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"Penelitian ini bertujuan untuk menganalisa hubungan antara BI Rate sebagai variabel kebijakan dengan suku bunga di pasar keuangan yang meliputi suku bunga deposito, suku bunga kredit, IHSG, dan suku bunga obligasi pemerintah. Sebagai salah satu bentuk pengujian terhadap transmisi kebija kan moneter yang berjalan melalui jalur suku bunga.Penelitian dilakukan dengan menggunakan uji kausalitas Granger dan metode Vector Auto Regression (VAR).Hasil penelitian menunjukkan bahwa pengaruh BI Rate kepada suku bunga perbankan berjalan tidak langs ung yaitu melalui perantara suku bunga SBI. Sementara, BI Rate tidak mempunyai hubungan dengan fluktuasi IHSG, tetapi BI Rate mempunyai pengaruh kuat terhadap suku bunga obligasi pemerintah.

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This research analysis is to find out the relationships between BI Rate, as a monetary policy variable, with financial market interest rate, that is banking interest rate, bond interest rate, dan capital market index (IHSG). This research is to aim as a test for the monetary policy transmissions mechanism through nterest rate channel. For the research we using Granger causality and Vector Auto Regression (VAR) method.As the results, we found that BI Rate have a indirect power to influence banking interest rate with SBI as the intermedia ry. Meanwhile, BI Rate have no power to influence capital market index, but have a power to influence the bond interest rate."

"Skripsi ini membahas mengenai pembentukan value pada transaksi SMS Banking. Mandiri dimana pembentukan value disini menggunakan subk onstruk-subkonstruk dari masing-masing sisi benefit dan costs yang ada dalam transaksi berbasis mobile commerce tersebut. Selanjutnya tingkat value akan dihubungkan pada tingkat intention to use dari konsumen. Selain itu skripsi ini juga membahas peran moderasi yang dihasilkan oleh konstruk time consciousness yang dimiliki oleh kon sumen terhadap tingkat value yang dirasakan dari produk SMS Banking Mandiri.Penelitian ini menggunakan metode kualitatif; yaitu wawa ncara mendalam kepada pihak PT. Bank Mandiri, Tbk.; serta metode kuantitatif; yaitu survey terhadap 50 responden pengguna layanan SMS Banking Mandiri. Analisa yang digunakan adalah analisa frekuensi, analisa faktor, transformasi data, dan regresi baik bivariat maupun multivariate.Dalam skripsi ini membuktikan adanya pengaruh positif dari benefit terhadap value, pengaruh negative dari costs terhadap value dan pengaruh positif dari value terhadap intention to use. Selain itu skripsi ini memperlihatkan adanya pengaruh moderasi yang dihasil kan oleh time consciousness terhadap hubungan benefit dan value.Saran dari penelitian ini adalah PT. Bank Mandiri, Tbk harus senantiasa meningkatkan value dari produk SMS Banking Mandiri, baik dengan meningkatkan benefit maupun menurunkan tingkat costs dari produk, sehingga dapat menumbuhkan keinginan dari konsumen untuk meng gunakan layanan tersebut. Khususnya pada segi benefit, harus lebih ditingkatkan karena dapat berefek lebih kuat apabila menyasar pada konsumen yang memiliki tingkat time consciousness yang tinggi."

"majalah ini merupakan media penghubung antara para pembaca dan para profesional dibidang perbankan dan manajemen ataupun pencetus ide (gagasan). maksud dan tujuan majalah ini ialah menyampaikan ide atau gagasan baru, memberikan penyuluhan, informasi dan pengetahuan kepada pembaca yang berkaitan dengan perbankan dan manajemen"

"At the time of economic crisis in 1997 banking sector was one of industries experiencing the most impact of ecoome turbulence. Many banks suffer from liquidity disaster and decline in their performance even some of them liquidated by government because of customer's crisis of trust. To prevent the return of crisis condition in the banking sector the Central Bank or bank of Indonesia released a policy called as Indonesia Banking Architecture in 2004. The BI's policy arranges banks into group or strata according to their owned-capital. Since the policy published in 9 January 2004 it has received few critics and completeness. Refer to the implementation of Indonesia Banking Architecture then in 2006 BI released regulation No. 8/16/PBI/2006 known as single presence policy (SPP). The SPP or single ownership policy arrange that banks owned by same corporation or individual should be merged or consolidated. The corporation or bank owner must be dominant shareholder of those banks or majoriry shareholder. Unfortunately the SPP policy is less aware of and possibly is inconsistent with other regulations ultimately arrangement ralating to business competition law as Act No.5/1999"

