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All Journal Proceedings of Annual International Conference Syiah Kuala University - Social Sciences Chapter Journal of Business & Banking
Anggraeni Anggraeni
STIE Perbanas Surabaya
Economics, Econometrics & Finance

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The Contribution of Risk Management to Profit and Cost Efficiency in Rural Shariah Banks (BPRS) Anggraeni Anggraeni
Proceedings of AICS - Social Sciences Vol 6 (2016): Proceeding of 6th AIC in conjuction with ICMSA
Publisher : Proceedings of AICS - Social Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (533.212 KB)

Abstract

The development of Shariah baking in Indonesia has been so tremendous that the banks should try their efforts to improve their operation. Risk management is vital to be implemented in order that the operation can minimize any risk. This study examines the impact of risk management practice on the profit and cost efficiency in the rural Islamic banks. The data were collected from 33 BPRS but only 29 could be analyzed using the current software. This study also tried to implement better software for financial report. Initially, the initial report shows that, on average, the efficiency is 64% in which the minimum is 30% and maximum is 100%. In fact, only five banks could achieve the efficiency that is from 29 banks during  the investigation. From city of origin, it was found that the banks in Pasuruan and those which are in Probolinggo are the most efficient.
Pengaruh likuiditas, kualitas aktiva, sensitivitas pasar, efisiensi, dan profitabilitas terhadap CAR pada bank devisa yang go public Hadi Susilo Dwi Cahyono; Anggraeni Anggraeni
Journal of Business & Banking Vol 5, No 1 (2015): May - October 2015
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v5i1.476

Abstract

CAR is one indicator used to measure the bank capital adequacy. Capital for bank is used to absorb loss emerged from banking activities, and as the basis of some policies releasead by Indonesia Bank. This research tries to investigate whether the independent variables of LDR, IPR, APB, NPL, IRR, PDN, BOPO, FBIR, ROA, and ROE both simultaneous-ly and partially have significant effect on CAR and which variable has the dominant effect on CAR. This research uses secondary data taken from financial statements from period I Quarterly of 2010 until II Quartely in 2014 of the go-public national private banks. The sample consists of PT. Internasional Indonesia Bank, Tbk, PT. Permata Bank, Tbk, and PT. Pan Indonesia Bank, Tbk. The data were processed by using SPSS 11.5 input results and F-test to see the effect simultaneously as well as t-test to see the effect partially. It shows that LDR, IPR, APB, NPL, IRR, PDN, BOPO, FBIR, ROA, and ROE simultaneously have significant effect on CAR. Yet, partially, only IPR, APB, and PDN have significant effect on CAR. The most dominant is APB that is 23.45 percent.
THE INFLUENCE OF BUSINESS RISK TOWARD CAPITAL ADEQUACY RATIO (CAR) ON FOREIGN EXCHANGE NATIONAL PRIVATE COMMERCIAL GO PUBLIC BANKS Gustaf Naufan Febrianto; Anggraeni Anggraeni
Journal of Business & Banking Vol 6, No 1 (2016): Mei - Oktober 2016
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v6i1.892

Abstract

The purpose of the research is to determine LDR, IPR, NPL, APB, IRR, PDN, FBIR, and BOPO simultaneously and partially have significant influence toward Capital Adequacy Ratio (CAR).Population were the foreign Exchange National Private Commercial Go Public Banks. Sampling technique is purposive sampling so that the selected Bank were Himpunan Saudara 1906, Ekonomi Raharja and bank Mayapada International. Data collected by the methods of documentation and analysis were performed by linear multiple regression analysis technique.Results shows that LDR, IPR, NPL, APB, IRR, PDN, FBIR And BOPO simultaneously have significant effect toward Capital Adequacy Ratio (CAR) ratio on foreign Exchange National Private Commercial Go Public Banks. Partially BOPO ratio significantly has a negative effect on Capital Adequacy Ratio (CAR) ratio. Meanwhile LDR, IPR, NPL, IRR and FBIR has a possitive effect but insignificant toward CAR ratio On foreign Exchange National Private Commercial Go Public Banks. On the other side APB and PDN have negative effect but insignificant toward CAR ratio on foreign Exchange National Private Commercial Go Public Banks.
Diversifikasi Aset, Risiko Bank, Ukuran Bank, dan Likuiditas Bank terhadap Efisiensi Bank Syariah di Indonesia Anggraeni Anggraeni; Iik Arie Saputri
Journal of Business & Banking Vol 10, No 1 (2020): Mei - Oktober 2020
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v10i1.2182

Abstract

There are some factors that affect the banks’ efficiency and therefore, it is important to do research in relation to analyze those factors. The efficiency of the banking industry is required. The purpose of this study is to examine the effect of asset diversification, bank risk, bank size, and bank liquidity on the efficiency of sharia banks using Stochastic Frontier Analysis (SFA). The sample of this research is Sharia Commercial Bank, in Indonesia, which has been registered in OJK for the 2014-2018 period. The data were analyzed by using descriptive and statistical analysis with Frontier 4.1. The results showed that asset diversification, bank risk, and bank liquidity had a negative effect on efficiency. On the contrary, Total Assets has a positive effect on Efficiency. It is recommended that the banks should minimize their risk in order to increase efficiency as well as not to diversify their assets.
PENGARUH PERTUMBUHAN DANA PIHAK KETIGA DAN AKTIVA PRODUKTIF TERHADAP PERTUMBUHAN NET INTEREST MARGIN (NIM) PADA BANK-BANK PEMERINTAH DAERAH Khuryatul Machila; Anggraeni Anggraeni
Journal of Business & Banking Vol 3, No 2 (2013): November 2013
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v3i2.241

Abstract

This study attempts to solve the problem dealing with a good profitability of bank which occurs when net interest margin (NIM) on bank rises from year to year. However, this does not occur in the local government banks. Therefore, it is very important to find out what factors are influencing the decrease of NIM in local government banks. The aim of this study to determine the influence of demand deposits, saving deposits, time deposits, loan received, interbank placement, securities and loans both simultaneously and individually have significant effect on the NIM growth in local government banks. It uses multiple regressions for the analysis. It shows that demand deposits, saving deposits, time deposits, loan received, interbank placement, securities and loans growth simultaneously did not significantly affect the NIM growth in local government banks. Demand deposits, saving deposits, time deposits, interbank placement, loan received and loans growth partially did not affect insignificantly and negatively either. The security growth partially has significant and positive effect on the NIM and among seven independent variables; security growth has dominant effect on the NIM.
Co-Authors Febrianto, Gustaf Naufan Hadi Susilo Dwi Cahyono Iik Arie Saputri Khuryatul Machila