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"Many researchers have proven that there is a relationship between TQM implementation and organizational performance, especially financial performance ...."

"In the competitive,global and turbulent business environment, quality is the only key to survive...."

"The research has purpose to examine the correlation between CAMEL as financial performance measurement of BPR according to Bank Indonesia regulation, and Economic Value Added (EVA) as the alternative financial performance measurement for banking. Susyanti et al (2003) find EVA has a better potention than analytical ratio of CAMEL to measure bank financial performance,but Purwanti (1999) finds EVA can explain significanly about the dividing of some group of companies that have a good or bad financial performance. Saraswati (2004) finds analysis of bank according to CAMEL?s method is significanly different with EVA?s method.The sample of this research are 214 BPR in Central Java that published their financial statement period 2009 by the Bank Indonesia?s website. The research variables are EVA and CAMEL which measured by NPL (non performing loan), KPMM (Kewajiban Penyediaan Modal Minimum), LDR (Loan to Deposit Ratio) and ROA (Return on Assets). EVA is measured by categorical, positive and negative, according to Young and O?Byrne approach (2001), and NPL, KPMM, LDR, and ROA are measured by categorical, good performance and bad performance, according to Bank Indonesia regulation. The hypothesis are tested by chi-square and crosstab analysis.The result shows that financial performance of BPR are measured by NPL, KPMM, and ROA have significant correlation with EVA, but LDR has no correlation with EVA. According to the crosstab analysis, the research find that financial performance of BPR in NPL has negative correlation with EVA, and financial performance of BPR in ROA has positive correlation with EVA."

"Perbankan memiliki peranan yang vital sebagai perantara (intermediaries) sektor keuangan. Untuk sektor perbankan mikro (microbanking), maka BPR (Bank Perkreditan Rakyat) memiliki posisi yang strategis. Sejak awal keberadaannya BPR telah memiliki misi membantu masyarakat miskin, terutama di wilayah pedesaan, yakni memberikan akses terhadap pelayanan keuangan. Namun agar tetap dapat berkelanjutan, BPR juga harus mampu menghasilkan keuntungan yang memadai. Untuk itu BPR juga harus memiliki kinerja keuangan yang baik. Dengan data-data utama bersumber dari laporan keuangan BPR di wilayah Jabodetabek, Jawa Barat, dan Banten, penelitian ini bermaksud mengeksplorasi faktor-faktor yang dianggap berhubungan erat dan signifikan pengaruhnya terhadap kinerja keuangan BPR. Kemudian, analisis lebih lanjut juga dilakukan untuk melihat kinerja keuangan dan jangkauan (outreach) dari BPR. Penelitian ini bersifat kuantitatif dengan metode Anova dan Regresi Linier Berganda, namun didukung dengan informasi kualitatif deskriptif.Hasil penelitian menjelaskan bahwa faktor-faktor efisiensi operasional dan pengelolaan kualitas aktiva yang baik merupakan faktor utama peningkatan kinerja keuangan. Selanjutnya peningkatan kinerja keuangan BPR tetap dapat sejalan dengan pencapaian misi sosial yaitu menjangkau masyarakat miskin. Namun seiring pertumbuhannya BPR juga ternyata mulai mengalami gejala pergeseran misi. BPR juga masih terkendala struktur biaya yang tinggi yang berakibat pada tingginya suku bunga pinjaman diberikan. Kemudian ditemukan hasil bahwa BPR yang dimiliki oleh pemerintah daerah dan BPR yang berlokasi di pedesaan masih mengedepankan misi sosial yakni pelayanan kepada nasabah miskin.

