Abstract- The determinants of bank performance can be grouped into three groups, namely; 1) bank specific factors related to management decisions and policy objectives, 2) industry factors related to industrial structure and market growth, and 3) macroeconomic factors that reflect the economic conditions in which the bank operates. This study analyzes the effect of bank-specific factors and industry factors on banking performance using panel data regression analysis on a sample of 39 Indonesian Commercial Banks during the 2015-2019 period. Bank specific factors consist of bank size, efficiency, and capital adequacy, while the industrial factor in this study is the market structure which includes market concentration and market share. Banking performance is measured by Return on Equity and Net Interest Margin. The results of this study indicate that bank size and efficiency (BOPO) has a negative and significant effect on banking performance. Capital adequacy and market concentration have no effect on banking performance. Meanwhile, the market share variable has a positive and significant effect on banking performance as measured by Net Interest Margin but does not affect banking performance as measured by Return on Equity. Keywords : bank size, efficiency, capital adequacy, market structure, banking performance Abstrak- Determinan kinerja bank dapat dikelompokkan menjadi tiga kelompok yaitu ; 1) faktor spesifik bank yang terkait dengan keputusan manajemen dan tujuan kebijakan, 2) faktor industri yang terkait struktur industri dan pertumbuhan pasar, dan 3) faktor makroekonomi yang mencerminkan keadaan ekonomi dimana bank beroperasi. Penelitian ini menganalisis pengaruh faktor spesifik bank dan faktor industri terhadap kinerja perbankan dengan menggunakan analisis regresi data panel pada sampel dari 39 Bank Umum Konvensional Indonesia selama periode 2015-2019. Faktor spesifik bank terdiri atas ukuran bank, efisiensi, dan kecukupan modal sedangkan faktor industri dalam penelitian ini adalah struktur pasar yang meliputi konsentrasi pasar dan pangsa pasar. Kinerja perbankan diukur dengan Return on Equity dan Net Interest Margin. Hasil penelitian ini menunjukkan hasil bahwa variabel ukuran bank dan efisiensi (BOPO) memiliki pengaruh negatif dan signifikan terhadap kinerja perbankan. Variabel kecukupan modal dan konsentrasi pasar tidak berpengaruh terhadap kinerja perbankan. Sedangkan variabel pangsa pasar memiliki pengaruh positif dan signifikan terhadap kinerja perbankan yang diukur dengan Net Interest Margin namun tidak berpengaruh terhadap kinerja perbankan yang diukur dengan Return on Equity. Keywords : ukuran bank, efisiensi, kecukupan modal, struktur pasar, kinerja perbankan
Financing risk is often associated with the risk of default. This risk refers to the potential losses faced by the bank when financing provided to debtors is stuck. The purpose of this paper is to analyze the effect of macroeconomic and bank specific factors on nonperforming financing in sharia commercial bank in Indonesia. The macroeconomic factors included; inflation and Bank Indonesia Certificates Sharia (SBIS). The Bank specific factors included; Capital Adequacy Ratio (CAR), Return on Assets (ROA), Operations Expenses to Operations Income (BOPO), and Financing to Deposit Ratio (FDR). The period covered under this study was January 2011 to December 2017. Data was collected from Bank Indonesia website and Indonesia Banking Statistics. Contrary to other studies, the inflation and SBIS have not been found statistically significant with nonperforming financing. The results also show that NPF can be explained mainly by Bank specific factors. CAR, ROA, and FDR have a negative effect on NPF while BOPO has a positive effect on NPF.
There are two aspects to examining whether mutual fund managers perform well and enable high return from mutual funds; these are selectivity and market timing ability. The purpose of this paper is to examine selectivity and market timing ability of Indonesia Mutual Funds from January 2009 to December 2016 using monthly returns. Treynor & Mazuy and Henriksson & Merton models applied to a sample size of 33 mutual funds. Both models show that the investment managers of mutual funds in Indonesia have no selectivity ability. The result also found that 11 mutual funds have positive statiscally significant market timing coefficient using Treynor & Mazuy models and 10 mutual funds have positive statiscally significant market timing coefficient using Henriksson & Merton Models.
Women's empowerment is an important strategy in increasing the role and opportunities of women in improving their economy and is an effort to increase and actualize their potential so that they are more able to be independent and work, and are more respected. This study aims to analyze the probability of empowering women in the songket handicraft business according to dimensions of women's empowerment. Testing and analyzing the dimensions of women's empowerment consisting of welfare, access, awareness/critical awareness, participation, and control of women's empowerment. In this study we used the binary logistic regression. The results showed that the dimensions of participation and control have a positive and significant effect on women's empowerment.
Kegiatan menghimpun dan menyalurkan dana masyarakat merupakan kegiatan utama Bank. Bank menghimpun dana dari masyarakat dalam bentuk simpanan giro, simpanan tabungan, dan simpanan deposito. Dana tersebut disalurkan ke masyarakat dalam bentuk kredit seperti kredit investasi, kredit modal kerja, kredit perdagangan, kredit konsumtif, dan kredit produktif. Penyaluran kredit ini dapat dipengaruhi oleh berbagai faktor internal dan eksternal. Penelitian ini menganalisis beberapa faktor internal yang mempengaruhi penyaluran kredit yaitu variabel ukuran bank, efisiensi (BOPO), dana pihak ketiga, tipe kepemilikan, dan likuiditas (Loan to Deposit Ratio) pada 39 Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia selama 2015 s.d. 2019. Penelitian ini mendapatkan hasil bahwa hanya variabel BOPO yang tidak berpengaruh terhadap penyaluran kredit. Variabel tipe kepemilikan memiliki pengaruh negatif dan signifikan terhadap penyaluran kredit sedangkan variabel ukuran bank, dana pihak ketiga, dan likuiditas memiliki pengaruh positif dan signifikan terhadap penyaluran kredit. Variabel DPK memiliki pengaruh yang paling dominan terhadap penyaluran kredit yang mengindikasikan bahwa masyarakat memiliki kepercayaan terhadap kredibilitas dan eksistensi perbankan sebagai penghimpun dana masyarakat.
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