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Abstrak :
Untuk meraih pangsa pasar dalam melakukan fungsi intermediasi, bank perlu mengelola efisiensi operasional. Dengan secara alami memiliki keunggulan kompetitif dalam efisiensi, bank asing di Indonesia beroperasi dengan karakteristiknya sendiri pendanaan, modal dan segmentasi. Makalah ini menginvestigasi pengaruh efisiensi operasional bank asing terhadap pangsa pasar pinjaman yang diberikan dan simpanan. Efisiensi operasional meliputi dua faktor, yaitu: faktor internal dan faktor eksternal. Faktor internal terdiri dari biaya dana COF , rasio BOPO dan CAR, sementara faktor eksternal terdiri dari pertumbuhan ekonomi GDP growth dan BI Rate. Pangsa pasar pinjaman dan simpanan dipisahkan dalam dua model. System Generalized Method of Moments GMM digunakan pada data panel dinamis dimana nilai terdahulu dari variabel terikat pangsa pasar digunakan, dan perbandingan terhadap OLS dan FEM dilakukan untuk mengkonfirmasi estimasi yang konsisten. Ditemukan bahwa jumlah besar dari dana pihak kedua digunakan oleh bank asing dalam struktur pendanaannya selain dari sumber utama dana pihak ketiga sehingga dana pihak kedua perlu dimasukan dalam perhitungan COF. Hasil penelitian mengkonfirmasi bahwa tingkat pangsa pasar terdahulu secara signifikan mempengaruhi pangsa pasar bank asing saat ini. Faktor internal secara signifikan mempengaruhi pangsa pasar pinjaman namun tidak untuk pangsa pasar simpanan. Faktor eksternal tidak signifikan sebagai penentu pangsa pasar. ......To obtain market share in doing intermediary function, banks need to manage its operational efficiency. With natural competitive advantage on efficiency, foreign banks in Indonesia operate with its own characteristics funding, capital and segmentation. This Paper investigates the influence of foreign banks rsquo operational efficiency toward its market share of loans and deposits. The operational efficiency comprises of two factors, such as internal factor and external factor. Internal factors are COF, BOPO ratio and CAR, while external factors are GDP growth and BI Rate. Loans and deposits market share are separated into two models. System Generalized Method of Moment GMM is used to the dynamic panel data due to lagged value of dependent variable market share is used and comparison to OLS and FEM is done to confirm the consistent estimation. It is found that large number of second party fund is utilized in foreign banks rsquo fund structure other than the main third party bank so that the COF calculation must include the second party fund. The research result confirms that the preceding market share level significantly affect the current market share of foreign banks. Internal factors significantly affect loans market share but not for deposits market share while external factors are not significant as determinant of market share.

Abstrak :
[ABSTRAK
Pasokan peralatan dalam proyek minyak dan gas membutuhkan standar dan spesifikasi yang tinggi dikarenakan adanya persyaratan keamanan dan kehandalan yang juga tinggi. Keterlambatan pengiriman peralatan adalah sangat sensitif karena sebagai dampaknya akan langsung ke seluruh proyek, sedangkan keterlambatan penyelesaian proyek akan berdampak pada produksi awal KKKS (Kemitraan Status Kontraktor). Hal ini akan mengganggu target produksi minyak dan gas dari Pemerintah Indonesia. Data operasional yang menunjukkan banyak penundaan menjelaskan ketidakefektifan manajemen rantai pasokan di PT AMN. Kondisi ini meningkatkan keluhan dan denda dari pelanggan dan penurunan efisiensi operasional PT AMN. Untuk mengatasi masalah ini dan meningkatkan kepuasan pelanggan, maka diperlukan evaluasi rantai pasokan yang ada dan pengembangan kemampuan rantai pasokan baru. Dalam hal menentukan kemampuan rantai pasokan baru dari PT AMN, diperlukan yaitu: analisia data PT AMN, kebutuhan pelanggan, penilaian internal, rantai pasokan yang ada, daftar periksa kemampuan rantai pasokan, analisis SWOT, lima pilar, lanskap teknologi rantai pasokan, game changer dan analisis manajemen risiko. Dalam hal penentuan kemampuan rantai pasokan, PT AMN dikategorikan dalam Adaptive Initiative atau disebut Inisiatif Continuous Improvement.

