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"The banking crises over the last two decades around the world has renewed the interest in market disipline in banking systems. This interest is not merely academic but it also apparent in recent policy initiatives such as the latest capital proposal by the Basel Commitee on Banking Supervision . The new basel capital accord has 3 pillars. Pillars 3 is disclosure requirement to enhance market discipline. Market discipline has the potential to reinforce pillar 1 ( minimum capital standar) and 2 pillars (supervisory review process) and promote safety and soundness in banks and financial systems. The first objective of this paper is to explain bank regulatory and the important of market discipline to complement bank regulatory. The second objective to explain the framework of market discipline theory and ask some issue : what is market discipline , why the call for market discipline , how market discipline relates to agency conflict in finance theory and how is the framework of market discipline in banking. The third objective is to review some empirical research in market discipline."

"Penelitian ini bertujuan untuk menguji pengaruh implementasi kebijakan Basel II terhadap valuasi pasar industri perbankan di ASEAN-5 pada periode 2000-2015, melalui perubahan pencadangan Penyisihan Penghapusan Aktiva Produktif PPAP diskresioner dan praktik perataan laba. Penelitian ini tidak menemukan adanya pengaruh implementasi kebijakan Basel II terhadap PPAP diskresioner dan perataan laba. Ketiadaan pengaruh tersebut dapat disebabkan oleh kurangnya sampel bank yang menggunakan pendekatan IRB. Temuan dari penelitian ini adalah implementasi kebijakan Basel II yang mengurangi motif oportunis dalam PPAP diskresioner memberikan valuasi pasar yang lebih tinggi.

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This study aims to analyze the effects of Basel II implementation on market valuation of ASEAN 5 banking industry during 2000 ndash 2015, through changes in discretionary loan loss provisioning practices and income smoothing practices. This study does not find the effect of Basel II implementation on discretionary loan loss provision and income smoothing. The absence of these effects might be caused by a lack of sample using IRB approach. The findings of this study is that Basel II implementation, which reduce opportunistic motives in discretionary loan loss provision, generate higher market valuation."

"The objective of this paper is to analyze the performance of the national banking industry during the period of 2003 until March 2008...."

"Penelitian ini membahas tentang pengaruh gaya hidup achievers terhadap keputusan menggunakan kartu kredit pada nasabah pengguna kartu kredit Bank Mandiri cabang Pematangsiantar. Tujuannya adalah untuk mengetahui pengaruh antara gaya hidup achievers dengan keputusan menggunakan kartu kredit pada nasabah pengguna kartu kredit Bank Mandiri Jumhh responden yang ditentukan sebanyak 100 responden. Prosedur pengambilan sampel dilakukan dengan cara purposive sampling yaitu teknik pengambilan sampel berdasarkan pada pengguna kartu kredit yang bertempat tinggal di kota Pematangsiantar. Regresi linier berganda digunakan sebagai teknik analisis. Hasil penelitian menujukkan bahwa variabel gaya hidup achievers mempunyai pengaruh yang signifikan terhadap keputusan menggunakan kartu kredit Dari hasil analisis regresi diketahui bahwa variabel activities dan opinion memiliki pengaruh lebih kuat dibandingkan interest terhadap keputusan menggunakan kartu kredit."

"Tesis ini membahas tugas kurator dalam kepailitan khususnya terhadap rahasia bank. Kurator sebagai pihak yang ditunjuk oleh undang-undang kepailitan bertugas mengurus dan/atau membereskan harta kekayaan debitor pailit. Namun kurator menghadapi permasalahan hukum terhadap harta kekayaan debitor yang berada pada perbankan seperti rekening simpanan, deposito, safe deposit box, dan produk jasa perbankan lainnya, yang disebabkan oleh adanya ketentuan rahasia bank. Penelitian ini adalah penelitian normatif dengan pendekatan peraturan perundang-undangan. Hasil penelitian ini menyatakan kurator berdasarkan kedudukan dan kewenangannya dalam kepailitan dapat menyimpangi/membuka rahasia bank; dan perlu adanya sinkronisasi dan perbaikan peraturan perundangundangan yaitu undang-undang kepailitan dan undang-undang perbankan

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The focus o f this thesis is the duties of Receiver in a bankruptcy case, in particular issues related to bank secrecy. Under the Bankruptcy Law, Receiver is authorized to manage and/or settle the bankruptcy estate. However, the Receiver face a legal problem in accessing the debtor?s property which placed in bank, such as saving account, deposits, safe deposit box, and other banking services, due to the restriction under the provisions of bank secrecy. This research is using normative method with statute approach. These research resulting that the Receiver in his capacity and authority given by Bankruptcy Law can lift the bank secrecy; and the Law needs to synchronize between the Bankruptcy Law and the Banking Law."

"ABSTRAKThis study aims to find the concept of rate of profit on Islamic banking that can create economic justice. Rate of profit that creates economic justice can be achieved through its role in maintaining the stability of the financial system in which there is an equitable distribution of income and wealth. To determine the role of the rate of profit as the basis of the sharing system implemented in the Islamic financial system, we can see the connection of rate of profit in creating financial stability, especially in the asset-liability management of financial institutions that generate a stable net income or the rate of profit that is not affected by the ups and downs of the market risk factors including indirect effect on interest rates. Futhermore, Islamic financial stability can be seen from the role of the rate of profit on the stability of the Islamic financial assets that are measured from the Islamic financial asset price volatility."