scholarly journals Determinants of the Profits in Regional Development Banks in Indonesia

2020 ◽  
Vol 3 (3) ◽  
pp. 119-128
Author(s):  
Suhartono Suhartono ◽  
Saladin Ghalib
Keyword(s):  
Regional Development ◽  
Important Variable ◽  
Risk Level ◽  
Essential Factor ◽  
Financial Reports ◽  
Independent Variables ◽  
Time Deposit ◽  
Development Banks ◽  
Regional Development Banks ◽  
Positive Effect

Regional Development Banks (BPDs) should develop their regional governments' economy by increasing their performance. This study attempts to determine the effect of GCG and other variables on the banks' performance indicated by the profit. This study used 10 determiners as the independent variables such as NPL, LASSET, LTA, ETA, FBIR, TDR, LDR, NIM, DGCG, and GCGI, while the dependent variable is ROA.  The data were taken from the BPD's financial reports from 2014 to 2019. There were 26 BPDs as the sample based on the stipulated criteria.  The results show that NPL is an essential factor for increasing the banks' performance. Next, the time deposit ratio to total deposit also has a positive effect but not significant. The LTA ratio is negative but not significant, while GCGI has a significant effect. Therefore, NPL, and GCG are the dominant factors in determining the banks’ performance.  The modeling constant values are all significant, indicated by the risk level ranging from 36-40%. It can be concluded that NPL is an important variable in determining risk for banks, so is the GCG index that can also affect the banks' performance. Therefore, BPDs should pay attention to their NPL and GCG in order to increase their performance

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 Pengaruh Resiko Kredit, Likuiditas, Efisiensi Operasional dan Tingkat Ekonomi Makro Ekonomi Terhadap Kinerja Bank Pembangunan Daerah di Pulau Sumatera

2017 ◽  
Vol 13 (1) ◽  
Author(s):  
Verawaty Verawaty ◽  
Ade Kemala Jaya ◽  
Yolanda Widiati
Keyword(s):  
Credit Risk ◽  
Regional Development ◽  
Operational Efficiency ◽  
Positive Influence ◽  
Independent Variables ◽  
Economic Level ◽  
Analysis Technique ◽  
Study Population ◽  
Development Banks ◽  
Regional Development Banks

The purpose of this study was to obtain the empirical evidence about the effect of credit risk, liquidity, operational efficiency and the macro-economic level to the the performance of regional development banks. This study population was eight Regional Development Banks in Sumatera Island during 2011-2014. Analysis technique used is multiple linear regression. The results showed simultaneously, all the independent variables affected the dependent variable. Partially, only credit risk and efficiency negatively affected the performance of the bank. Liquidity and macro-economic level did not have positive influence on the bank's performance. Keywords: the performance of banks, credit risk, liquidity, operational efficiency and macro-economic level

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.

Do We Still Need Regional Development Banks Today (and Tomorrow)?

2021 ◽  
pp. 311-333
Author(s):  
José Antonio Alonso ◽  
José Cuesta
Keyword(s):  
Regional Development ◽  
Future Development ◽  
Developing World ◽  
Pivotal Role ◽  
Sustainable Infrastructure ◽  
The Future ◽  
Development Banks ◽  
Infrastructure Investments ◽  
Regional Development Banks

The need for regional development banks (RDB) is a straightforward question that does not have a straightforward answer. The authors assess the arguments claiming that RDB are called to play a substantive role—in fact an increasingly substantive role—in future development. They summarize these arguments in the following hypothesis: if RDB did not exist, we should re-invent them. This hypothesis is assessed against a critical developmental challenge affecting today’s world and most likely to remain in the future: the massive mobilization of resources required for financing of huge gaps in sustainable infrastructure investments that exist in the developing world. This exercise is followed by a discussion on what conditions need be in place for RDB to be truly playing a pivotal role in confronting such challenge—and perhaps others—in the future.

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