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"Memiliki mandor dengan motivasi tinggi merupakan salah satu alternatif yang dapat dipilih untuk meningkatkan produktifitas proyek konstruksi. Secara umum, motivasi tenaga kerja dapat ditingkatkan dengan beberapa cara. Salah satunya adalah dengan memberikan insentif finansial. Penelitian ini menganalisis besarnya pengaruh pemberian insentif finansial untuk mandor terhadap produktifitas proyek konstruksi di Indonesia. Data penelitian didapat dengan mensurvey 52 responden yang telah memiliki pengalaman kerja minimal 5 tahun. Pengolahan data dilakukan dengan menggunakan metode statistik.Temuan yang didapat adalah walaupun ada hubungan antara insentif finansial dengan produktifitas proyek konstruksi, insentif finansial tidak memberikan pengaruh yang signifikan terhadap kenaikan ataupun penurunan produktifitas proyek konstruksi. Namun, adanya hubungan antara insentif finansial dan produktifitas proyek konstruksi menandakan terdapat peluang untuk meningkatkan produktifitas proyek konstruksi dengan cara memberikan insentif finansial pada mandor.

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Having a high-motivated foreman is one of the alternatives that can be selected to increase construction project productivity. In general, worker?s motivation can be upgraded by using some ways. One of them is by giving financial incentive to worker. This study analyzes level of influence of financial incentive given to foreman towards construction project productivity in Indonesia. Research data is gained by surveying 52 respondents who own minimal 5 years work experience. Data processing is committed by means of statistic method.The result is although financial incentive correlate to construction project productivity, financial incentive does not significantly influence to the increase or decrease construction project productivity. Yet, the correlation existence between financial incentive and construction project productivity shows that there?s opportunity to increase construction project productivity by giving foreman a financial incentive."

"Skripsi ini mencoba menganalisis implikasi penerapan Undang-Undang Perasuransian 1992 terhadap kebijakan keuangan internal perusahaan asuransi kerugian. Untuk menjaga efektifitas analisa ini, maka perlu memanfaatkan alat analisa kinerja keuangan yang sesuai dengan karakteristik perusahaan asuransi kerugian. Alat analisa tersebut adalah Analisa Rasio Early Warning System. Dengan alat analisa ini diharapkan kita dapat mengidentifikasikan informasi penting secara dini, kelemahan-kelamahan yang mungkin tengah dihadapi dalam kinerja keuangan perusahaan asuransi kerugian. Temuan-temuan dari hasil analisis ini, merupakan informasi yang sangat berguna bagi perusahaan. Lebih-lebih bagi manajemen yang berorientasi aktif dan proaktif. Sehingga ketika diketahui terjadi penurunan tingkat kesehatan, yang ditunjukkan oleh kurang solvennya aktiva (berdasarkan penilaian UU Perasuransian yang baru), menurunnya rasio perkembangan premi dan rasio cadangan klaim, maka manajemen perlu mengambil tindakan untuk mencegah dan mengatasinya. Untuk mengantisipasi menurunnya hasil investasi dan menjaga tingkat solvabilitas maka manajemen perlu mengkaji ulang kebijakan portofolio investasinya. Pengambilan keputusan mengenai kebijakan portfolio investasi dalam skripsi ini mencoba memperkenalkan penerapan Analytic Hierarchy Process (AHP) Model. Dengan model ini, manajemen dapat mengakomodir portofolio investasi yang multikriteria (Liquiditas, safety, dan profitabilitas) dan multialternatif (deposito, saham, penyertaan langsung, obligasi dan lain-lain). Model ini sangat membantu dalam menyelesaikan prioritas (proporsi) alokasi investasi yang sesuai dengan preferensi manajemen."