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ABSTRACT
The supply of equipments in oil and gas project requires high standard and specification due to the high requirements of safety and reliability. Delay of equipments delivery is very sensitive as the impact will be direct to the whole project, while the delay of project completion will disrupt PSC‟s (Partnership Status Contractor‟s) initial production. Ultimately, this would disrupt oil and gas production target of Government of Indonesia. Operational data shows that a lot of delay is caused by the ineffectiveness of supply chain management at PT AMN. These conditions increase complaints and penalties from customers while at the same time decrease operational efficiency of PT AMN. To overcome this problem and enhance customer satisfaction requires the evaluation of existing supply chain and development of new supply chain capabilities. In terms of determining new supply chain capabilities of PT AMN, it requires the data analysis of PT AMN in terms of, customers need, internal assessment, existing supply chain, check-list supply chain capabilities, SWOT analysis, five pillars, and landscape of supply chain technology, game changer and risk management analysis. In terms of determining supply chain capabilities, PT AMN is categorized in Adaptive Initiative or called Continuous Improvement Initiatives;The supply of equipments in oil and gas project requires high standard and specification due to the high requirements of safety and reliability. Delay of equipments delivery is very sensitive as the impact will be direct to the whole project, while the delay of project completion will disrupt PSC‟s (Partnership Status Contractor‟s) initial production. Ultimately, this would disrupt oil and gas production target of Government of Indonesia. Operational data shows that a lot of delay is caused by the ineffectiveness of supply chain management at PT AMN. These conditions increase complaints and penalties from customers while at the same time decrease operational efficiency of PT AMN. To overcome this problem and enhance customer satisfaction requires the evaluation of existing supply chain and development of new supply chain capabilities. In terms of determining new supply chain capabilities of PT AMN, it requires the data analysis of PT AMN in terms of, customers need, internal assessment, existing supply chain, check-list supply chain capabilities, SWOT analysis, five pillars, and landscape of supply chain technology, game changer and risk management analysis. In terms of determining supply chain capabilities, PT AMN is categorized in Adaptive Initiative or called Continuous Improvement Initiatives, The supply of equipments in oil and gas project requires high standard and specification due to the high requirements of safety and reliability. Delay of equipments delivery is very sensitive as the impact will be direct to the whole project, while the delay of project completion will disrupt PSC‟s (Partnership Status Contractor‟s) initial production. Ultimately, this would disrupt oil and gas production target of Government of Indonesia. Operational data shows that a lot of delay is caused by the ineffectiveness of supply chain management at PT AMN. These conditions increase complaints and penalties from customers while at the same time decrease operational efficiency of PT AMN. To overcome this problem and enhance customer satisfaction requires the evaluation of existing supply chain and development of new supply chain capabilities. In terms of determining new supply chain capabilities of PT AMN, it requires the data analysis of PT AMN in terms of, customers need, internal assessment, existing supply chain, check-list supply chain capabilities, SWOT analysis, five pillars, and landscape of supply chain technology, game changer and risk management analysis. In terms of determining supply chain capabilities, PT AMN is categorized in Adaptive Initiative or called Continuous Improvement Initiatives]

Abstrak :
