Risk management is very important for companies. The purpose of this study is to examine and analyze the impact of credit risk, market risk, operating efficiency, capital, and liquidity on bank financial performance. This research uses a quantitative research design. The data used in this study is based on private banks listed on the Indonesia Stock Exchange (IDX) for the next three years. The type of data is secondary data. Technical analysis using multiple linear regression. The results show that market risk and operating efficiency have a significant effect on the financial performance of the bank. Meanwhile, credit risk, capital, and liquidity have no significant effect on the bank's financial performance
{"title":"Management of Risk Management on Banking Financial Performance","authors":"Wulan Rahma Dewi","doi":"10.30656/jkk.v1i1.3999","DOIUrl":"https://doi.org/10.30656/jkk.v1i1.3999","url":null,"abstract":"Risk management is very important for companies. The purpose of this study is to examine and analyze the impact of credit risk, market risk, operating efficiency, capital, and liquidity on bank financial performance. This research uses a quantitative research design. The data used in this study is based on private banks listed on the Indonesia Stock Exchange (IDX) for the next three years. The type of data is secondary data. Technical analysis using multiple linear regression. The results show that market risk and operating efficiency have a significant effect on the financial performance of the bank. Meanwhile, credit risk, capital, and liquidity have no significant effect on the bank's financial performance","PeriodicalId":416382,"journal":{"name":"Jurnal Keuangan dan Perbankan (KEBAN)","volume":"138 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-11-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115783171","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Profitability is a bank's ability to earn a profit during a certain period. The amount of profitability of a company tends to be influenced by various kinds of risks. The risks that occur will cause losses to the bank if it is not detected and not managed properly. The purpose of this study is to determine the effect of credit risk, operational risk, and liquidity risk on the profitability of rural banks in the city for the 2019 period. The number of samples taken is 10 rural banks, through purposive sampling technique. The data collection method used is the non-participant observation method with multiple linear regression data analysis techniques. Based on the results of the analysis, it was found that credit risk had no significant positive effect on profitability. Operational risk has a significant negative effect on profitability. Liquidity risk has a significant positive effect on profitability
{"title":"Risk Management in Gaining Profitability of Banking Companies","authors":"D. Saputera","doi":"10.30656/jkk.v1i1.3998","DOIUrl":"https://doi.org/10.30656/jkk.v1i1.3998","url":null,"abstract":"Profitability is a bank's ability to earn a profit during a certain period. The amount of profitability of a company tends to be influenced by various kinds of risks. The risks that occur will cause losses to the bank if it is not detected and not managed properly. The purpose of this study is to determine the effect of credit risk, operational risk, and liquidity risk on the profitability of rural banks in the city for the 2019 period. The number of samples taken is 10 rural banks, through purposive sampling technique. The data collection method used is the non-participant observation method with multiple linear regression data analysis techniques. Based on the results of the analysis, it was found that credit risk had no significant positive effect on profitability. Operational risk has a significant negative effect on profitability. Liquidity risk has a significant positive effect on profitability","PeriodicalId":416382,"journal":{"name":"Jurnal Keuangan dan Perbankan (KEBAN)","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-11-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134478482","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Impact of non-performing financing on the iB Hasanah home product at BSI KC Cilegon, How is the process of implementing restructuring on Griya iB Hasanah products at BSI KC Cilegon.Purpose : to determine the impact of non-performing financing and restructuring on Griya iB Hasanah products at BSI KC Cilegon.Methodology : This research was conducted using a qualitative descriptive method with the theory of problematic financing restructuring. As for the population, the Indonesian sharia bank KC. Cilegon as many as 2 informants, namely the collection assistant division and the Remedial Recovery Assistant. This research was conducted at Bank Syariah Indonesia KC. Cilegon in April to June. Data were collected through interviews and analyzed by data reduction.Results/Findings : Financing is a bank activity to channel funds to the public. The distribution of funds in the form of financing must be based on the trust given by the bank to customers who want to do financing. Banks must have confidence in customers that the funds provided will run properly and can be paid off, because the risk of financing is a big risk that results in problematic or bad financing. The impact of non-performing financing will disrupt bank operations and liquidity, the increasing NPF will greatly affect the bank and customer confidence in the bank will decrease, the lack of bank ability to expand financing will have a negative impact on the economy.To overcome the problem financing, the bank has a strategy in solving problem financing, namely by way of billing by telephone, giving warning letters or warnings, restructuring, namely Rescheduling, Reconditioning, Restructuring).Paper type : data reductio
