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"Penelitian ini bertujuan untuk mengetahui pengaruh dari pemilihan kepala daerah terhadap kinerja Bank Pembangunan Daerah, didasari oleh penelitian terdahulu yang menemukan bahwa bank pemerintah memiliki perilaku yang berbeda selama pemilihan umum disebabkan faktor politis. Mengobservasi 25 Bank Pembangunan Daerah di Indonesia dalam periode 2004 hingga 2013Q2, model dalam penelitian ini diregresi menggunakan metode Generalized Least Squares. Hasilnya mengimplikasikan bahwa siklus pemilihan kepala daerah mempengaruhi rasio kredit terhadap total aset, kredit terhadap dana pihak ketiga, dan kredit bermasalah. Penelitian ini memberikan pengetahuan menarik mengenai kaitan politik dengan sektor perbankan.

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This study aims to investigate the effect of gubernatorial election cycle towards Regional Development Bank's performance, based on previous literatures finding that election may cause government-owned banks behave differently due to political factors. Using samples of 25 Regional Development Banks in Indonesia within period of 2004Q1 until 2013Q2, the models are regressed using Generalized Least Squares method. The result implies that election cycle affects Regional Development Bank's loan-to-asset ratio, loan-to-deposit ratio, and non-performing loans only, leaving loan growth and net interest margin unaffected. These findings offer an interesting insight on how political event affects financial sector, specifically through banking sector"

"ABSTRAKPenerapan Corporate Governance (CG) pada sektor perbankan di Indonesia, khususnyaBank Pembangunan Daerah (BPD) sebagai entitas Badan Usaha Milik Daerah (BUMD)memperlihatkan suatu karakteristik tertentu di mana CG diterapkan dengan merujuk padapedoman yang berlaku bagi sektor perbankan secara umum di Indonesia. Mempertimbangkankeberadaan Bank DKI sebagai BPD, Bank DKI memiliki fungsi yang berbeda dengan bankumum lainnya terkait misi yang diemban sebagai Bank dengan kepemilikan saham mayoritasoleh Pemerintah Provinsi DKI Jakarta. Kondisi tersebut pada akhirnya mempengaruhi strukturCG di Bank DKI. Penelitian ini bertujuan untuk menganalisis struktur CG di Bank DKI meliputielemen Boards (Dewan Komisaris dan Direksi), Komite Dewan Komisaris dan PemegangSaham (Shareholders, Stakeholders and Holding Company). Analisis dilakukan terhadapdokumen dan hasil evaluasi CG di Bank DKI serta hasil wawancara dengan organ CG di BankDKI. Secara umum ditemukan kondisi yang belum ideal dalam proses CG di Bank DKIsekalipun struktur CG di Bank DKI telah memenuhi ketentuan CG yang berlaku secara umumbagi sektor perbankan di Indonesia.

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ABSTRACTCorporate Governance (CG) implementation in Indonesian banking sector, particularlyRegional Development Bank as Regional ? Owned Enterprise entity demonstrates a peculiarcharacteristic where CG has been exercised in compliance with set of regulations that arecommonly prevailed for Indonesian banking sector. Considering existence of Bank DKI asRegional-Owned Enterprise, the Bank has distinctive function than other commercial banksrelated to its mission as Bank with majority shares ownership by DKI Jakarta ProvincialGovernment. The condition affected CG structure at Bank DKI. The research is intended toanalyze CG structure at Bank DKI comprising Boards (Board of Commissioners and Board ofDirectors), Committees under the Board of Commissioners, as well as Shareholders,Stakeholders and Holding Company. The analysis comprehended CG documents and assessmentreport at Bank DKI as well as result of interview with CG bodies at Bank DKI. Despite BankDKI has complied with CG Regulation that is commonly prevailed on Indonesian banking sector,result of the research demonstrates problematic condition on Bank DKI?s CG process"

