Hasil Pencarian  ::  Simpan CSV :: Kembali

"Penelitian ini bertujuan untuk melihat pengaruh financial behavior dan perceived value terhadap willingness to pay saat akan mengadopsi teknologi 5G di kalangan generasi Z. Teknik pengumpulan data yang digunakan adalah metode survei dengan memperoleh 333 responden dari seluruh Indonesia. Pengolahan datanya menggunakan Partial Least Square-Structural Equation Modeling (PLS-SEM) dengan bantuan aplikasi SMARTPLS. Berdasarkan hasil penelitian yang telah dilakukan, diketahui bahwa semua variabel keuangan dan penerimaan manfaat memiliki dampak yang signifikan. Selain itu, didapatkan juga bahwa financial behavior dan perceived value berhasil menghubungkan variabel keuangan dan penerimaan manfaat terhadap willingness to pay.

---

This study aims to examine the influence of financial behavior and perceived value on willingness to pay when adopting 5G technology among Generation Z. The data collection technique used was a survey method, obtaining 333 respondents from across Indonesia. The data were processed using Partial Least Square-Structural Equation Modeling (PLS-SEM) with the assistance of the SMARTPLS application. Based on the results of the conducted research, it is known that all financial variables and perceived benefits have a significant impact. Additionally, it was also found that financial behavior and perceived value successfully link financial variables and perceived benefits to willingness to pay."

"Penelitian ini dilakukan dengan tujuan untuk mengetahui pengaruh dari variabel intellectual capital terhadap profitabilitas perusahaan perbankan di Indonesia yang diukut dengan rasio return on asset (ROA) dan return on equty (ROE). Total sampel yag digunakan yaitu sebanyak 10 perbankan konvensional di Indonesia yang terklasifikasi sebagai Bank Buku IV oleh Bank Indonesia dan terdaftar di Bursa Efek Indonesia. Dalam melakukan analisis penelitian ini menggunakan data panel dan metode regresi Ordinary Least Square (OLS) dengan data triwulan selama masa pandemi COVID-19, yaitu pada periode kuartal II 2020 sampai kuartal IV 2021. Hasil penelitian ini menunjukkan bahwa intellectual capital yang dihitung menggunakan model VAIC berpengaruh secara negatif terhadap ROA dan positif terhadap ROE perusahaan perbankan di Indonesia. Pada komponen intellectual capital, HCE dan CEE memiliki pengaruh positif, sedangkan variabel SCE memiliki pengaruh negatif terhadap ROA dan ROE perbankan di Indonesia.

---

This study aims to determine the effect of the intellectual capital variable on the profitability of banking companies in Indonesia as measured by the ratio of return on assets (ROA) and return on equity (ROE). The total sample used is 10 conventional banks in Indonesia which are classified as Buku IV Banks by Bank Indonesia and listed on the Indonesia Stock Exchange. In conducting this research analysis using panel data and the Ordinary Least Square (OLS) regression method with quarterly data during the COVID-19 pandemic, namely in the second quarter of 2020 to the fourth quarter of 2021. The results of this study indicate that intellectual capital is calculated using the VAIC model. has a negative effect on ROA and positive on ROE of banking companies in Indonesia. In the intellectual capital component, HCE and CEE have a positive effect, while the SCE variable has a negative effect on ROA and ROE of banking in Indonesia.

"

"ABSTRACTPenelitian ini bertujuan untuk menganalisis pengaruh dari variabel aktivitas lembaga keuangan yang terdiri dari kredit bank, kapitalisasi pasar, dan asuransi serta variabel aktivitas non lembaga keuangan yang terdiri dari ekspor impor dan foreign direct investment terhadap pertumbuhan ekonomi yang diukur melalui pertumbuhan GDP. Uji Hausman menunjukkan Fixed Effect adalah model estimasi yang tepat untuk penelitian ini. Data dari 16 negara yang terdiri dari 8 negara berkembang dan 8 negara maju dalam tahun 1998-2016 yang di estimasi dengan menggunakan Generalized Least Square (GLS). Hasil penelitian menunjukkan kredit bank signifikan berpengaruh negatif pada pertumbuhan GDP baik pada negara berkembang maupun maju. Kapitalisasi pasar signifikan berpengaruh positif terhadap pertumbuhan GDP di negara berkembang dan negara maju.  Sedangkan penelitian ini menemukan pengaruh yang tidak signifikan dari asuransi dan ekspor impor terhadap pertumbuhan GDP baik di negara berkembang maupun di negara maju. Selain itu foreign direct investment signifikan berpengaruh secara positif di negara berkembang terhadap pertumbuhan GDP namun tidak signifikan berpengaruh di negara maju.