Aleena memiliki brand awareness yang rendah dan sering mengalami arus kas negatif. Pemetaan kondisi UKM memperlihatkan banyaknya gap yang terjadi antara kondisi aktual dengan situasi ideal yang seharusnya.Oleh sebab itu, tujuan dari business coaching adalah pengembangan produk/jasa, peningkatan komunikasi pemasaran, peningkatan efisiensi operasional dan peningkatan kualitas sumber daya manusia dengan pendekatan pemasaran jasa. Strategi yang digunakan Aleena adalah strategi focus dengan menyasar segmen pasar wanita khususnya wanita Muslim berhijab dan keluarga. Hal pertama yang dilakukan adalah mengembangkan produk baru lalu meningkatkan komunikasi pemasaran dan didukung oleh peningkatan efisiensi operasional dan kualitas sumber daya manusia untuk mencapai service excellence dan meraih keunggulan kompetitif. ......Aleena has low brand awareness and often experience negative cash flow. Condition mapping shows several gap between the actual conditions with ideal situation that SMEs face. Therefore, the objective od business coaching is product/services development, improved marketing communication, increase operational efficiency and improve the quality of human resources in service marketing approach. Aleena strategy used is the focus strategy by targeting market segments of Muslim women and their family. The first thing to do is to develop new products and improve marketing communications, supported by more operational efficiency and higher quality of human resources to achieve service excellence and gain competitive advantage

Abstrak :
Penelitian ini merupakan usulan solusi terhadap permasalahan efisiensi operasional perbankan di Indonesia yang masih rendah. Penelitian ini melakukan analisis terstruktur terhadap permasalahan praktik sustainability governace (SGOV) terutama terkait dengan definisi sustainability, sustainability risk management, serta informasi corporate sustainability performance. Penelitian ini menggunakan terminologi Sustainability Awareness – SA didefinisikan sebagai sistem manajemen yang mengadopsi konsep sustainability, terdapat keterkaitan operasional dengan strategi bisnis perbankan, sistem keuangan dan pasar modal. Penelitian ini mengembangkan SGOV model dan SA Level Index sebagai proksi praktik SGOV. Penelitian ini selanjutnya menguji pengaruh Overall SA Index terhadap kinerja melalui efisiensi operasional dan peran moderasi tingkat daya saing. Kinerja bank meliputi kinerja finansial (return on asset-ROA), nilai perusahaan (price to book value-PBV), dan kemampuan bertahan bank (survivals/ZSCORE). Populasi penelitian adalah perbankan terdaftar di Bursa Efek Indonesia selama tahun 2010 – 2019 dengan jumlah observasi 404. Penelitian menggunakan estimasi data panel untuk menguji pengaruh langsung, dan two stage least square untuk pengaruh tidak langsung. Beberapa kontribusi penelitian adalah (i) Penelitian pertama yang mengembangkan SGOV model sebagai konsep inovasi sistem manajemen. SGOV model dikembangkan berdasarkan SPMS-BSC dan “Triple I framework” - Sustainability Intention, Integration, Implementation, (ii) SA Level Index dikembangkan dengan skoring 4 level untuk mengukur level difusi sustainability innovation menggunakan step-by-step innovation model berdasarkan “framework to sustainable finance”, (iii) Penelitian pertama yang menganalisis sustainability dari perspektif governance dan kapabilitas untuk mengetahui seberapa jauh Overall SA memengaruhi kapabilitas bank bertransisi (compliance to efficient), serta bertransformasi (efficient to innovation), (iv) Tingkat daya saing di proksi dengan kapabilitas internal (Lerner Index). Efisiensi operasional di proksi dengan technology change, didapatkan dari nilai residual I/O model intermediation approach - stochastic frontier analysis. Nilai residual tersebut menggambarkan technology gap yaitu jarak antara kondisi teknologi bank saat ini (meta frontier) dengan the best technology set yang tersedia (global frontier). Jarak tersebut diprediksi akan semakin kecil jika bank mengadopsi sustainability innovation. Hasil penelitian menunjukan Overall SA Index meningkat selama periode observasi, terutama setelah memasuki Indonesia Sustainable Finance Journey Tahap I (2015-2019). Perbankan Indonesia berada pada Moderate Level Innovation atau pada transisi dari menyaring nilai-nilai menuju ke prioritas keseimbangan nilai-nilai (SF1.0-SF2.0_TotalValue=F+S+E). Bank berada pada Lower Level Innovation untuk komponen Sustainability Motivation dan Accountability & Communication; dan pada Moderate Level Innovation untuk komponen Stakeholders Engagement, Unit Organization Aligment, Sustainability Business Case, dan Stakeholder & Risk Management Process. Hasil penelitian menunjukan Overall SA berpengaruh positif terhadap efisiensi operasional. Tingkat daya saing berpengaruh negatif terhadap