"Capital investment of local government or long-term regional investment is a form of government program and one of the tools of regulating the regional fiscal. Local government investment in the form of direct investment is the capital investment in business entities which aims to increase regional economic growth, increase regional income, and improve the welfare of the community. Regional capital investment is a decision-making behavior to invest or not to invest in business entities to obtain dividends. The behavior of decision making requires Information on bank performance, knowledge of banking governance, and shareholder agreements with bank directors. This study aims to analyze performance behavior and investment of provincial government that affects the profit of regional development banks in Indonesia. The method of analysis is done using descriptive statistic and multiple linear regression. Multiple Linear Regression with dependent variable of regional development bank profit and independent variable consist of Bank size (SIZE), business risk of BPD bank (RISK_Bt), Capital Adequacy Ratio (CAR), Operational Cost to Operating Income (BOPO), Return of Equity (ROE), Interest Rate of Bank (INTEREST), Provincial Capital Investment to Bank BPD (PMD), Regional Minimum Wage (UMR), Initial Public Offering Dummy (DIPO), and Bank Business Target Dummy (DSARBISB). The result of descriptive statistical analysis concluded that the capital investment of 26 provincial governments in 26 regional development banks describes the varying bank performance caused by different bank sizes. The results of multiple regression analysis can conclude that all independent variables are able to both explain the dependent variable at a significant level of level below 1%, as well as individually ten independent variables that are statistically significantly different with zero at levels below 1%, below 5%, and below 10%."

"Skripsi ini membahas mengenai kewajiban Bank Pembangunan Daerah BPD sebagai Badan Usaha Milik Daerah BUMD untuk menerapkan Good Corporate Governance GCG berdasarkan UU Nomor 23 Tahun 2014. Secara khusus, skripsi ini akan menganalisis bagaimana bentuk penerapan prinsip transparansi pada suatu BPD khususnya, pada PT Bank Pembangunan Daerah Jawa Timur Tbk Bank Jatim sesuai peraturan perundang-undangan yang berlaku. Dengan menggunakan metode penelitian yuridis normatif, penelitian ini menyimpulkan bahwa pada prinsipnya, bentuk penerapan prinsip transparansi pada BPD terbagi menjadi tiga bagian, yaitu menyusun laporan, mempublikasikannya, dan memastikan bahwa laporan tersebut dapat diakses oleh publik. Terdapat setidaknya terdapat 8 delapan bentuk penerapan prinsip transparansi pada BPD, yaitu laporan publikasi bulanan, laporan publikasi triwulanan, laporan publikasi tahunan, laporan publikasi SBDK, laporan publikasi informasi atau fakta material, informasi produk, informasi penggunaan data nasabah, serta laporan pelaksanaan tata kelola. Untuk BPD yang berbentuk Perusahaan Terbuka juga wajib membuat ringkasan risalah rapat RUPS dan informasi kebijakan kebijakan komunikasi dengan pemegang saham atau investor. Selain itu penelitian ini juga menemukan bahwa bentuk penerapan prinsip transparansi Bank Jatim telah sesuai dengan peraturan perundang-undangan yang berlaku.Kata kunci: prinsip transparansi, good corporate governance, bank pembangunan daerah.

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This thesis discusses the obligation of Regional Development Bank RDB as a Regionally Owned Enterprises ROE to implement Good Corporate Governance GCG. In particular, this thesis analyzes the form of transparency principle on RDB, specifically on PT Bank Pembangunan Daerah Jawa Timur Tbk Bank Jatim according to exisiting regulations. By using legal normative method, this thesis concludes that in principle, the form of transparency principle on BPD is divided into three parts, namely preparing reports, publishing them, and ensuring that they are publicly accessible.

There are at least 8 eight forms of transparency principle, which are monthly report, quarterly report, annual report, prime lending rate report, report on material information or facts information regarding bank rsquo s product and use of customers data, and GCG report. For RDB in the form of Public Company also obligated to make summary of general meeting of shareholders minutes of meeting and information on communication with shareholder and investor. This study also found that the form of transparency principle implementation in Bank Jatim is already in accordance with existing regulations. "

"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."