---

ABSTRACTThis study aims to analyze the effect of financial institutions actitivies variable which consists of bank credit, market capitalization, insurance, and non-financial institutions variable which consist of export import and foreign direct investment on macroeconomics growth measured by GDP growth. The Hausman test shows that Fixed Effect is appropriate for this study. Data from 16 countries consists of 8 developed and 8 developing countries for the period 1998-2016 were estimated using Generalized Least Square (GLS). The result showed that bank credit has significant negative effect on GDP growth both developing and developed countries. Market capitalization has a significant positive effect on GDP growth in developing and developed countries. While this study found insigniffcant effect of insurance and export import on GDP growth in developing and developed countries. Furthermore, foreign direct investment significantly positive in developing countries for GDP growth but insignificant in developed countries."

"

Penelitian ini menganalisis pengaruh korupsi terhadap cash holding dan cash flow sensitivity of cash perusahaan di emerging market ASEAN berdasarkan MSCI, yaitu Filipina, Indonesia, Malaysia dan Thailand. Penelitian ini menggunakan data panel dengan sampel 326 perusahaan. Variabel dependennya adalah cash holding dan changes in cash holdings. Variabel independennya adalah corruption index dan variabel interaksi antara corruption index dan cash flow. Variabel kontrolnya yang terdiri dari faktor spesifik perusahaan dan faktor makroekonomi. Periode penelitian yang dipilih dari tahun 1997-2018 yang dibagi menjadi 2 periode yang berbeda, yaitu tahun 1997-2007 (sebelum SEA-PAC) dan tahun 2008-2018 (setelah SEA-PAC). Hasil penelitian menunjukkan bahwa korupsi berpengaruh secara positif terhadap cash holdings dan cash flow sensitivity of cash.

---

This study examine the effect of corruption on cash holding and cash flow sensitivity of cash in emerging market ASEAN based on MSCI i.e. Philippines, Indonesia, Malaysia and Thailand. This study used panel data set of 326 firms. The dependent variable are cash holding and changes in cash holdings. The independent variable are the corruption index and the interaction variable of corruption index and cash flow. The control variables consists of company-specific factors and macroeconomic factors. The research period is 1997-2018 that divided into period 1997-2007 (before SEA-PAC) and period 2008-2018 (after SEA-PAC). The findings show that corruption has a positive effect on cash holdings and cash flow sensitivity of cash.

"

"Penelitian ini menganalisis pengaruh diversifikasi terhadap kinerja perusahaan pada perusahaan tercatat di Bursa Efek Indonesia tahun 2006-2011, menggunakan pendekatan regresi kuantil. Penulis menemukan bahwa diversifikasi memberikan pengaruh negatif pada kinerja perusahaan saat pengukuran kinerja menggunakan Return on Assets (RoA) dan pengaruh ini semakin negatif pada kelompok perusahaan dengan tingkat kinerja relatif tinggi. Untuk pengukuran kinerja menggunakan nilai Tobin?s q, diversifikasi memberikan pengaruh negatif pada kinerja perusahaan untuk kelompok perusahaan dengan tingkat kinerja menengah, dan pengaruh negatif ini terus meningkat seiring meningkatnya kinerja perusahaan sampai pada kuantil Tobin?s q 0,70.

---

This study investigates the effect of diversification on firm performance using data of Indonesian listed companies during 2006-2011 employing quantile regression approach. This empirical results show that the effect of diversification on firm performance is negative, using Return on Assets (RoA) as measure of performance, and this effect becomes increasingly negative on firm performance for companies with relatively high performance. Using Tobin?s q as performance measure, the effect of diversification on firm performance is negative for companies with middle high performance, and this effect becomes increasingly negative until Tobin?s q quantile 0.70."