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Bank plays a vital role as intermediaries in the financial sector, as well as microbanking sector, in which BPR (people credit bank) has strategic position. BPR has, in the first place, been setting up mission to assist the poor, particularly those in the rural areas; through providing access to financial services. However, to be sustainable, BPR must also be able to produce reasonable amount of profits. Therefore, BPR should be having a good financial performance as well. With main data from BPR?s financial statements, BPRs in Jabodetabek, West Java and Banten, this research endeavors to explore determinants that highly and significantly correlate with BPR?s financial performance. A further analysis then conducted to explain financial performance and BPR?s outreach. This is a quantitative research which contains Anova method and Multiple Regression Analysis, supported with descriptive qualitative information.Results show that operational efficiency and sound asset quality management are principal factors in improving financial performance. Thus, improving financial performance could also go hand in hand with attaining social mission i.e. reaching the poor. But, along with its growth it turns out that BPR begins to experience mission drift phenomenon. BPR is still also facing high cost structure that has impact on the high interest rate charged on loan given. Moreover, it was found that BPR owned by local government as well as BPR located in rural setting is still stay true to social mission that is serving poor clients."

"Penelitian ini ingin mengetahui faktor-faktor keuangan dan non keuangan yang mempengaruhi tingkat kesehatan Bank Perkreditan Rakyat (BPR). Faktor-faktor keuangan yang diteliti adalah CAR, NPL, ROA dan LDR serta faktor non keuangan adalah Manajemen. Metode penelitian yang digunakan adalah pengolahan data dan uji statistik dengan melakukan regresi faktor-faktor dimaksud terhadap nilai tingkat kesehatan BPR.Hasil regresi parsial menunjukkan bahwa ternyata faktor keuangan berupa CAR dan LDR tidak mempengaruhi tingkat kesehatan BPR sedangkan faktor NPL, ROA dan faktor Manajemen mempengaruhi tingkat kesehatan BPR.Sementara itu dari hasil regresi diketahui bahwa secara bersama-sama semua faktor mempengaruhi tingkat kesehatan BPR dan NPL merupakan faktor yang paling besar mempengaruhi tingkat kesehatan BPR.

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This thesis measures the Financial and Non Financial Factors that influence the Soundness of Rural Bank. Financial factors that are analyzed in this thesis are Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Return On Assets (ROA), Loan to Deposit Ratio (LDR), and non financial factor is Management Index.The result of statistical test (in partial) indicates that CAR and LDR have no correlation and influence to soundness of rural bank, but NPL, ROA and Management Index have influence over the other factors.The result of regression analysis provide evidence that all of independent factorsinfluence the soundness of rural bank and NPL the factor that give more influencecompared to other factors."

"[ABSTRAKPenelitian ini menggunakan unbalanced data panel Bank Perkreditan Rakyat untukperiode sampel 2008-2012, penelitian ini menganalisis hubungan strukur modalkeuangan (leverage keuangan dan modal), skala operasi (kredit yang diberikan),bentuk badan hukum dan krisis keuangan global terhadap kinerja Bank PerkreditanRakyat. Menggunakan model random effect, penelitian ini menemukan bahwaleverage keuangan berpengaruh negatif terhadap profitabilitas Bank PerkreditanRakyat di Indonesia. Kewajiban penyediaan modal minimum (KPMM) memberikanpengaruh positif dan signifikan terhadap kinerja Bank Perkreditan Rakyat. Penelitianini juga memberikan bukti bahwa kredit yang diberikan kepada pihak terkaitberpengaruh negatif terhadap profitabilitas dan keberlanjutan Bank PerkreditanRakyat. Selain itu, Bank Perkreditan Rakyat berbadan hukum koperasi memilikikinerja keuangan yang paling baik dibanding Bank Perkreditan Rakyat berbadanhukum lain. Variabel makroekonomi krisis keuangan global yang dimasukkan dalampenelitian ini memberikan pengaruh negatif terhadap kinerja Bank PerkreditanRakyat di Indonesia.

