11 research outputs found

    Competitiveness of Indonesian banking industry based on commercial bank business group: Panzar Rosse Model

    Get PDF
    The present research was aimed to investigating the competitiveness in Indonesian banking sector during the period of 2005 to 2016, to set the limit of the scope of the study a total sample is 84 banks. This research was conducted by grouping banks based on ownership and based on BUKU (General Bank based on Business Activities). The study also aimed to analyze the banking competitiveness based on classification of banks and groups of capital ownership. The study was conducted by evaluating the value of H-statistic for the research model comprising of three input variables, namely funds, labors and capital. The results of the research show that the market of banking industry in Indonesia is classified as monopolistic competition. The limitation of this study is that this study only looks at the competition variable, and has not seen its relationship with other variables. In subsequent studies, it is expected to conduct research related to competition and relate it to other variables, such as market share or level of market concentration

    Islamic bank efficiency: an efficiency method with SFA

    Get PDF
    Judging from the financial ratios, the performance of Islamic banking in Indonesia was remarkably stable both before and during the Covid-19 pandemic. However, another thing is whether this condition could make Islamic banks continue to work effectively. This study aimed to measure the cost efficiency of Islamic commercial banks in Indonesia quarter I of 2019 – quarter IV of 2020 and analyze the influencing factors in cost efficiency. The study used a saturated sampling technique with a total sample of 14 Islamic commercial banks, while the efficiency level was determined using the Stochastic Frontier Analysis (SFA) method. It turns out that PT. Bank Muamalat Indonesia Tbk. has the highest efficiency value of 0.9284. Several banks with an efficiency value of more than 0.5 are PT. Bank Aceh Syariah, PT. Bank BNI Syariah, and PT. Bank Mega Syariah. In this study, only inflation variables affect efficiency. In contrast, bank size, Return on Assets (ROA), Net Operating Margin (NOM), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR) variables, Capital Adequacy Ratio (CAR), Gross Domestic Product (GDP), and the rupiah exchange rate don’t affect the efficiency. Overall, all the company's internal variables and environmental variables affect efficiency

    The Mediating Role of Employee Motivation in The Relationship Between Budget Participation and Budgetary Slack

    Get PDF
    Objectives: A budget is a plan expressed in the company's financial measures as a guideline for work in a certain period.  Budgeting involves many parties starting from the top and bottom levels, making it vulnerable to budgetary slack. The purpose of this study is to examine employee motivation at the corporate offices of PT ASDP Indonesia Ferry (Persero) in order to ascertain the impact of budgetary participation on the occurrence of budgetary slack.Methodology: This study used quantitative research by conducting surveys through questionnaires. The respondents in this study were 211 employees of PT ASDP Indonesia Ferry (Persero) head office and were analyzed using path analysis.Finding: The findings indicated that when employees at PT ASDP Indonesia Ferry (Persero) head office are directly involved in budgeting, it has a noteworthy and favorable impact on their motivation and the occurrence of budgetary slack. Employee motivation has a direct and significant positive effect on budgetary slacks at PT ASDP Indonesia Ferry (Persero). Additionally, employee motivation at the PT ASDP Indonesia Ferry (Persero) headquarters can mediate the impact of budget participation on budgetary slack.Conclusion:  This study highlights the significance of employee involvement in budgeting for enhancing motivation and reducing budgetary slacks. It underscores the need for balanced budget participation to maintain control and suggests that employee motivation acts as a vital mediator in this relationship, offering valuable insights for optimizing budget processes and fostering workforce efficiency

    Productivity of Islamic Banking in Indonesia

    Get PDF
    One measurement tool to increase banking performance, especially Islamic banking, is from the productivity side. Productivity measurement is done to determine how far a bank can run its operational activities by minimalizing input and maximalizing output results. This study aims to analyze the productivity level of Islamic Banking in Indonesia. The research sample was 11 Islamic banks from 2010 to 2019. Data obtained through financial statements and then divided into input and output variables. The productivity measurement technique by using Malmquist Index. The research shows that Islamic banking productivity with a cost approach indicates that Islamic banking has achieved a productive stage. It is seen from the average TFPCH (Total Factor Productivity Change) score that is quite high. It indicates that the decrease in Indonesia's Islamic banking growth generally occurs due to technology chang