"Penelitian ini bertujuan untuk menganalisis pengaruh keberadaan bank asing dengan aggregate dan disaggregated measures terhadap kinerja bank domestik Indonesia periode 2004-2012. Teknik estimasi penelitian menggunakan fixed effect model. Peneliti menemukan bahwa keberadaan bank asing memiliki pengaruh negatif terhadap net interest margin bank domestik, tetapi memiliki pengaruh positif terhadap noninterest income dan overhead cost bank domestik Indonesia. Hal tersebut mengimplikasikan bahwa peningkatan keberadaan bank asing dapat meningkatkan efisiensi pendapatan bank domestik. Namun, peningkatan keberadaan bank asing mempengaruhi bank domestik untuk meningkatkan biaya operasional.

---

This research is aimed to analyze the effect of foreign bank entry on Indonesian domestic banks performance by using aggregate and disaggregated measures in 2004-2012. By applying fixed effect estimators, this research presents that foreign bank presence has a negative effect on net interest margin. However, this research found that foreign bank presence has positive effects on noninterest income and overhead cost. These findings suggest that foreign banks play an important role to encourage domestic banks to operate more efficient. However, an increased foreign bank presence forces domestic banks to spend more."

"[ABSTRAKPenelitian ini meneliti pengaruh faktor makroekonomi; yaitu perubahan GDP, perubahan real lending rate (BI rate), dan perubahan sovereign debt to GDP; dan pengaruh faktor spesifik bank, yaitu bad management, skimping, diversification opportunity, too big to fail, bad management II, procyclical credit policy, tight control terhadap perubahan NPL di Indonesia. Observasi dilakukan terhadap 105 bank umum yang diakui oleh BI di Indonesia selama kurun waktu 2003-2011 secara kuartal. Data yang digunakan merupakan data panel yang bersumber dari Datastream, Eikon, dan laporan keuangan perusahaan. Dengan menggunakan model estimasi First Difference Generalized Method of Moment (GMM), didapatkan hasil bahwa perubahan GDP, perubahan sovereign debt to GDP, skimping, diversification opportunity, bad management II, dan tight control (untuk ownership concentration lebih dari 25% hingga 50%) secara signifikan berpengaruh negatif terhadap perubahan NPL. Di sisi lain perubahan real lending rate (BI rate), too big to fail, dan tight control (untuk ownership concentration lebih dari 10% hingga 25% dan lebih dari 50%) secara signifikan berpengaruh positif terhadap perubahan NPL. Sedangkan bad management dan procyclical credit policy tidak secara signifikan berpengaruh terhadap perubahan NPL.

---

ABSTRACTThis research examines the effect of macroeconomic factors, such as GDP growth, real lending rate (BI rate) growth, and change in sovereign debt to GDP; and the effect of bank-specific factors, such as bad management, skimping, diversification opportunity, too big to fail, bad management II, procyclical credit policy, tight control to the change of NPL in Indonesia. Observation is done to 105 bank in Indonesia within period of 2003-2011. By using panel data of macroeconomic and bank-specific factors from Datastream, Eikon, and financial report. By using First Difference Generalized Method of Moment (GMM) estimation model, research finds that GDP growth, change in sovereign debt to GDP, skimping, diversification, bad management II, dan tight control (for ownership concentration more than 25% until 50%) has negative effect on the change in NPL. In other side, real lending rate (BI rate) growth, too big to fail, and tight control (for ownership concentration more than 10% until 25% and more than 50%) has positive effect on the change in NPL. It also discovers that bad management and procyclical credit policy has no effect on the change in NPL., This research examines the effect of macroeconomic factors, such as GDP growth, real lending rate (BI rate) growth, and change in sovereign debt to GDP; and the effect of bank-specific factors, such as bad management, skimping, diversification opportunity, too big to fail, bad management II, procyclical credit policy, tight control to the change of NPL in Indonesia. Observation is done to 105 bank in Indonesia within period of 2003-2011. By using panel data of macroeconomic and bank-specific factors from Datastream, Eikon, and financial report. By using First Difference Generalized Method of Moment (GMM) estimation model, research finds that GDP growth, change in sovereign debt toGDP, skimping, diversification, bad management II, dan tight control (for ownership concentration more than 25% until 50%) has negative effect on the change in NPL. In other side, real lending rate (BI rate) growth, too big to fail, and tight control (for ownership concentration more than 10% until 25% and more than 50%) has positive effect on the change in NPL. It also discovers that bad management and procyclical credit policy has no effect on the change in NPL.]"