"At the end of twentieth century there were acquisition dominated business transaction within national scale and also international scale. In the international term there is known acquisition across border. corporate acquisition is one amongst many business strategies for developing corporation within home country and abroad without necessitated to set up a new legal business entity. Acquisition becomes a faster and easier selection in getting financial return. A rampant acquisition of corporation at this moment need to be supervised closely and carefully by many parties since the trend of dominant acquisition many break Antimonopoly Law and Banking law as happening with Maybank acquisition of BII. There is indication that the acquisition of BII's shares have broken Bank Indonesia regulation concerning single presence policy on Indonesia Banking. Nevertheless until now, the growing activities of shares acquisition across border have not comprehensively been regulated yet into regulation of Limited Corporation Law, Antimonopoly Law and Indonesia Banking Law."

"The global crisis has caused business world or corporations in Indonesia with difficulties in continuing their business activities which certainly influencing their inability to pay their bank loans. Restructuring as one method of bank loan recovery in case that the difficulty caused by equity factor. The restructuring method starts reviewing the company's equity condition, either equity in forms of short term loan or lease financing accompanied by rescheduling and reconditioning. With restructuring, Banks and borrowers are bound by clauses in special consensus written known as restructuring agreement."

"Pembangunan ekonomi sebuah Negara pada dasarnya bertujuan untuk mencapai kemakmuran masyarakat melalui pertumbuhan ekonomi yang tinggi dan distribusi pendapatan yang merata. Salah satu lembaga keuangan yang memegang peran sentral dalam mendukung pertumbuhan ekonomi adalah lembaga yang disebut bank. Bank memiliki fungsi intermediasi. Fungsi ini adalah upaya maksimal Bank untuk menyalurkan dana yang dikumpulkannya dari masyarakat guna menggerakkan sektor ekonomi riil.Lembaga Bank dalam menjalankan fungsi intermediasi, tidak akan lepas dari apa yang disebut sistem perbankan. Sistem perbankan merupakan suatu sistem yang menyangkut tentang bank, mencakup kelembagaan, kegiatan usaha, serta cara dan proses melaksanakan kegiatan usahanya secara keseluruhan. Dalam menjalankan usahanya lembaga bank dapat menjadi bank gagal (failure bank). Kegagalan ini disebabkan disebabkan tata kelola usaha perbankan yang buruk, lemahnya aspek pengawasan serta adanya manipulasi (fraud) data baik keuangan maupun non keuangan. Kelahiran bank gagal ini dapat memberi dampak sistemik atau tidak berdampak sistemik pada sistem keuangan dan sistem ekonomi suatu Negara.Untuk menangani Bank gagal dalam sistem perbankan, dibutuhkan suatu sistem hukum yang kuat. Menurut Lawrence M. Friedman terdapat tiga pilar yang sangat penting dalam sistem hukum yang harus bersinergi, yaitu struktur hukum (structure), substansi hukum (substance) dan kultur/budaya hukum (culture). Selain memperhatikan apakah sistem hukum dalam menyelesaian masalah suatu bank gagal dalam sistem perbankan, sepatutnya kita pun harus memperhatikan aspek-aspek yang berhubungan dengan ekonomi makro dan ekonomi mikro. Aspek tersebut adalah aspek institusi keuangan, aspek pasar keuangan, aspek sistem pembayaran, aspek sektor riil dan aspek psikologi pasar.

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The main purpose of economic development in any country is surely to achieve and maintain societal prosperity through considerable economic growth and equitable income distribution. One particular financial institution holding a central role in supporting such economic growth is the institution referred as Bank. Banks hold the function of intermediation, to which refers to it's maximum effort and capacity to channel funds collected from a larger society to advance real economic sectors.In conducting this intermediation function, Banks are integrated from what is called the banking system. Banking system is a system that concerns everything relating to banks, including institutional aspects, business activities, as well as the manner and process of conducting its business activities as a whole. In conducting its business banking institution may face the threat of bank failure. This failure is caused due to the lack of good governance of the banking sector, poor supervision and manipulation (fraud) of data both financial and non financial. Bank failures can result systemic or non systemic impact upon the financial system and economic system of a country.To handle bank failures in the banking system, a strong and comprehensive legal system is imperative. According to Lawrence M. Friedman, there are three very important pillars in the legal system that must be synergistic, ie the legal structure, the substance of the law and legal culture. In addition to having a great consideration about the legal system in solving the problems of bank failures in the banking system, we should also pay close attention to the interrelated macroeconomic and microeconomic aspects that includes aspects of financial institution, financial markets, payment system, real sector and market psychology."