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ANALISIS EFISIENSI DAN SKALA EKONOMIS : STUDI PADA PERBANKAN SYARIAH DI INDONESIA Suhel Suhel; H.T. Dzulkarnain Amin; Rina Indiastuti; Kodrat Wibowo
Indonesian Journal of Economics and Business Vol 2, No 2 (2012)
Publisher : Universitas Padjadjaran

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Abstract

This study to analyze cost eficiency at Islamic Banking Industry in Indonesia, by using Stochastic Frontier Approach (SFA), scale economies. The unit analyze of this study is Comercial Islamic Banking/ Bank Umum Syariah (BUS) that has operated at least since 2005. This study is using data panel.The data used is data of quarterly bank unit from financial report of Islamic Banking, The study shows that during 2005 – 2009 period, Islamic Banking Industry has average of eficiency level about 87,15 percent. However, the trend shows that the performance is improving.  It is also that economies of scale is more than 1 too, it meaning that Islamic Banking Industry is in economies of scale condition. Individually, Islamic Banking also shows the same condition.
ANALISIS KEBERLANJUTAN PASAR TRADISIONAL DALAM IKLIM PERSAINGAN USAHA YANG DINAMIS DI KOTA BANDUNG Rina Indiastuti; Fitri Hastuti; Yudi Azis
Sosiohumaniora Vol 10, No 2 (2008): SOSIOHUMANIORA, JULI 2008
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/sosiohumaniora.v10i2.5394

Abstract

Lingkungan persaingan yang dinamis antara pasar tradisional dan modern mengakibatkan posisi pasar tradisional mengalami pergeseran dengan dugaan terjadinya penurunan daya tarik pasar tradisional seiring dengan perubahan dinamis pasar modern yang disesuaikan dengan kondisi pembeli. Revitalisasi beberapa pasar tradisional yang telah dilakukan di Kota Bandungmelalui renovasi bangunan ternyata belum cukup untuk meningkatkan daya tarik. Studi ini bermaksud mengkaji peluang keberlanjutan pasar tradisional dengan meneliti faktor signifikan yang menjadi keunggulan pasar tradisional agar dapat tumbuh berkelanjutan. Metode penelitian menggabungkan penelitian deskriptif dan verifikatif. Penelitian deskriptif menggunakan skoring yang diperoleh dari aplikasi the law of comparative judgment (LCJ). Karakteristik responden mewakili lokasi, tingkat pendapatan, tingkat pendidikan dan ukuran keluarga. Informasi dari pedagang yang mewakili pasar tradisional, pasar modern dan pedagang informal juga dikumpulkan sebagai data melengkapi data pembeli. Perilaku pembelian dan penjualan barang terbatas untuk bahan pangan, makanan/minuman jadi, dan toileteries. Penelitian verifikatif menggunakan metode analisis correspondence analysis (CA) dan analisis diskriminan. Hasil penelitian memperlihatkan bahwa pasar tradisional masih memiliki peluang berkembang berdampingan dengan pasar modern (co-exist), karena harga jual masih bersaing relatif dibandingkan harga pasar modern dan masih dimilikinya segmen pembeli yang mempertimbangan ketersediaan anggaran belanja untuk memperoleh kepuasan maksimum. Kelompok pembeli tersebut merupakan segmen cukup besar meliputi pembeli berpendapatan rendah, pedagang keliling, usaha olahan makanan, dan warung. Peranan pemerintah daerah sebagai pemilik, baru memposisikan pasar tradisional sebagai potensi sumber pendapatan asli daerah (PAD), namun belum menyertainya dengan pengelolaan pasar yang profesional, sehingga daya saing pasar tradisional dipersepsikan menurun menghadapi ancaman meningkatnya daya tarik pasar modern. Kata kunci: keberlanjutan usaha, pasar tradisional, pasar modern, persaingan, perilaku konsumen
DETERMINANTS OF ASSETS GROWTH OF FOREIGN OWNED BANKS IN INDONESIA Aswin Rivai; Rina Indiastuti
Aliansi : Jurnal Manajemen dan Bisnis Vol 13, No 2 (2018): Aliansi : Jurnal Manajemen dan Bisnis
Publisher : Sekolah Tinggi Manajemen IMMI Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46975/aliansi.v13i2.22

Abstract

The aim of this research is to assess the dominant factors enabling foreign owned banks to increase their assets in Indonesia and to confirm whether the “follow the customers hypothesis” is also applicable in motivating foreign owned banks to do business in Indonesia to support investment and trade activities of the companies originated from foreign countries. Using the panel data of 28 foreign owned commercial banks in Indonesia between 2006-2015 obtained from Indonesian Banking Directory, Indonesian Banking Statistics databases, foreign country central bank websites, a least square dummy variable (LSDV) regression model was applied to examine the effect of Bilateral Trade, Foreign Direct Investment (FDI), Interest Rate Differences, Domestic Deposits, Parent banks Return on Assets (ROA) and Length of Time presence of the foreign owned banks in Indonesia on Assets or Size of Foreign Owned Banks. The main findings is that the decisions by foreign owned banks to operate and to expand its business in Indonesia is predominantly affected by the increase in realization of projects funded by Foreign Direct Investment from counterpart countries, third parties fund or domestic deposit denominated in foreign currencies, profitability of the parent banks in home country and long time presence in Indonesia to enable parent bank and their branches or subsidiaries gain better operating experience, better general managerial expertise and better knowledge of local environment. Bilateral Trade and Interest Rate Differences between home and host country has no impacts at all on Assets of Foreign Owned Banks. “Follow the customer hypothesis” is applicable in Indonesia only in terms of FDIs but not applicable in terms of bilateral trade. The findings will help management of the banks in designing more reliable business plan and also used as input or tools for policy makers prior issuing the license for the newly open foreign owned banks offices or increase of its branch offices. It is suggested foreign owned banks to consider empowering its trade financing scheme which will increase the banks size or assets.
Moderating Impact of Ownership Structure on Relationship of Equity Market Timing with Capital Structure on Companies Listed on Indonesia Stock Exchange Irni Yunita; Rina Indiastuti; Ria Ratna Ariawati; Erie Febrian
International Journal of Family Business Practices Vol 1, No 2 (2018)
Publisher : Faculty of Business, President University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (521.777 KB) | DOI: 10.33021/ijfbp.v1i2.641

Abstract

The purpose of this research is to determine the effect of market to book ratio on leverage change with ownership structure as moderating variable. The research sample is 41 companies in Indonesia Stock Exchange which conducted IPO in 2005 - 2010. The analysis period is five years after an IPO. The independent variable is market to book ratio, the dependent variable is leverage change and control variable is tangibility, profit and size. The moderating variables are managerial and institutional ownerships which included as ownership structure. This research is using data panel regression. The results show that companies in Indonesia pursued the equity market timing strategy because there is a positive effect of market to book ratio into equity issue and negative effect of market to book ratio into leverage change. The results also show that institutional ownership structure moderating the equity market timing. However, managerial ownership does not moderating the equity market timing.
Kebijakan Pembelajaran dan Kemahasiswaan di Era Disrupsi Inovasi Rina Indiastuti
Prosiding SNPBS (Seminar Nasional Pendidikan Biologi dan Saintek) 2018: Prosiding SNPBS (Seminar Nasional Pendidikan Biologi dan Saintek)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

Kebijakan Pembelajaran dan Kemahasiswaan di Era Disrupsi Inovasi