"ABSTRAKTujuan dari penelitian ini adalah menganalisis pengaruh pertumbuhan kredit abnormal terhadap risiko kredit dan profitabilitas bank umum di Indonesia periode 2008-2012, dengan menggunakan model data cross section dan time series. Hasil estimasi dari penelitian ini menemukan bahwa pertumbuhan kredit mampu mendorong peningkatan cadangan kerugian kredit untuk menurunkan risiko kredit. Sehubungan dengan adanya pengaruh dari pertumbuhan kredit maka dapat disimpulkan bahwa pertumbuhan kredit memiliki peran penting dalam risiko sebuah bank.

---

ABSTRACTThe aim of this study is to analyze the effects of abnormal loan growth on credit risk and profitability of banks in Indonesia for period 2008-2012 by using crossection and time series data. The estimation results of this study found that loan growth leads to an increase in loan losses provision to reduce credit risk on banks in Indonesia. With respect to the impact of the loan growth, it can be concluded that loan growth has an important driver of the riskiness of a bank."

"Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan non-bunga terhadap risiko bank pada bank berorientasi retail dan bank berorientasi investasi di Indonesia periode 2008-2014. Teknik estimasi yang digunakan adalah fixed effect model. Penelitian ini menemukan bahwa pendapatan non-bunga memiliki pengaruh positif terhadap risiko pada bank berorientasi investasi ditandai dengan menurunnya nilai z-score. Selain itu, peningkatan pendapatan non-bunga ditemukan meningkatkan risk adjusted return pada seluruh sampel dan bank berorientasi retail. Di sisi lain, peningkatan pendapatan non-bunga menurunkan risk adjusted capitalization pada bank berorientasi investasi. Pengaruh pendapatan non-bunga terhadap risiko secara umum disumbang oleh pendapatan komisi, provisi, dan fee.

---

This research is aimed to analyze the effect of non-interest income on bank risk in Indonesian retail oriented banks and investment oriented banks from 2008 to 2014. Using fixed effect model, the result show that non-interest income has positive effect on bank risk in investment oriented bank in the sense of having lower z-score. Furthermore, an increase in non-interest income inreases risk adjusted return in full sample and retail oriented bank, while it reduce risk adjusted capitalization in investment oriented bank. The results show that the effect of non-interest income on bank risk mainly comes through fee and commission income."

"[ABSTRAKPenelitian ini bertujuan untuk mengetahui perbedaan antara bank konvensional dan bank syariah di Indonesia dengan menggunakan ukuran kinerja, risiko, dan sistem bank. Kelompok ukuran kinerja yang digunakan adalah rasio profitabilitas dan rasio likuiditas. Ukuran risiko yang digunakan adalah risiko kredit dan insolvency risk. Ukuran sistem yang digunakan adalah rasio struktur aset dan sistem operasional. Metode yang digunakan adalah regresi logistik. Peneliti menemukan bahwa terdapat perbedaan antara bank konvensional dan bank syariah dilihat dari rasio keuangan. Bank konvensional memiliki nilai rasio yang lebih besar pada rasio ROA, CTD, LLR, LTD, DTA, FAA dan OBSIA. Sedangkan bank syariah memiliki nilai rasio yang lebih besar pada rasio NPL dan DTE.

---

ABSTRACT

;This study aims to determine the difference between conventional banks and Islamic banks in Indonesia by using performance indicators, risk indicators, and system. Performance indicators used are the ratio of profitability and liquidity ratio. Risk indicators used are credit risk and insolvency risk. System indcators used are the ratio of asset structure and operational system. The method used is logistic regression. Researchers found that there is a difference between conventional banks and Islamic banks seen from the financial ratios. Conventional banks have greater value on ROA, CTD, LLR, LTD, DTA, FAA and OBSIA. While Islamic banks have greater value in NPL and DTE.

, This study aims to determine the difference between conventional banks and Islamic banks in Indonesia by using performance indicators, risk indicators, and system. Performance indicators used are the ratio of profitability and liquidity ratio. Risk indicators used are credit risk and insolvency risk. System indcators used are the ratio of asset structure and operational system. The method used is logistic regression. Researchers found that there is a difference between conventional banks and Islamic banks seen from the financial ratios. Conventional banks have greater value on ROA, CTD, LLR, LTD, DTA, FAA and OBSIA. While Islamic banks have greater value in NPL and DTE.

]"