽  
Harry Widyantoro
Keyword(s):  
Statistical Analysis ◽  
Regional Development ◽  
Descriptive Analysis ◽  
Linear Regression Analysis ◽  
Business Risk ◽  
Earnings Performance ◽  
Development Banks ◽  
The Relationship ◽  
Regional Development Banks ◽  
Bank Soundness

The RBBR Model is a risk-based bank rating model. First of all, this study was conducted to find a model that can be used for predicting bank soundness and the level of bank health especially the Regional Development Banks (BPD) in Indonesia. Secondly, it tried to see the level of ability to moderate GCG variables on the relationship between bank business risk and bank soundness. Thirdly, it had to see the level of ability to mediate GCG variables on the relationship between bank profitability and bank soundness. This study used BPD in Indonesia as a population and all members of the population studied, thus it is a census study. The variables consist of business risk (liquidity risk, credit risk, market risk and operational risk), GCG score and earnings performance and capital performance as the independent variables and bank soundness as the dependent variable. The secondary data were collected by means of documentation method. Data analysis includes descriptive analysis and statistical analysis, to describe the results of research, and statistical analysis to answer the research problem. Statistical analysis PLS Warp and multiple linear regression analysis were used for analysis, and it was found that the model can be used to predict the health of BPD in Indonesia. Furthermore, GCG neither moderate the relationship between business risk and BPD health levels in Indonesia nor mediates the relationship between earnings performance and BPD health levels in Indonesia.

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 Dividend policy on regional development banks in Indonesia

Accounting ◽  
2021 ◽  
Vol 7 (7) ◽  
pp. 1635-1644
Author(s):  
Weni Susanti ◽  
Kamaludin Kamaludin ◽  
Rini Indriani ◽  
Fachruzzaman Fachruzzaman
Keyword(s):  
Regional Development ◽  
Financial Services ◽  
Dividend Policy ◽  
Share Ownership ◽  
Dividend Distribution ◽  
Distribution Process ◽  
Development Banks ◽  
Regional Development Banks ◽  
Regional Development Bank

This study aims to analyze the variable confirmation between the dividend payout ratio variable with the profitability variable and the lagged dividend variable by looking at the role of the share ownership variable as a dummy mediate variable. The research subject was carried out at the Regional Development Bank (BPD) in Indonesia. This study uses data and samples taken from data issued by the OJK (Financial Services Authority). Regional development banks were chosen because they have a different role in determining their dividend policy compared to other types of banks, but although this bank is different in its dividend distribution process, it is still capable of surviving even in times of crisis (Covid-19). By using OLS regression analysis, this study divides the research sample into a dummy group consisting of share ownership variables, these subsections are things that must be considered because they can be the key to why this type of bank is able to survive when other banks start to rush. goofy in giving dividends.

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.

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