"Following sharp declines in oil revenues in late 1982 and again in 1986, the government of Indonesia recognized the need for major reforms. First, non-oil exports had to be increased to maintain the flow of imports essential for continued development. Second, with the decline in oil revenues, fewer resources were available to the public sector, and therefore it became necessary to stimulate private savings. An integral part of the policy reform was to remove the interest rate ceiling and credit ceiling in June 1983. The general objective was to mobilize the saving and increase the investment. The move from administrative control to market system is also expected to increase the allocative efficiency of credit which eventually increases the economic growth. Yet, Indonesia's experience in liberalizing its financial sector did not result as expected and there was a disruption in the financial sector though this disruption did not lead to the macroeconomic instability or financial crisis as was experienced by the Southern Cone countries. There are at least three causes, according to the literatures, that makes the Indonesian experience in financial liberalization does not completely as expected. First, reform in financial sector is unaccompanied by similar reforms in trade, and industry. Second, the design and sequencing of reform measures have been wrongly formulated. Third, the regulatory apparatus have not functioned in a manner conducive to the smooth progression of reform policy implementation. The main objective of this thesis is to justify the Fry's model of financial development, reviews the financial policy taken by the authorities and spells out what can be learned from empirical evidence in regard to financial liberalization policies and the instruments of their implication in Indonesia. The model developed by Fry shows that the efficiency of Indonesian economy as indicated by IOCR was deterred by a financial reforms. The exceptionally high real interest rates following the fmancial liberalization has caused the bank loans went to nonviable and unproductive projects and, as a result, bad debts became dominant and unsustainable. Review from the economic reforms in Indonesia revealed that the wrong sequence of reform had contributed to the high real interest rates. while the financial infrastructure of financial sector that should come after the financial liberalization was absent. The important lesson that can be drawn from financial liberalization in Indonesia is that although financial liberalization is desirable, its modality, design and sequencing are no less important. In shallow financial markets, full liberalization does not appear to be the first best policy. Until capital market develops and functions effectively and substantial progress is made in regard to structural adjustments in trade, industry and the legal system underlying the financial system as a whole, a second best policy may be to have a diminishing degree of government intervention in financial markets spread over a period of time, derNing guidance from the market-related indicators. The government intervention can be market destroying or market promoting. The former type of government intervention resulted in financial repression in the past in many of the developing countries, the latter may assist them to reach in course of time a fully liberalized, efficient and progressive financial system."

"Since the financial crisis of 2008-09, central bankers around the world have been forced to abandon conventional monetary policy tools in favour of unconventional policies such as quantitative easing, forward guidance, lowering the interest rate paid on bank reserves into negative territory, and pushing up prices of government bonds. Having faced a crisis in its banking sector nearly a decade earlier, Japan was a pioneer in the use of many of these tools.Unconventional Monetary Policy and Financial Stability critically assesses the measures used by Japan and examines what they have meant for the theory and practice of economic policy. The book shows how in practice unconventional monetary policy has worked through its impact on the financial markets. The text aims to generate an understanding of why such measures were introduced and how the Japanese system has subsequently changed regarding aspects such as governance and corporate balance sheets. It provides a comprehensive study of developments in Japanese money markets with the intent to understand the impact of policy on the debt structures that appear to have caused Japan’s deflation. The topics covered range from central bank communication and policymaking to international financial markets and bank balance sheets.This text is of great interest to students and scholars of banking, international finance, financial markets, political economy, and the Japanese economy."

"Upaya pembentukan integrasi moneter di kawasan Asia Timur dan Tenggara terlahir dari sebuah kerjasama moneter dan integrasi finansial yang sedang berjalan. Akan tetapi, hal tersebut mendapat perdebatan. Ada pandangan yang setuju terhadap pembentukan integrasi tersebut dengan alasan untuk menciptakan stabilitas moneter dan finansial. Hal itu didukung dengan progresifnya kerjasama moneter yang terus berkembang dan pengurangan disparitas ekonomi melalui kerjasama finansial dan perdagangan. Tetapi, alasan tersebut mendapat tantangan bahwa kawasan Asia Timur dan Tenggara masih terlalu jauh untuk menciptakan integrasi moneter. Hal tersebut berkaca dari karateristik integrasi moneter seperti reserves pooling dan koordinasi moneter belum dimiliki oleh negara-negara di kawasan Asia Timur dan Tenggara.

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The efforts to establish a regional monetary integration in East and Southeast Asia was born from a monetary cooperation and financial integration. However, it got the debate. There are optimism views to the establishment of the integration. The reasons are to create monetary and financial stability. These view is supported by progressivity of monetary cooperation that always continue to grow and the reduction of economic disparity through financial cooperation and trade. However, that views being challenged that East and Southeast Asia is still too far away to create monetary integration. It is because the characteristics of monetary integration such reserves pooling and monetary coordination not owned by the countries in East and Southeast Asia.

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"The latest research about factors that effected to the implementation of unified budget is to unite the recurrent budget and development budget to become the unified budget, but to estimating whether the unified budget has a less or advantages is not the purpose of this research. The main of this research is to knowing is it the implementation policy of unified budget already use in effectively, through the implementation policy measure using coordination and communication, bureaucracy, manpower, supporting attitude and the conflict preferences as the variable. Thus at the end the research also find and conclude what is the obstacle that appears as the unified budget implementation obstruct.The direct parties as the policy performer was took as the research object. The function is to knowing how far the obstacles could appear, even in the restricted area like the MPR Rl planner (Finances) party and the DJA and PK discuss party. The goals of both parties appearances as mentioned before as the opposite party of each other is to accomplish the objective conclusion.Related to the find of research objectivity, the research disposed quantitative description as the prior instruments to get similar to the real research object. The research also disposed the SPSS 12 contribution as the formulation and to maintain the exactness of data preparation result then the research use crossing test with same relativity of output measure, that theoretically applicable.The implementation of the policy had a several signihcant obstruct which could explain, and that is the needed to advance the capacity and quality of harmonizing perception about uniied budget policy. The training related to the implementation of the policy is less. The improvement of the presence guidance or realization instruction has a prior urgency, the negative attitude and also less of implementation policy supporting facilities."