efisiensi operasional, namun interaksinya dengan Overall SA mampu memperlemah pengaruh negatif tersebut. Hasil pengujian moderasi mengindikasikan dalam lingkungan yang dinamis, firm dan market merupakan alternatif governance. Overall SA mampu menjadi management control system – levers of control (MCS-LOC) yang dapat mengarahkan bank kepada perilaku disiplin. Efisiensi operasional berpengaruh positif terhadap kinerja finansial, tetapi tidak berpengaruh terhadap nilai perusahaan dan survivals. Tingkat daya saing tidak berpengaruh terhadap kinerja finansial, nilai perusahaan dan kemampuan bertahan. Overall SA berpengaruh negatif secara langsung terhadap kinerja finansial dan nilai perusahaan, namun tidak memengaruhi kemampuan bertahan bank. Hasil pengujian pengaruh tidak langsung menunjukan efisiensi operasional berperan memediasi positif dalam pengaruh Overall SA terhadap kinerja finansial dan survivals, namun belum berperan memediasi terhadap nilai perusahaan pada t0. Dengan demikian dapat dikatakan praktik SGOV dengan mematuhi regulasi global dan nasional serta mengikuti standar best-practice terkait sustainability, sustainability risk management, dan informasi corporate sustainability performance, dapat mengarahkan strategi bisnis dan membuat sistem manajemen bank lebih adaptif dengan kondisi lingkungan. Praktik SGOV memungkinkan bank bertansisi (compliance to efficient) dan bertransformasi (efficient to innovation), sehingga berdampak positif terhadap kinerja finansial dan survivalness bank. Hasil uji sensitivitas menunjukan Overall SA berpengaruh positif terhadap efisiensi operasional, kinerja finansial, dan survivalness pada t+1 dan t+2, namun belum memengaruhi nilai perusahaan pada t+1 dan t+2. Overall SA berpeluang menurunkan probabilita inefisiensi operasional dan instabilitas keuangan bank. Hasil ini mengkonfirmasi diperlukan waktu untuk membangun market awareness untuk menggunakan informasi kinerja praktik SGOV dalam keputusan investasi. Hasil juga mengkonfirmasi bahwa dengan level inovasi yang ada, perbankan Indonesia menuju kesesuaian optimal dimasa datang (the future fit foundation). ......This research is a proposed solution to the problem of banking operational efficiency in Indonesia which is still low. This study conducted a structured analysis of the problems of sustainability governance (SGOV) practices, especially those related to the definition of sustainability, sustainability risk management, and information on corporate sustainability performance. This study uses the terminology of Sustainability Awareness – SA a management system that adopts the concept of sustainability, there is operational linkage with the banking business strategy, the financial system and the capital market. This research develops the SGOV model and the SA Level Index as a proxy for SGOV practice. This study then examines the effect of the Overall SA Index on performance through operational efficiency and the moderating role of competitiveness. Bank performance includes financial performance (return on assets-ROA), company value (price to book value-PBV), and bank survival skills (survivals/ZSCORE). The research population is banks listed on the Indonesia Stock Exchange during 2010 - 2019 with a total of 404 observations. This study uses panel data estimation to test the direct effect, and two stage least squares for the indirect effect. Some of the research contributions are (i) The first research to develop the SGOV model as a concept of management system innovation. The SGOV model was developed based on the SPMS-BSC and the "Triple I framework" - Sustainability Intention, Integration, Implementation, (ii) The SA Level Index was developed with a four-interval scale to measure the level of banks' sustainability innovation (step-by-step innovation model framework to sustainable finance), (iii) The first study to analyze sustainability from a governance and capability perspective to find out how far Overall SA affects a bank's transition capability (compliance to efficient), and transformation (efficient to innovation), (iv) The level of competitiveness is proxied by internal capabilities (Lerner Index). Operational efficiency is proxied by technology change, obtained from the residual value of I/O model intermediation approach - stochastic frontier analysis. The residual value describes the technology gap, namely the distance between the current condition