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"Penelitian ini bertujuan untuk menganalisa pengaruh Firm Size, Degree of Total Leverage dan Cyclicality terhadap risiko bisnis. Karena semua kegiatan perusahaan yang bergerak dalam dunia bisnis, tidak bisa melepaskan diri dari risiko yang dihadapi oleh investor.Penelitian ini dilakukan terhadap perusahaan-perusahaan yang tennasuk dalam kategori Aneka Industri di Bursa Efek Jakarta (BE]) menggunakan regresi berganda secara cross section, dengan rentang waktu 4 tahun (1998-2002). Hasil dari penelitian adalah variabel firm size, DTL, dan Cyclicality secara bersama-sama tidak berpengaruh terhadap tingkat risiko bisnis sektor aneka industri. Variable Firm Size berpengaruh signifikan secara parsial terhadap risiko bisnis.Variabel Degree of Total Leverage dan Cyclicality masing-masing tidak terbukti berpengaruh secara signifikan terhadap risiko bisnis perusahaan-perusahaan dalam kelompok aneka industri.

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The purpose of this research is to analyze the relation between Firm Size, Degree of Total Leverage, and Cyclicality to Business Risk. Because all the company that related to business world can not be free from the risk that the investor face.This research is being test to the company that include in various industries that listed in BD by using cross section, for 4 years (or between 1998 until 2000). And the result from this research is Firm Size, Degree of Total Leverage and Cyclicality is not related to business risk in various industries. Variable Finn Size had significant influence in partial to business risk.Variable Degree of Total Leverage and Cyclicality not proved significance to business risk in company that related in various industries."

"Analisis bisnis dan valuasi pengembangan branchless banking bertujuan untuk menganalisis risiko-risiko yang perlu dimitigasi bank, memilih metode analisis yang tepat serta pengaruh terhadap peningkatan funding dan fee based income. Metode penelitian yang digunakan dengan pendekatan kuantitatif-deskriptif, di mana hasil analisis yang diperoleh terdapat 4 jenis risiko signifikan yang mempengaruhi/berdampak pada branchless banking , yaitu (i) Risiko Likuiditas; (ii) Risiko Operasional; (iii) Risiko Reputasi dan (iv) Risiko Kredit. Sementara itu hasil analisis bisnis dan valuasi menggunakan 4 metode analisis yaitu (i) Analisis Break Even Point (BEP); (ii) Analisis Payback Period Method ; (iii) Analisis Discount Cashflow Factor dengan metode Net Present Value dan (iv) Real Option 5 Steps Lattice Model, memberikan hasil analisis bahwa BEP dan Payback Period sekitar 1 tahun 8 bulan (kurang dari 2 tahun sesuai ketentuan Bank), Hasil DCF (NPV) sudah positif pada Tahun Ke-2 serta perhitungan Real Options menunjukkan bahwa bisnis branchless banking layak untuk dijalankan (workable). Pengembangan Branchless Banking berpengaruh terhadap peningkatan funding melalui BSA = Basic Savings Account, dan Fee Based Income dari transaksi jasa yang menggunakan electronic banking devices, yaitu transaksi cek saldo, transfer on line, pembayaran, pembelian, isi ulang pulsa dll. Pengembangan Branchless Banking layak/feasible untuk dikembangkan dan perlu direkomendasikan kepada Manajemen, dan pada tahap awal dikembangkan 18 Agent Branchless Banking sebagai Pilot Project sesuai dengan jumlah Kantor Cabang.

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Purposes of business analysis and valuation Branchless Banking are for analyzing risks were mitigated by bank, appropriate analysis method and influence for increasing funding and fee based income. Quantitative and descriptive approach was applied for this research method. The result of analysis, there are 4 risks significantly for Branchless Banking, as follows: (i) Liquidity Risk; (ii) Operational Risk; (iii) Reputation Risk; (iv) Credit Risk and Analysis method for business analysis and valuation are used BEP/Break Even Point; Payback Period Method, Discount Cashflow Factor (NPV) and Real Optios 5 Lattice Model. The result for BEP and Payback Period Analysis got 1 year and 8 months less than bank policy, positive cashflow less than 2 years for discount cashflow factors analysis and result of Real Options 5 Lattice Model shown this business is workable. According the result of business analysis and valuation for branchless banking impact to increase funding (BSA = basic savings accounts) and fee based income (bank transactions throught electronic banking devices like as Internet Banking, Mobile Banking and EDC (electronic data capture). The feasibility study of branchless banking is feasible and workable to develop and propose recommendations to management, the first step for pilot project to develop 18 agent of branchless banking will be set up by branch. Every branchess will recruit 1 agent which now the number of branches offices are 18 branches."

"Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh cross-sectional risk, yang merupakan risiko spesifik bisnis dan volatilitas pasar saham, sebagai variabel untuk mengestimasi risiko makroekonomi di Indonesia. Penelitian ini mengobservasi perusahaan-perusahaan publik di Indonesia dan data-data makroekonomi Indonesia pada periode 2004 - 2020. Dalam penelitian ini, penulis menggunakan term spread sebagai variabel dependen yang merefleksikan risiko makroekonomi, dan financial friction, arus kas, debt-service-ratio, dan volatilitas pasar saham sebagai variabel independen. Dengan menggunakan metode Autoregressive Distributed Lag Model, penelitian ini menunjukkan bahwa risiko perusahaan secara spesifik dan risiko pasar saham mampu mengestimasi risiko makroekonomi, sehingga menjadi sinyal awal shock ekonomi, seperti resesi atau inflasi tinggi di masa depan. Model dalam penelitian ini juga meneliti hubungan cross-sectional risk terhadap indikator makroekonomi lainnya, seperti consumer confidence index, money supply, dan neraca dagang Indonesia. Setiap variabel merepresentasikan makna masing-masing dalam menjelaskan risiko makroekonomi Indonesia.

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This study was conducted with the aim of knowing the effect of cross-sectional risk, which comprises business-specific risk and stock market volatility, as a variable for estimating macroeconomic risk in Indonesia. This study observes public companies in Indonesia and Indonesian macroeconomic data in the period 2004 - 2020. In this study, the authors use term spread as the dependent variable that reflects macroeconomic risk, and the cross-sectional risk comprises financial friction, cash flow, debt-service-ratio, and stock market volatility as independent variables. By using the Autoregressive Distributed Lag Model method, this study shows that business-specific risk and stock market risk are able to estimate macroeconomic risk, so that it becomes an early signal of economic shock, such as recession or high inflation in the future. The model in this study also examines the cross-sectional risk relationship with other macroeconomic indicators, such as the consumer confidence index, money supply, and Indonesia's trade balance. Each variable represents its own meaning in explaining Indonesia's macroeconomic risk."

"Penelitian ini bertujuan untuk menganalisis hubungan model bisnis terhadap risiko bank pada bank syariah di Indonesia. Risiko bank direpresentasikan dengan Z-score, sedangkan model bisnis direpresentasikan ke dalam dua hal, yaitu porsi fee based income pada struktur pendapatan dan porsi non deposit funding pada struktur pendanaan. Penelitian ini dianalisis melalui data panel yang mengobservasi 33 data bank syariah di Indonesia pada tahun 2005 hingga tahun 2015. Hasil dari penelitian ini menyimpulkan bahwa pada keseluruhan data besarnya porsi fee based income berpengaruh terhadap risiko bank, sedangkan untuk besarnya porsi non deposit funding tidak berpengaruh terhadap risiko bank. Kemudian, guna kepentingan robustness, peneliti melakukan regresi antar variabel dengan mengkategorikan bank syariah menjadi bank syariah besar dan bank syariah kecil. Pada kategori bank besar, hasil penelitian baik fee based income dan non deposit funding tidak berpengaruh terhadap risiko bank sedangkan untuk bank berkategori kecil, besarnya porsi fee based income memiliki pengaruh terhadap risiko bank, sedangkan untuk besarnya porsi non deposit funding tidak memiliki pengaruh terhadap risiko bank.

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This study aimed to analyze the relationship between business model of bank 39 s risk in Islamic banks in Indonesia. Bank risk is represented by Z score, while business model is represented in two ways, namely the portion of fee based income in income structure and the portion of non deposit funding in funding structure. This study analyzed panel data observed through the data 33 Islamic banks in Indonesia in 2005 to 2015. The results of this study concluded that the overall size of data portion of fee based income effect on the risk of bank, while the magnitude of portion of non deposit funding is not effect on bank 39 s risk. Then, for robustness checks, We conducted a regression between variables to categorize Islamic banks into large and small Islamic banks. In the category of large banks, both fee based income and non deposit funding did not affect bank rsquo s risk, while for banks categorized as small, the magnitude of portion of fee based income has an influence on risk of bank, while the magnitude of portion of non deposit funding has no effect the bank 39's risk."