    PENGUATAN TATA KELOLA PADA ENTITAS BERORIENTASI NON LABA DI PONDOK PESANTREN MODERN ASSURUUR KABUPATEN BANDUNG

    Get PDF
    Pondok Pesantren Modern As-Suruur merupakan salah satu pondok pesantren milik swasta yang terletak di Desa Pameungpeuk- Banjaran - Kabupaten Bandung yang sudah terakreditasi A oleh Badan Akreditasi Nasional/Madrasah (BAN-SM). Dengan akreditasi tersebut menjamin bahwa komponen mutu lulusan, proses pembelajaran, mutu guru dan manajemen sekolah telah dinilai baik sesuai standar nasional yang ditentukan. Penerapan sistem pendidikan di pesantren melibatkan unsur agama dan kearifan lokal yang memiliki struktur, sistem, budaya, norma dan etika yang berbeda dengan lembaga pendidikan umum. Penerapan 5 prinsip tata kelola yang baik yaitu tranparansi, akuntabilitas, pertanggungjawaban, kemandirian dan kewajaran dapat meningkatkan kinerja pesantren secara efektif dan efisien. Tata kelola pada pondok pesantren di Indonesia masih jarang dilakukan, sosialisasi dalam bentuk penyuluhan diperlukan agar manajemen pondok pesantren memiliki  pengetahuan yang memadai mengenai tata kelola. Dengan tata kelola yang baik diharapkan visi tercapai karena misi dapat dijalankan dengan baik, meningkatkan reputasi pesantren, menghidari praktik korupsi dan kolusi, dan menambah kepercayaan stakeholders.Kata kunci : pesantren, stakeholders, tata kelol

    TATA KELOLA PESANTREN: PENERAPAN STRUKTUR ORGANISASI ENTITAS BERORIENTASI NON LABA DI PONDOK PESANTREN KABUPATEN BANDUNG

    Get PDF
    Abstrak: Pondok Pesantren Modern As-Suruur yang terletak di Desa Pameungpeuk – Banjaran, memiliki komponen mutu lulusan, proses pembelajaran, mutu guru dan manajemen sekolah yang dinilai baik sehingga terakreditasi A oleh Badan Akreditasi Nasional/Madrasah (BAN-SM). Sosialisasi tentang penerapan 5 prinsip tata kelola yang baik yaitu transparansi, akuntabilitas, pertanggungjawaban, kemandirian dan kewajaran harus dapat diterapkan di institusi pondok pesantren agar dapat meningkatkan kinerja yang efektif dan efisien. Pelaksanaan tata kelola yang baik dimulai dalam menetapkan struktur organisasi dan individu yang terlibat dalam kepengurusan pondok pesantren. Penjelasan mengenai struktur organisasi dan uraian pekerjaan serta tanggung jawab setiap pengurus harus dapat dijelaskan dengan baik dan transparan. Pembelajaran mengenai perlunya sistematika struktur organisasi yang disesuaikan dengan kebutuhan organisasi menjadi tujuan dari pengabdian masyarakat ini. Setiap individu pengurus dalam struktur organisasi harus dijelaskan di dalam profil kepengurusan dengan memuat nama lengkap, pendidikan serta tanggung jawab pekerjaannya. Penerapan struktur organisasi yang transparan dan jelas menghindari adanya praktik korupsi dan kolusi serta memudahkan pencapaian tujuan pesantren As-Suruur sehingga akan meningkatkan reputasi pesantren. Dari hasil kegiatan pengabdian masyarakat ini menunjukkan bahwa 90,52% peserta setuju bahwa kegiatan ini direspon dengan baik oleh masyarakat sasar. Abstract: The As-Suruur Modern Islamic Boarding School which is located in Desa Pamempeuk– Banjaran, has components of graduate quality, learning process, teacher quality and school management which are considered good so that it is accredited A by the National Accreditation Board/Madrasah (BAN-SM). Dissemination of the application of the 5 principles of good governance namely transparency, accountability, responsibility, independence and fairness must be implemented in Islamic boarding schools in order to improve effective and efficient performance. The implementation of good governance begins with establishing the organizational and individual structures involved in managing Islamic boarding schools. An explanation of the organizational structure and job descriptions as well as the responsibilities of each administrator must be clearly explained and transparent. Learning about the need for a systematic organizational structure that is tailored to the needs of the organization is the goal of this community service. Each individual administrator in the organizational structure must be explained in the management profile, including full name, education and job responsibilities. A transparent and clear organizational structure avoids corruption and collusion practices and facilitates the achievement of the goals of the As-Suruur pesantren so that it will enhance the reputation of the pesantren. The results of this community service activity showed that 90.52% of participants agreed that this activity was well received by the target community. 

