The Influence of the Size of the Board of Commissioners, Size of the Board of Directors, Size of the Audit Committee, and Company Size on Banking Performance at Indonesian Regional Development Banks in 2015-2020

This research is motivated by the fact that the ROA of Regional Development Banks in 2015-2019 fluctuated, this shows that there are factors that influence it, one of which is Good Corporate Governance. By implementing Good Corporate Governance and supported by the mechanism will improve banking performance. Banking performance is influenced by the size of the Board of Commissioners, the size of the Board of Directors, the size of the Audit Committee, and the size of the company. The formulation of the problem in this study is how do the size of the board of commissioners, the size of the board of directors, the size of the audit committee, and the size of the company affect banking performance at the regional development banks of Indonesia in 2015-2020?. By using a quantitative approach and the type of secondary data as well as the number of samples of 12 banks were taken using the purposive sampling technique. Data processing using E-Views10 with panel data regression analysis techniques. The results of this study are partially the size of the Board of Commissioners, the size of the Board of Directors, and the size of the company have no significant effect on banking performance. Meanwhile, the size of the Audit Committee has a negative and significant effect on banking performance. Simultaneously the size of the Board of Commissioners, the size of the Board of Directors, the size of the Audit Committee, and the size of the company have a significant effect on banking performance.

Analisis Rasio Modal, Efisiensi Operasional, Bunga Bersih, Likuiditas, Dan Kredit Bermasalah, Terhadap Rasio Laba

This study aims to analyze financial ratios which include Capital Ratios, Operational Efficiency Ratios, Net Interest Ratios, Liquidity Ratios, Non-Performing Loans Ratios to Profit Ratios at Conventional Commercial Banks in Indonesia. The banks studied were based on bank grouping in terms of ownership category which included State-Owned Banks, National Private Foreign Exchange Banks, National Private Non-Foreign Exchange Banks, Regional Development Banks, Joint Venture Banks, and Foreign Banks. The analysis technique used is multiple regression analysis. Because the data used is secondary data, to determine the accuracy of the model, it is necessary to test several classical assumptions that underlie the regression model. Classical assumption tests used in this study include tests, normality, multicollinearity, heteroscedasticity and autocorrelation. Furthermore, to test the effect of financial ratios as mentioned, statistical tests withused Multiple Linear Regression were. Based on the research, it is found that the Capital Ratio, Operational Efficiency, Interest Yield, Liquidity, and Non-Performing Loans affect bank profits.

Efisiensi Perbankan Daerah Di Indonesia

The development of banking industry in Indonesia could bring impact on the economic growth, especially in the face of the financial crisis. This study aims to examine scientifically the efficiency score of regional development banks. Furthermore, it also aims to understand further what factors influence the efficiency performance of regional development banks in Indonesia using the SFA (Stochastic Frontier Analysis) approach. The data used is from 25 Regional Development Banks (BPD) in Indonesia with the financial reporting period of 2011 to 2017. The results obtained are the level of efficiency of BPD in Indonesia does not reach 100%. The highest level of efficiency was at 97.80% in 2016. Then, the variable that affects bank efficiency is liquidity as measured by LDR, and credit risk as measured by NPL. Meanwhile, the variables of bank capital and profitability as well as the size of the bank and board of commissioners do not affect the efficiency of banks, especially Regional Development Banks in Indonesia in the period of 2011-2017.

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

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..