{"title":"Restructuring As An Effort To Reduce The Impact Of Problem Financing On Griya Ib Hasanah Produc","authors":"Devi Liaanjani, S. Sutikno","doi":"10.30656/jkk.v1i1.3969","DOIUrl":"https://doi.org/10.30656/jkk.v1i1.3969","url":null,"abstract":"Impact of non-performing financing on the iB Hasanah home product at BSI KC Cilegon, How is the process of implementing restructuring on Griya iB Hasanah products at BSI KC Cilegon.Purpose : to determine the impact of non-performing financing and restructuring on Griya iB Hasanah products at BSI KC Cilegon.Methodology : This research was conducted using a qualitative descriptive method with the theory of problematic financing restructuring. As for the population, the Indonesian sharia bank KC. Cilegon as many as 2 informants, namely the collection assistant division and the Remedial Recovery Assistant. This research was conducted at Bank Syariah Indonesia KC. Cilegon in April to June. Data were collected through interviews and analyzed by data reduction.Results/Findings : Financing is a bank activity to channel funds to the public. The distribution of funds in the form of financing must be based on the trust given by the bank to customers who want to do financing. Banks must have confidence in customers that the funds provided will run properly and can be paid off, because the risk of financing is a big risk that results in problematic or bad financing. The impact of non-performing financing will disrupt bank operations and liquidity, the increasing NPF will greatly affect the bank and customer confidence in the bank will decrease, the lack of bank ability to expand financing will have a negative impact on the economy.To overcome the problem financing, the bank has a strategy in solving problem financing, namely by way of billing by telephone, giving warning letters or warnings, restructuring, namely Rescheduling, Reconditioning, Restructuring).Paper type : data reductio","PeriodicalId":416382,"journal":{"name":"Jurnal Keuangan dan Perbankan (KEBAN)","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115063036","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the application of MIX marketing as an effort to increase the number of deposit customers at Bank KB Bukopin KC Cilegon. The research was conducted using quantitative descriptive methods with the theory of elements of the marketing mix (product, price, place, promotion, people, process, physical). The population used as the employees and customers of Bank KB Bukopin KC Cilegon and the sample of informants as many as 30 respondents. The study was conducted at Bank KB Bukopin KC Cilegon on March 20 to July 22, 2021. Data were collected using a questionnaire or questionnaire, and analyzed using descriptive statistics of respondents on a Likert scale. Based on the results of the study, it can be concluded that the respondents obtained in the score category "agree" along with the variable score data include: Product 64%, Price 66%, Place 69%, Promotion 62%, People 66%, Process 72% and Physical 74% . This is in the "Good Enough" category and steps to implement strategies to maintain product quality, interest offered, increase promotions, services and building facilities so that customers continue to exist
本研究旨在确定MIX营销的应用，以努力增加银行KB Bukopin KC Cilegon的存款客户数量。本研究采用定量描述方法，结合营销组合要素(产品、价格、地点、促销、人员、过程、实物)理论进行。本次人口调查以KB Bukopin KC Cilegon银行的员工和客户为样本，举报人多达30人。该研究于2021年3月20日至7月22日在Bank KB Bukopin KC Cilegon进行。使用问卷或调查问卷收集数据，并使用李克特量表对受访者进行描述性统计分析。根据研究结果，可以得出结论，在得分类别中获得的受访者“同意”以及可变得分数据包括:Product 64%， Price 66%， Place 69%， Promotion 62%， People 66%， Process 72%和Physical 74%。这是在“足够好”的类别和实施策略的步骤，以保持产品质量，提供的兴趣，增加促销，服务和建设设施，使客户继续存在
{"title":"Analysis of the Application of Marketing Mix as an Effort to Increase the Number of Deposit Customers at Bank Kb Bukopin Kc Cilegon","authors":"Sibro Malisi, S. Sutikno","doi":"10.30656/jkk.v1i1.3972","DOIUrl":"https://doi.org/10.30656/jkk.v1i1.3972","url":null,"abstract":"This study aims to determine the application of MIX marketing as an effort to increase the number of deposit customers at Bank KB Bukopin KC Cilegon. The research was conducted using quantitative descriptive methods with the theory of elements of the marketing mix (product, price, place, promotion, people, process, physical). The population used as the employees and customers of Bank KB Bukopin KC Cilegon and the sample of informants as many as 30 respondents. The study was conducted at Bank KB Bukopin KC Cilegon on March 20 to July 22, 2021. Data were collected using a questionnaire or questionnaire, and analyzed using descriptive statistics of respondents on a Likert scale. Based on the results of the study, it can be concluded that the respondents obtained in the score category \"agree\" along with the variable score data include: Product 64%, Price 66%, Place 69%, Promotion 62%, People 66%, Process 72% and Physical 74% . This is in the \"Good Enough\" category and steps to implement strategies to maintain product quality, interest offered, increase promotions, services and building facilities so that customers continue to