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ABSTRACTThis study uses unbalanced panel data Rural Bank for the sample period 2008-2012,this study analyzed the relationship of financial capital structure (financial leverageand capital), the scale of operations (loans granted), the legal status and the globalfinancial crisis on the performance of Rural Banks, Using random effects models, thestudy found that financial leverage negatively affect the profitability of Rural Banksin Indonesia. Capital adequacy (CAR) provides a positive and significant effect onthe performance of Rural Banks. This study also provides evidence that the loansgranted to related parties negatively affect the profitability and sustainability of theRural Bank. In addition, the Cooperative Rural Bank has the best financialperformance compared to the Rural Bank of other legal entities. The global financialcrisis macroeconomic variables included in this study had a negative impact on theperformance of Rural Banks in Indonesia, This study uses unbalanced panel data Rural Bank for the sample period 2008-2012,this study analyzed the relationship of financial capital structure (financial leverageand capital), the scale of operations (loans granted), the legal status and the globalfinancial crisis on the performance of Rural Banks, Using random effects models, thestudy found that financial leverage negatively affect the profitability of Rural Banksin Indonesia. Capital adequacy (CAR) provides a positive and significant effect onthe performance of Rural Banks. This study also provides evidence that the loansgranted to related parties negatively affect the profitability and sustainability of theRural Bank. In addition, the Cooperative Rural Bank has the best financialperformance compared to the Rural Bank of other legal entities. The global financialcrisis macroeconomic variables included in this study had a negative impact on theperformance of Rural Banks in Indonesia]"

"Penelitian ini bertujuan untuk mengetahui pengaruh pandemi covid-19 terhadap kinerja bank umum yang diukur berdasarkan profitabilitas bank yang di proyeksikan berdasarkan tingkat pengembalian aset dan tingkat pengembalian ekuitas dengan menggunakan metode regresi data panel. Variabel yang digunakan dalam penelitian ini terdiri atas variabel independen pandemi covid-19. Penelitian ini terdiri atas variabel dependen yaitu profitabilitas bank yang digambarkan dengan perubahan pada pengembalian aset dan pengembalian ekuitas. Hasil penelitian menunjukkan pada model pengembalian aset tidak ada pengaruh signifikan antara pandemi covid-19 terhadap ROA. Sedangkan pada model pengembalian ekuitas, terdapat pengaruh yang signifikan antara variabel pandemi covid-19 terhadap ROE.

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This study aims to determine the effect of the Covid-19 pandemic on the performance of commercial banks as measured by bank profitability which is projected based on the rate of return on assets and the rate of return on equity using the panel data regression method. The variables used in this study consist of the independent variables of the Covid-19 pandemic. This study consists of the dependent variable, namely bank profitability, which is described by changes in return on assets and return on equity. The results of the study show that in the asset return model there is no significant effect of the Covid-19 pandemic on ROA. Meanwhile, in the equity return model, there is a significant influence between the Covid-19 pandemic variables on ROE."

"Penelitian in menguji pengaruh pengungkapan Environmental , Social, Governance (ESG terhadap kinerja keuangan perusahaan yang termasuk ke dalam industri Environmentally Sensitive di wilayah ASEAN. Penelitian meliputi sampel 36 perusahaan dari tahun 2013 hingga 2023 dengan menggunakan regresi data panel. Temuan menunjukkan bahwa skor penilaian pengungkapan ESG secara keseluruhan memiliki efek positif terhadap kinerja keuangan (ROA, ROE, dan Tobins Q). Implikasi penelitian ini memberi manfaat bagi perusahaan serta dalam pengembangan nilai ESG yang dapat meningkatkankan kinerja perusahaan dengan memungkinkan perusahaan untuk membangun reputasi yang solid dan menjaga kepercayaan pemangku kepentingan. Dalam konteks industri perusahaan yang sensitif terhadap lingkungan. Temuan peneliti memberikan wawasan empiris tentang hubungan antara keberhasilan perusahaan dan kinerja ESG. Temuan ini juga memberikan wawasan tentang pentingnya integreasi ESG dalam seluruh operasi bisnis.

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This study examines the impact of Environmental, Social, and Governance (ESG) disclosure on the financial performance of companies in environmentally sensitive industries within the ASEAN region. The research includes a sample of 36 companies over the period from 2012 to 2023 using panel data regression. The findings indicate that the overall ESG disclosure score has a positive effect on financial performance (ROA, ROE, and Tobin's Q). The implications of this study are beneficial for companies and governments in developing ESG values that can enhance corporate performance by enabling firms to build a solid reputation and maintain stakeholder trust. In the context of environmentally sensitive industries, the researchers' findings provide empirical insights into the relationship between corporate success and ESG performance. These findings also highlight the importance of integrating ESG into all business operations."