PENGARUH TRANSFORMASI DIGITAL TERHADAP KINERJA BANK PEMBANGUNAN DAERAH DI INDONESIA

Digital transformation is a trend and a necessity to survive in the current pandemic era. The banking industry as an industry that is required to be very responsive and fundamentally also needs to carry out digital transformation. Regional Development Banks have their own challenges in executing their strategies because they have a function as agents of regional development but on the other hand have to compete with commercial banks. The BPD that has carried out a digital transformation is Bank BJB. From the literature study, it was found that digital transformation has an influence on company performance and on innovation. This study examines the effect of digital transformation and innovation on the performance of BJB Bank. Respondents in this study were the leaders of the 65 branch offices of Bank BJB in Indonesia. This study uses PLS-SEM and proves that there is a positive and significant effect of digital transformation and innovation on company performance. These findings provide a practical contribution as a guide for the banking industry in efforts to improve its performance through a digital transformation strategy. Future research will need to expand the population to other banks, combine a firm's perspective with consumer acceptance (for example using innovation acceptance models such as TAM, DOI, UTAUT, and others), and examine the factors that influence digital transformation itself. Keywords: Digital Transformation, Innovation, Firm performance, Regional Development Banks Transformasi digital merupakan tren dan kebutuhan untuk bertahan di era pandemi saat ini. Industri perbankan sebagai salah satu industri yang dituntut untuk sangat responsif dan sifatnya fundamental juga perlu melakukan transformasi digital. Bank Pembangunan Daerah memiliki tantangan tersendiri dalam menjalankan strateginya karena memiliki fungsi sebagai agen pembangunan daerah namun di sisi lain harus bersaing dengan bank umum. BPD yang telah melakukan transformasi digital yaitu Bank BJB. Dari studi literatur didapati bahwa transformasi digital memiliki pengaruh terhadap kinerja perusahaan dan terhadap inovasi. Penelitian ini menguji pengaruh transformasi digital dan inovasi terhadap kinerja Bank BJB. Responden dalam penelitian ini yaitu pimpinan dari 65 kantor cabang Bank BJB di Indonesia. Penelitian ini menggunakan PLS-SEM dan membuktikan bahwa terdapat pengaruh positif dan signifikan dari transformasi digital dan inovasi terhadap kinerja perusahaan. Temuan ini memberikan kontribusi praktis sebagai panduan bagi industri perbankan dalam upaya peningkatan kinerjanya melalui strategi transformasi digital. Penelitian mendatang perlu untuk memperluas populasi kepada bank lain, menggabungkan sudut pandang perusahaan dengan penerimaan di sisi konsumen (misalkan menggunakan model penerimaan inovasi seperti TAM, DOI, UTAUT, dan lainnya), serta menelaah faktor-faktor yang mempengaruhi transformasi digital itu sendiri. Kata Kunci: Transformasi digital, Inovasi, Kinerja perusahaan, Bank Pembangunan Daerah

Penerapan Manajemen Risiko pada Tingkat Efisiensi Keuangan di Bank DKI Jakarta

Efficiency is one measure of bank performance. The efficiency of a bank is influenced by the way management manages risk. Financial services authority regulation number 18 /pojk.03/2016 issued by Bank Indonesia which requires every bank in Indonesia to form a risk management team. Risk management problems in the banking world are related to the losses they experience, and Regional Development Banks are expected to be able to detect maximum losses that may arise in the future. This team is obliged to control various aspects of risk management in each bank and observe the impact of risk management implementation. This study aims to determine the efficiency level of conventional banking at PT Bank Pembangunan Daerah Jawa Tengah and the effect of financing risk, operational risk and liquidity risk on the efficiency level. Efficiency is measured by the method of Operating Expenses from Operating Income. The data used as the object of this research is Bank DKI Jakarta for the 2015-2020 period. The level of influence of the variables X1, X2, X3 on Y on the determinant coefficient (R2) shows the Adjusted R Square number of 0.359 or 35.9% which means that the variation in efficiency level can be explained by financing risk, operational risk and liquidity risk, the remaining 64.1% can be explained from other variables outside, for previous related studies there is no similarity in the influence of independent (x) and dependent (Y) values, because of differences in values ??generated from SPSS processing data. Based on the results of statistical tests and discussion analysis, it is known that financing risk, operational risk, liquidity risk simultaneously have no effect on the level of efficiency and only financing risk has a significant positive effect on the level of efficiency at PT Bank DKI Jakarta.

Kedudukan Lembaga Perbankan Sebagai Pembeli Lelang Eksekusi Hak Tanggungan Atas Jaminanya

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.

THE TRANSPARENCY PRINCIPLE IN REGIONAL DEVELOPMENT BANKS TO IMPLEMENT GOOD CORPORATE GOVERNANCE: A CASE STUDY ON PT BANK PEMBANGUNAN DAERAH JAWA TIMUR TBK

This research discusses the obligation of Regional Development Bank (RDB) as a Regionally-Owned Enterprises (ROE) to implement Good Corporate Governance (GCG). In particular, this research analyzes the forms of transparency principle on RDB, specifically on PT Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) according to existing regulations. By using legal normative method, this thesis concludes that in principle, the forms of transparency principle on BPD is divided into three parts, namely preparing reports, publishing them, and ensuring that they are publicly accessible. There are at least 8 (eight) forms of transparency principle, they are monthly report, quarterly report, annual report, prime lending rate report, report on material information or facts information regarding bank’s product and use of customer’s data, and GCG report. For RDB in the forms of Public Company, it is also obligated to make summary of general meeting of shareholders’ minutes of meeting and information on communication with shareholder and investor

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

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.