exist","PeriodicalId":416382,"journal":{"name":"Jurnal Keuangan dan Perbankan (KEBAN)","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127644095","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the impact of BSM in financing MSMEs in Serang City. The impact of BSM in financing MSMEs in Serang City is currently focused on providing business capital and business assistance. To what extent does Serang Branch BSM play an active role in empowering the community's economy in increasing the business of micro customers by continuing to provide capital financing for entrepreneurs who have prospects and meet the requirements in applying for financing The research method used is qualitative research by collecting data. The results of the study found that the factors that influence BSM in financing MSMEs in Serang City are seen from the types of products that are in demand where people's business loans are used as financing that helps small and medium enterprises in running their business
{"title":"The Impact of Islamic Banks in Financing MSMEs in Serang City","authors":"S. Sutikno, Nurdianawati Irwani Abdullah","doi":"10.30656/jkk.v1i1.3965","DOIUrl":"https://doi.org/10.30656/jkk.v1i1.3965","url":null,"abstract":"This study aims to determine the impact of BSM in financing MSMEs in Serang City. The impact of BSM in financing MSMEs in Serang City is currently focused on providing business capital and business assistance. To what extent does Serang Branch BSM play an active role in empowering the community's economy in increasing the business of micro customers by continuing to provide capital financing for entrepreneurs who have prospects and meet the requirements in applying for financing The research method used is qualitative research by collecting data. The results of the study found that the factors that influence BSM in financing MSMEs in Serang City are seen from the types of products that are in demand where people's business loans are used as financing that helps small and medium enterprises in running their business","PeriodicalId":416382,"journal":{"name":"Jurnal Keuangan dan Perbankan (KEBAN)","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124695219","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The Problem of Checking Guarantee Data Process at PT. BPR Serang (Perseroda), How is the Assessment Method for Credit Guarantees at PT. BPR Serang (Perseroda), How to bind credit guarantees at PT. BPR Serang Objective To find out the process of checking credit guarantee data at PT. BPR Serang, To understand the credit guarantee assessment method at PT. BPR Serang, To understand the binding of credit guarantees at PT. BPR Serang. The writing method used is descriptive qualitative method, which is a form of data collection that aims to describe, describe a situation or a problem, where the correct data is taken, the time and place of this research starts from March 20 to April. 30 which is held from 08.00 to 15.00 WIB. Data collection techniques in this study were observation, interviews, documentation. And data analysis techniques used in this study were triangulation, data reduction, data presentation, and drawing conclusions. Results/Findings: In the process of checking this data in submitting a credit application, the first thing that must be known is the nature of a customer's commitment so that we know that this responsibility must be carried out by every customer who applies for credit, and in the process of checking this guarantee data each customer is required to meet the guarantee criteria, namely having Marketability, meaning that goods or objects can be easily sold, Ascertainability, meaning that the goods or objects can be assessed in a general and definite manner, Stability, The collateral assessment process required in this credit application is seen from several sources that carried out by PT. BPR Serang including Fair Market Value is the value or price of collateral prevailing in the market at the time the valuation is carried out, and For this land security assessment, looking at the source of the assessment of the Sales Value of the Tax Object contained in the certificate, the party will do a re-calculation for the valuation of the collateral calculated by the percentage of land collateral is 80% and the results of the calculation are used as collateral value in the credit application. In the binding of credit guarantees carried out by PT. BPR attacks, this binding is carried out using SKMHT and APHT, and each has provisions including for a credit limit of less than Rp. 30,000,000 using SKMHT, and for a credit limit of more than Rp. 30,000,000 using APHT. and for this binding fee, including the verification fee for the SKMHT AND APHT guarantee fee of Rp. 1,000,000, 125% mortgage fee