of the bank's technology (meta frontier) and the best available technology set (global frontier). This distance is predicted to be smaller if banks adopt sustainability innovation. The results showed that the Overall SA Index increased during the observation period, especially after entering Indonesia Sustainable Finance Journey Phase I (2015-2019). Indonesian banking is at the Moderate Level of Innovation or in the transition from filtering values to prioritizing balanced values (SF1.0-SF2.0_TotalValue=F+S+E). The Bank is at Lower Level Innovation for the Sustainability Motivation and Accountability & Communication components; and at Moderate Level Innovation for the Stakeholders Engagement component, Unit Organization Alignment, Sustainability Business Case, and Stakeholder & Risk Management Process. The results showed that overall SA has a positive effect on operational efficiency. The level of competitiveness has a negative effect on operational efficiency, but its interaction with Overall SA is able to weaken this negative effect. The results of the moderation test indicate that in a dynamic environment, firms and markets are governance alternatives. Overall SA is able to become a management control system which can direct banks towards disciplinary behavior. Operational efficiency has a positive effect on financial performance, but does not affect company value and survivals. The level of competitiveness has no effect on financial performance, firm value and survivals. Overall SA has a direct negative effect on financial performance and firm value, but does not affect survivals. However, the results of the indirect effect test show that operational efficiency has a positive mediating role in the effect of Overall SA on financial performance and survivals, but has not played a mediating role on firm value at t0. Thus it can be said that SGOV practices by complying with global and national regulations and following best-practice standards related to sustainability, sustainability risk management, and corporate sustainability performance information, can direct business strategy and make the bank's management system more adaptive to environmental conditions. The SGOV practice enables banks to transition (compliance to efficient) and transform (efficient to innovation), so that it has a positive impact on bank financial performance and survival. The results of the sensitivity test show that Overall SA has a positive effect on operational efficiency, financial performance, and survival at t+1 and t+2, but has not affected firm value at t+1 and t+2. Overall SA has the opportunity to reduce the probability of operational inefficiency and bank financial instability. These results confirm the time needed to build market awareness to use SGOV practice performance information in investment decisions. The results also confirm that with the existing level of innovation, Indonesian banking is heading for the future fit foundation.

Abstrak :
Penelitian ini bertujuan untuk menguji pengaruh dari Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), Beban Operasional terhadap Pendapatan Operasional (BOPO), dan Financing to Deposit Ratio (FDR) terhadap Return On Asset (ROA) dan Return On Equity (ROE) pada tiga Bank Umum Syariah yaitu Bank Muamalat Indonesia, Bank Syariah Mandiri, dan Bank Mega Syariah. Teknik analisis yang digunakan dalam penelitian ini adalah regresi berganda. Hasil analisis menunjukkan bahwa pengaruh CAR dan NPF terhadap ROA tidak signifikan. Sedangkan BOPO dan FDR berpengaruh signifikan terhadap ROA. Dalam hubungannya dengan ROE, hanya CAR dan BOPO yang berpengaruh signifikan, sedangkan NPF dan FDR tidak berpengaruh secara signifikan.

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This research is performed in order to test the influence of the variable Capital Adequacy Ratio (CAR), Non Performing Finance (NPF), BOPO, and Financing to Deposit Ratio (FDR) toward Return On Asset (ROA) and Return On Equity (ROE) on the three commercial sharia banks is Bank Muamalat Indonesia, Bank Syariah Mandiri, dan Bank Mega Syariah. Analytical techniques used in this study is multiple regression. The analysis showed that the effect of CAR and the NPF to the ROA is insignificant. While FDR and BOPO is significant effect on ROA. In relation to the ROE, only the CAR and BOPO a significant effect, while the NPF and FDR did not influence significantly.

