AUTHORS Hanifan Fajar Umanto ARTICLE INFOHanifan Fajar and Umanto (2017). The impact of macroeconomic and bank-specific factors toward non-performing loan: evidence from Indonesian public banks AbstractThe present study focuses on the need for banking sector to be more reactive when facing globalization that could bring impact on banking industries complexity. Based on empirical studies, there is a need to analyze non performing loan determinants comprehensively using macroeconomic and bank-specific factors to make a good condition on bank, because combining macroeconomic and bank-specific variable as NPL determinants has made a big improvement to analyze NPL. The object of present study is 20 Banks listed in Indonesia Stock Exchange (IDX) between q12005-q42014. Using dynamic panel data GMM-system method shows that the previous period of NPL (non performing loan), change of PDB (Gross Domestic Product) and inflation rate have a significantly negative impact on NPL. However, BOPO (Operations Expenses to Operations Income) and ROE (Return on Equity) has a significantly positve relationship to NPL. On the other hand, this research does not find any significance on BI rate (interest rate), solvency ratio, and size to NPL. From the result, it can be concluded that combining macroeconomic and bank-specific variable could be an alternative method to analyze NPL determinants on bank.
Studies related to intellectual capital, particularly in banking sector, are basically focused on the relationship between intellectual capital performance and bank performance. In con¬trast to previous studies, this study analyzes the intellectual capital performance of regional development banks throughout Indonesia to develop performance through management of efficiency and productivity. The population and sample in this study consist of 26 regional development banks in Indonesia for the period 2007–2013. The management of efficiency is measured using the ratio of operating expense to operating income (BOPO), while the management of labor productivity is measured using the ratio of labor expenses to total operating expense and income level. At the theoretical level, this study is expected to fill the gap for the assessment of intellectual capital performance of banking institutions with unique characteristics such as regional development banks. To analyze intellectual capital performance, VAICTM method developed by Pulic (1998, 2000, 2004, 2008) is applied. The findings show that the intellectual capital performance of regional development banks is in the category of common performers. Finally, regional development banks need to focus on the importance of strengthening intangible resources directly affecting banking management in terms of strengthening information technology, positioning, and management competence, as well as organizational culture and working climate.
The ISO 14001 environmental management system has been implemented by many types of organizations, but there are still many differences of opinion related to the effectiveness of the implementation of this standard on improving environmental performance in an organization. The effectiveness of the implementation of environmental management system standards is highly dependent on strategic planing gaps with other management systems integrated in an organization. The balanced scorecard concept has provided a comprehensive framework for translating the company's strategic planning into more comprehensive performance measurement. To analyze the condition of strategic planing in an integrated management system that has adopted the concept of a balanced scorecard at PT. Xyz, researchers used a descriptive analysis method, the results obtained that strategic planning in 2014, 2015 and 2018 have coherence, but in 2016-2017 it is not coherent, which means that strategic planning starts not in accordance with the attributes of the balanced scorecard concept. Correlation test method is used to analyze the effect of strategic planning with environmental performance and economic performance at PT. Xyz, the results obtained that strategic planning in an integrated management system that adopts a balanced scorecard has a positive effect on environmental performance but does not have a positive effect on economic performance. Strategic planning interventions through the formulation of corporate strategy using the DEMATEL method obtained corporate strategy impact relations map which formulates the six criteria of the most priority corporate strategy recommendations for improving environmental performance and economic performance at PT. Xyz in the future
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.