    SOSIALISASI LITERASI KEUANGAN DAN INVESTASI BAGI GEN Z

    Get PDF
    Abstrak: Sebagai generasi internet, sudah seharusnya Generasi Z memiliki pengetahuan tentang literasi keuangan dan investasi, dengan begitu mereka akan mampu membuat keputusan keuangan yang baik. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk mensosialisasikan literasi keuangan dan investasi bagi Generasi Z. Kegiatan dilakukan dengan metode sosialisasi, kemudian dilanjutkan dengan diskusi dan tanya jawab serta pengisian kuesiner. Peserta kegiatan merupakan siswa SMK di daerah Sumedang Jawa Barat, dengan jumlah peserta sebanyak 26 orang. Berdasarkan hasil kuesioner diperoleh hasil bahwa masih banyak siswa yang belum pernah mngetahui atau mencari tahu tentang literasi keuangan, dan investasi. Secara keseluruhan sosialisasi ini telah meningkatkan pengetahuan peserta dan 65.38% peserta merasa pengetahuanya sangat bertambah.Abstract: As the internet generation, Generation Z should have knowledge about financial literacy and investment, so they will be able to make good financial decisions. This Community Service activity aims to socialize financial and investment literacy for Generation Z. The training is carried out using the socialization method, followed by discussion and question and answer as well as filling out a questionnaire. The activity participants were SMK students in the Sumedang area, with 26 participants. Based on the results of the questionnaire, it was found that there were still many students who had never known or found out about financial literacy and investment. Overall this socialization has increased the participants' knowledge and 65.38% of the participants felt that their knowledge had greatly increased.

    Productivity Comparison between Conventional and Islamic Commercial Banks in Indonesia during the COVID-19 Pandemic

    Get PDF
    This study was conducted to measure and compare the productivity level between conventional and Islamic commercial banks in Indonesia during the COVID-19 pandemic. The number of samples used in this study was 105 banks consisting of 95 conventional banks and 10 Islamic banks. The level of productivity was measured using the Malmquist Productivity Index (MPI) method and Data Envelopment Analysis (DEA) with an intermediation approach, while the productivity of conventional and Islamic commercial banks was compared using normality and different tests. The results showed that the productivity level of the Islamic banks with a Total Factor Productivity Changes (TFPCH) value of 1.001 was driven by technological advances. Meanwhile, the conventional banks were not productive. On the other hand, the results of the different tests showed that there was no significant difference between the productivity level of the conventional and Islamic banks. Conventional banks must enhance innovations in the use of technology in their operational activities to improve their productivity and maintain their high efficiency achievement. Meanwhile, Islamic banks could improve their efficiency in the operational activities so that they would achieve higher productivity and to innovate continually with the use of technology. During the study observation, there was no study comparing between the productivity level of conventional and Islamic commercial banks during the COVID-19 pandemic in Indonesia. Therefore, this research was the first study to discuss the comparison of productivity level between conventional and Islamic commercial banks in Indonesia during the COVID-19 pandemic

    Pengaruh Intellectual Capital Terhadap Kinerja Keuangan Perusahaan (Studi pada Bank Syariah di Indonesia Periode 2015-2019)

    No full text
    Setiap perusahaan harus peka akan tantangan ataupun peluang dengan meningkatkan keunggulan kompetitif. Untuk meningkatkan keunggulan kompetitif dapat melalui meningkatkan sumber daya perlu juga meningkatkan peran knowladge, yang dapat dijadikan sebagai aset yang vital bagi perusahaan. Salah satu aset yang dimaksud adalah aset tidak berwujud yang dipunyai oleh perusahaan yaitu Intellectual Capital. Jika organisasi tidak membuat perbedaan ilmu pengetahuan dan inovasi, maka akan berimplikasi pada kinerja keuangan. Penelitian ini bertujuan untuk mengetahui Pengaruh Intellectual Capital terhadap Kinerja Keuangan yang diproksikan pada Return on Assets. Penelitian ini menggunakan 11 Bank Umum Syariah. Data diolah dengan metode data panel dan dilakukan penelitian hipotesis simultan dan parsial Hasil penelitian ini menunjukkan bahwa secara simultan bersama-sama berpengaruh terhadap kinerja keuangan perusahaan. Sedangkan secara parsial hanya VACA dan VAHU yang memiliki pengaruh terhadap kinerja keuangan perusahaan.AbstractEvery company must be sensitive to challenges or opportunities by increasing competitive advantage. To increase competitive advantage can from resources, it is also necessary to increase the role of knowledge because it is a vital asset for the company. One of the assets in question is intangible assets owned by the company, that is Intellectual Capital. If science and technology were not applied by the company, then indirectly will have an impact on the financial performance of the company. This research aims to find out the Influence of Intellectual Capital on the Company's Financial Performance which is proxyed with the Return on Asset indicator. This research used samples amounted to 11 Islamic bank. Then, the data obtained was processed by panel data method and hypothetical research was carried out between simultaneous and partial research to be known its relationship. The results obtained from this research showed that simultaneously affect the financial performance of the company. Whereas, partially, only VACA and VAHU had an influence on the company's financial performa
    corecore