Abstrak :
Abstrak
This study explores the efficiency and effectiveness of Regional Development Banks (BPD) based on the results of performance audit conducted by the Audit Board of the Republic of Indonesia (BPK RI). Performance audit produces conclusion and recommendation on economy, efficiency and effectiveness (3E). BPDs are expected to be regional champions in their respective regions. Data envelopment analysis (DEA) is used to calculate the level of production and operational efficiency of the BPDs while the level of effectiveness is assessed based on the results of performance audit conducted by BPK RI. The results show that both efficiency and effectiveness are not always achieved. This study also identifies BPD that have the highest value of production and operational efficiency and the level of effectiveness. The BPD obtained the highest efficiency and effectiveness values that could be used as a reference for other BPDs to make improvements and become a regional champion in their respective regions.

Abstrak :
Di tahun 2020 dan 2021, virus COVID-19 menyebar ke seluruh Indonesia. Pemerintah terpaksa mengumumkan status darurat dan melaksanakan kebijakan isolasi pandemi yang membatasi transportasi internasional maupun domestik. Kebijakan tersebut menyebabkan kontraksi di output sektor riil. Kontraksi ini memiliki efek meluap yang berdampak buruk bagi sektor perbankan. Penelitian ini menemukan bahwa kebijakan-kebijakan restriktif untuk mengisolasi pandemi COVID-19 berdampak buruk bagi risiko kredit dan effisiensi operasional perbankan. Penelitian ini juga menemukan bahwa kebijakan moneter mampu mengurangi dampak terhadap risiko kredit, tapi tidak berpengaruh banyak terhadap efisiensi operasional. ......In both the years 2020 and 2021, there were periods where the COVID-19 pandemic was spreading like wildfire through Indonesia, demanding that the Indonesian government declare a state of emergency and enact restrictive lockdown measures to contain the pandemic. These restrictive containment measures were disastrous for the real sector, and had spillover effects into the banking industry. This study found that those restrictive emergency containment measures affected the banking industry’s credit risk and operational efficiency. The Indonesian central bank enacted expansionary monetary policies following the emergency measures to counteract the impact of the emergency containment measures. Monetary policy was able to mitigate the adverse impacts to credit risk, but not the adverse impacts to operational efficiency.

Abstrak :
Penelitian ini bertujuan untuk mengetahui pengaruh struktur modal, manajemen aset, efisiensi operasional, ukuran bank dan pertumbuhan terhadap kinerja bank umum yang terdaftar di bursa efek Indonesia tahun 2006 -2010 baik secara simultan maupun secara parsial. Struktur modal diproxykan dengan DER, manajemen aset dengan AU, efisiensi operasional dengan BOPO, ukuran bank dengan SIZE, pertumbuhan dengan GWTH, kinerja bank dengan ROA dan ROE. Penelitian ini menggunakan sampel 9 bank dengan total aset terbesar dan data penelitian diperoleh dari laporan keuangan publikasi Bank Indonesia. Metode regresi linear berganda pada data panel menggunakan pendekatan effek random. Untuk pengujian secara simultan kelima variabel independen secara bersamasama berpengaruh terhadap ROA dan ROE. Untuk pengaruh secara parsial DER, AU, BOPO, SIZE, GWTH berpengaruh signifikan terhadap ROA. AU, BOPO, SIZE, GWTH berpengaruh signifikan terhadap ROE, dan DER tidak berpengaruh signifikan terhadap ROE. ......The study aims to determine the influence of capital structure, Asset management, operational efficiency, bank size and growth on commercial bank's performance registered in Indonesian Stock Exchange for 2006 - 2010 either simultaneously or partially. This study uses DER as proxy for capital structure, AU for asset management, BOPO for efficiency operational, SIZE for bank size, GWTH for growth, ROA and ROE for bank performance. The research used thenine sample of nine banks with largest total assets and research data obtained from published financial statement of Bank Indonesia. Multiple linear regression is used for this reseach on panel data using a random effect approach. For simultaneously testing, five independent variabels collectively influence ROA and ROE. For influence partially DER, AU, BOPO, SIZE, GWTH significant effect on ROA. AU, BOPO, SIZE, GWTH significant effect on ROE, and DER insignificant effect on ROE.