"Perbankan syariah memerlukan pengukuran kinerja atas pencapaian tujuan-tujuan syariah, selain perhitungan kinerja secara bisnis bank sebagaimana sistem konvensional. Perspektif maqaṣid syariah dapat digunakan sebagai pengukuran kinerja bank syariah sesuai dengan tujuan dan karakteristik bank syariah. Merujuk pada konsep maqaṣid syariah Abu Zahrah yaitu Tahdzib al-Fard, Iqamah al-Adl dan Maslahah, Mustafa Omar Mohammed dan timnya mengkonstruksikan model pengukuran kinerja yaitu Indeks Maqaṣid Syariah untuk menghitung pencapaian tujuan-tujuan syariah suatu bank syariah yaitu pendidikan, keadilan dan kesejahteraan. Data untuk penelitian menggunakan data laporan keuangan yang terdapat dalam laporan tahunan, situs web bank dan BPS serta konfirmasi data bank. Penelitian dilakukan dalam dua tahapan. Pertama, penelitian kuantitatif deskriptif yang menghitung dan menganalisis kinerja syariah PT Bank Aceh Syariah sebagai BPD Syariah milik Pemerintah Daerah dengan basis maqaṣid syariah menggunakan model indeks maqaṣid syariah. Kedua, penelitian inferensia dengan pengolahan data menggunakan VAR/VECM untuk melihat kontribusi bank sebagai BUMD terhadap pembangunan daerah Aceh. Hasil penelitian ditemukan perkembangan indeks maqaṣid syariah PT Bank Aceh Syariah dari tahun 2016-2022 mengalami peningkatan. Tujuan membangun keadilan memiliki nilai terbanyak dalam menyumbang indeks maqaṣid syariah, disusul dengan tujuan memajukan kesejahteraan dan mendidik individu. Meskipun pencapaian indeks menunjukkan peningkatan, namun nilainya relatif rendah (posisi terakhir tahun 2022 sebesar 31,6678 dengan laju rerata sebesar 1,45%) mengindikasikan bahwa bank belum berfokus pada pencapaian kinerja syariah atau pencapaian tujuan-tujuan syariah belum menjadi concern bank. Pengolahan data VAR/VECM memperlihatkan adanya kausalitas satu arah antara Laba dengan PDRB. Kontribusi bank sebagai BUMD terhadap pembangunan ekonomi dengan lag variabel saling berpengaruh hingga tiga periode sebelumnya. Pemerintah Provinsi Aceh sebagai pemegang saham pengendali dapat menaruh perhatian lebih memadai atas pencapaian kinerja syariah PT Bank Aceh Syariah, sehingga keberadaan bank syariah bisa berdampak lebih luas kepada masyarakat termasuk pada pembangunan perekonomian daerah.

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Islamic banking requires performance measurement on the achievement of sharia objectives. Apart from calculating the bank’s financial performance similar to the conventional bank performance system, the maqaṣid sharia perspective can be used as a measurement of performance of Islamic bank in accordance with the objectives and the characteristics of the bank. Referring to maqaṣid sharia concept of Abu Zahrah which formulates three objectives of Islamic bank, namely Tahdzib al-Fard, Iqamah al-Adl, and Maslahah, the performance measurement model constructed by Mustafa Omar Mohammed et al, namely the Maqaṣid Sharia Index, can be used to calculate the achievement of sharia objectives; education, justice and welfare. The data for the research was collected from the financial report of the company’s annual reports, the bank’s official websites, and BPS as well as data confirmation from the bank. The research was conducted in two stages. The first one utilized descriptive quantitative research that calculates and analyzes the sharia performance of PT Bank Aceh Syariah as a BPD Sharia belonging to the Regional Government based on maqaṣid sharia using the maqaṣid sharia index. The second one utilized inferential research, in which the data was analyzed using VAR/VECM to see the bank’s contribution as a BUMD to the regional development of Aceh. The results show that the development of the maqaṣid sharia index of PT Bank Aceh Syariah from 2016 – 2022 has increased. The objective of building justice has the highest contribution to the maqaṣid sharia index, followed by advancing the welfare and educating individual objectives. Albeit the achievement index leans toward the increase, the relatively low value (last position in 2022 was 31.6678 with an average rate of 1.45%) indicates that the bank has not thoroughly focused on achieving sharia performance or achieving sharia objectives was not the main concern of the bank. The VAR/VECM data show that there was a one-way causality between profit and GRDP. The bank’s contribution as a BUMD to the economic development was not significant enough considering the delays in the previous three periods. The Aceh Provincial Government as the main shareholder should pay more attention to the achievement of sharia performance of PT Bank Aceh Syariah, so that the existence of sharia bank can have a wider impact on the community, including on the regional economic development."