{"title":"Analysis Of Collateral Value In Provision Of Credit Customer BPR Serang","authors":"Rizki Hikmatullah, S. Sutikno","doi":"10.30656/jkk.v1i1.3967","DOIUrl":"https://doi.org/10.30656/jkk.v1i1.3967","url":null,"abstract":"The Problem of Checking Guarantee Data Process at PT. BPR Serang (Perseroda), How is the Assessment Method for Credit Guarantees at PT. BPR Serang (Perseroda), How to bind credit guarantees at PT. BPR Serang Objective To find out the process of checking credit guarantee data at PT. BPR Serang, To understand the credit guarantee assessment method at PT. BPR Serang, To understand the binding of credit guarantees at PT. BPR Serang. The writing method used is descriptive qualitative method, which is a form of data collection that aims to describe, describe a situation or a problem, where the correct data is taken, the time and place of this research starts from March 20 to April. 30 which is held from 08.00 to 15.00 WIB. Data collection techniques in this study were observation, interviews, documentation. And data analysis techniques used in this study were triangulation, data reduction, data presentation, and drawing conclusions. Results/Findings: In the process of checking this data in submitting a credit application, the first thing that must be known is the nature of a customer's commitment so that we know that this responsibility must be carried out by every customer who applies for credit, and in the process of checking this guarantee data each customer is required to meet the guarantee criteria, namely having Marketability, meaning that goods or objects can be easily sold, Ascertainability, meaning that the goods or objects can be assessed in a general and definite manner, Stability, The collateral assessment process required in this credit application is seen from several sources that carried out by PT. BPR Serang including Fair Market Value is the value or price of collateral prevailing in the market at the time the valuation is carried out, and For this land security assessment, looking at the source of the assessment of the Sales Value of the Tax Object contained in the certificate, the party will do a re-calculation for the valuation of the collateral calculated by the percentage of land collateral is 80% and the results of the calculation are used as collateral value in the credit application. In the binding of credit guarantees carried out by PT. BPR attacks, this binding is carried out using SKMHT and APHT, and each has provisions including for a credit limit of less than Rp. 30,000,000 using SKMHT, and for a credit limit of more than Rp. 30,000,000 using APHT. and for this binding fee, including the verification fee for the SKMHT AND APHT guarantee fee of Rp. 1,000,000, 125% mortgage fee","PeriodicalId":416382,"journal":{"name":"Jurnal Keuangan dan Perbankan (KEBAN)","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130621273","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Financial technology in Indonesia has enormous potential and is easy to manage compared to banks. Financial technology is also easier to use as a source of capital for both stable companies and start-ups. Despite the fact that the great potential can be felt by the public. Other current financial technology companies can integrate funding, financing, and profit distribution systems. In the current era, it is supported by the use of digitalization process technology and using the Financial Technology (FinTech) system so that it is economical and efficient. The benefits of this research are expected to be a solution to capital problems that have been faced by small businesses. In addition, it also encourages the growth and development of entrepreneurship for young people, which can be started by establishing a startup company. This research approach is descriptive qualitative. The data taken is primary data with focus group discussions and interviews as data collection techniques. The research object consists of 30 startups owned by youth in Jakarta. The results of this study can be used as an alternative economical solution to capital problems for small businesses and startup companies. The Financial Technology System is a system that is able to integrate funding, financing, investors, startup companies, Financing Guarantee Institutions, and Banks
{"title":"Finance Technology as a Solution to Get Capital for Small Business Today","authors":"S. Sutikno, D. Kuruppuarachchi","doi":"10.30656/jkk.v1i1.3964","DOIUrl":"https://doi.org/10.30656/jkk.v1i1.3964","url":null,"abstract":"Financial technology in Indonesia has enormous potential and is easy to manage compared to banks. Financial technology is also easier to use as a source of capital for both stable companies and start-ups. Despite the fact that the great potential can be felt by the public. Other current financial technology companies can integrate funding, financing, and profit distribution systems. In the current era, it is supported by the use of digitalization process technology and using the Financial Technology (FinTech) system so that it is economical and efficient. The benefits of this research are expected to be a solution to capital problems that have been faced by small businesses. In addition, it also encourages the growth and development of entrepreneurship for young people, which can be started by establishing a startup company. This research approach is descriptive qualitative. The data taken is primary data with focus group discussions and interviews as data collection techniques. The research object consists of 30 startups owned by youth in Jakarta. The results of this study can be used as an alternative economical solution to capital problems for small businesses and startup companies. The Financial Technology System is a system that is able to integrate funding, financing, investors, startup companies, Financing Guarantee Institutions, and Banks","PeriodicalId":416382,"journal":{"name":"Jurnal Keuangan dan Perbankan (KEBAN)","volume":"42 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121501213","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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