"Skripsi ini adalah mengenai kajian aspek dan peranan 'syndicated loan' yang dikelola oleh suatu LKBB berperan sebagai 'lead manager'. Fokusnya adalah bagaimana lembaga keuangan (bankakbb) dapat menyalurkan dana kredit dalam jumlah cukup besar tanpa melanggar ketentuan 'prudential banking' dan menghasilkan pendapatan baik dari sisi pendapatan jasa (fee based income) sebagai sumber yang perlu diperhitungkan sebagai penopang alternatif dalam kesulitan likuiditas bagi bank saat ini, disamping tentunya dari sisi pendapatan bunga (interest based income) yang merupakan porsi utama pendapatan untuk sektor perbankan. Sehingga dapat memberikan keseimbangan portofolio yang optimal melalui penerapan 'Asset-Liability Management' yang tepat. Dalam skripsi ini juga dapat dilihat aspek-aspek dalam mengelola kredit sindikasi yang baik diperlukan paling tidak tiga hal pokok yaitu adanya pemahaman konsep prosedural pengelolaan, koordinasi dan komunikasi antar anggota dan yang terpenting dalam pengambilan keputusan untuk terjun dalam pasar sindikasi. Penelitian dilakukan pada suatu lkbb untuk melihat dampak setelah Paket kebijaksanaan 27 Oktober 1988 bagi dunia perbankan untuk mengantisipasi perubahan lingkungan terhadap peluang penyaluran.kredit pada sektor potensial. Adapun penelitian didasrkan terhad4p berbagai laporan keuangan lkbb yang bersangkutan pada saat kreditsindikasi disalurkan dengan melihat rasio keuangan dan prosentase pendapatan terhadap kinerja perusahaan secara keseluruhan. Dari usahanya ini lkbb tersebut dapat memenuhi ketentuan pada batas waktu yang ditetapkan Bank Indonesia, disamping tentunya tetap memperoleh hasil/pendapatan yang dibutuhkan untuk mengembangkan assetnya."

"ABSTRAKPerdebatan tentang bail out untuk menyelamatkan bank kembali muncul sejak krisis keuangan global 2007-2008. Amerika mengeluarkan dana talangan lebih dari 475 miliar dolar, terbesar dalam sejarah. Beberapa pihak menganggap talangan itu berhasil dan beberapa dianggap gagal dan tidak konstitusional karena mereka menyediakan dana perpajakan ke sektor swasta. Di Indonesia hal serupa muncul setelah keluarnya bail out untuk bank Century sampai akhirnya protokol krisis Indonesia tidak lagi menggunakan jaminan sehingga pembaharuan rezim harus diperiksa kembali apakah layak atau tidak. Peneliti menggunakan pengujian sensitivitas dinamis dan metode CoVaR untuk melihat dampak sistemik dan persyaratan modal jika terjadi skenario buruk dalam perekonomian. Peneliti hanya menghitung aset LPS sebagai penjamin karena mayoritas pemegang saham modal dan kontribusi industri perbankan yang menjadi sumber daya dalam mekanisme bail in sulit diukur dengan andal. Dengan demikian peneliti menemukan bahwa dengan skenario optimis, LPS sendiri masih dapat menangani skenario base case dan skenario adverse. Namun tidak lagi bisa menangani saat skenario bergeser menjadi severely adverse atau skenario dengan kondisi krisis 1998.

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ABSTRAKIndonesia has been implementing the no bail out mechanism as part of its protocol to rescue bank problem mainly for systemically important bank. It is utterly important to perform a simulation test to check the feasibility of this newly implemented policy. This research uses dynamic stress testing and CoVaR methods to see the systemic impact and capital requirements in the event of an economic downturn and normal condition. The guarantee proxy is limited to Indonesian Deposit Insurance Corporation LPS asset only due to lack of majority shareholder capital and bank contribution in bail in mechanism data availability . The result shows that with under the optimistic scenario, LPS asset is sufficient to cover the cost of bank rescue. However, under the pessimistic scenario, the cost is beyond LPS capability. Hence no bail out mechanism can only be working properly under normal condition but not in severely adverse condition. "