Loan loss reserves and bank stock returns: Evidence from Asian banks

This study examines the effects of the loan-loss-reserves-to-gross-loans ratio, a proxy for credit risk, on bank stock returns for a sample of 42 listed Asian banks during the period 1999-2007. By applying a panel data analysis that includes a control for market returns, book-to-market ratio, size, and country-specific factors, the results show that the ratio has a negative and significant influence on bank stock returns. Overall, the results suggest that credit risk remains a major threat to Asian banks. In addition, while loan loss reserves are needed for mitigating credit risk, investors do not consider them as good news or a credible signal concerning bank intentions to resolve problem loans

Loan loss provisions and lending behaviour of banks: Asian evidence during 1992-2009

Effects of loan loss provisioning on lending behaviour of banks remain a major concern in policy circles in order to strengthen both bank stability and financial intermediation. A sample of 686 commercial banks in Asian countries over the 1992 - 2009 period is used to identify factors contributing to the occurrence of a procyclical effect of loan loss provisions on loan growth. Our empirical results highlight that non-discretionary provisions have a procyclical effect, as higher non-discretionary provisions reduce loan growth of banks. This procyclical effect holds for large banks but not small banks. A closer investigation shows that bank market structure, economic development and institutional quality also affect the link between non-discretionary provisions and loan growth of banks. More specifically, higher bank competition, higher per capita income and higher rule of law mitigate the procyclical effect of non-discretionary provisions on loan growth regardless of whether banks are large or small. These findings have policy implications concerning the adoption of the dynamic provisioning system for Asian banks

Penerapan Metode Penemuan Terbimbing pada Pembelajaran Matematika Siswa SMP

This study aims to determine the completeness of the results of learning mathematics Class VIII SMP Negeri 8 Lubuklinggau. Having applied guided discovery method. The research method used in this research is a quasi experiment with population class VIII 191 students and as a sample is class VIII F 32 students are taken at random. Data collecting is done by the test technique in the form of essay.Data problem is analyzed using t-test . Based on the results of data analysis on tarap belief α = 0.05 can be concluded that the results of students studying class VIII SMP Negeri 8 Lubuklinggau Academic Year 2016/2017 after the average value of the final test of 81.27 and the percentage of complete students reached 82.14% Keywords: Guided Discovery, Learning Outcomes, Mathematic

Strategi Pengembangan Bisnis pada Bisnis Pariwisata

Indonesia is an archipelagic nation which has a diverse tourist destination is quite interesting, whether it be of attractions, culinary, arts, cultural and natural charm. With so many places of this tourist destination, it can be developed into a promising business. By utilizing the marketing mix, namely Product, Price, Place, Promotion, People, Process and Physical evidence. Of the marketing mix can then be mapped to the matrix Ansoff for getting products that can be used as a business development strategy of tourism. This research was conducted with qualitative methods, namely by conducting interviews and observations to the tourism industry players. The results showed that the best business strategy is to do Product Diversification, ie change of market share by doing in combination with product changes. Another alternative is with the Market Penetration, Product Development or Market Development. With this strategy, is expected to obtain a good product at an affordable price by consumers. As well as increase the number of tourist arrivals in the regions in Indonesia. Moreover, it can empower all of the resources that are around attractions, both in terms of human resources and facilities

Bisnis Model Strategi Pengembangan Bisnis Jasa Pengiriman: Studi pada Perusahaan Jasa Pengiriman di Jakarta

The purpose of this research is to determine business model strategy of a company in the future, how does a company offers more to customers and maintain customers and everything related with business development. Business development is something required to be done by every company in order to be able to compete. This matter also happens in delivery service business. Delivery service business in Indonesia is very popular in Indonesia, wherein online delivery service business develops continuously, so delivery services also increase. But, this development must be followed by business model development, so the result will be satisfying for delivery service companies, especially in Jakarta. Research result shows that the best strategy is market penetration. Some alternatives that can be done are by enhancing resources by alliancy and coopetition, creating a competitive price scheme by mapping the cost from partner to obtain the best price, and also by doing promotion through several medias owned by the company, by ATL or BTL with the main purpose to increase selling

Analisis Tingkat Kebutuhan Air Bersih Wilayah Perkotaan Kota Wangi-wangi Kabupaten Wakatobi

Tujuan penelitian ini untuk mengetahui Tingkat Kebutuhan Air Bersih Wilayah Perkotaan Kota Wangi-Wangi Kabupaten Wakatobi. Hasil penelitian menunjukan bahwa kebutuhan air bersih daerah pelayanan Kota Wangi-Wangi Kabupaten Wakatobi tahun 2028 menurut jumlah penduduk sebesar 31,82 liter/detik, Kebutuhan air bersih menurut prediksi masing-masing jenis pelanggan adalah 15,48 liter/detik. Kekurangan debit pompa produksi yang dibutuhkan untuk memenuhi kebutuhan air bersih wilayah Kota Wangi-Wangi Kabupaten Wakatobi pada  tahun 2028 adalah sebesar 2,48 liter/detik

Rancang Bangun Naskah Lontar sebagai Seni Pertunjukan untuk Sastra Pariwisata

Keberadaan naskah kuno dalam bentuk naskah lontar belum dijadikan sebagai bahan pengembangan pariwisata secara komprehensif. Hal tersebut tampak pada beberapa kegiatan pariwisata budaya yang masih kurang pemanfaatan naskah kuno khususnya naskah lontar. Dengan demikian, tulisan ini membahas tentang naskah lontar Lombok dari sisi rancang bangun sebagai seni pertunjukan untuk sastra pariwisata. Penelitian ini dilakukan di Lombok Tengah dengan dialek meriaq meriku, yaitu wilayah Pujut dan wilayah Bonjeruk (Jonggat) karena kedua daerah tersebut memiliki kebudayaan yang sama. Penelitian ini bersifat kualitatif dengan pendekatan etnografi dengan teknik wawancara yang ditujukan kepada tokoh adat dan budayawan. Data penelitian ini ialah deskrispsi naskah dan klasifikasi naskah berdasarkan tema yang profan dan sakral serta deskripsi mengenai rancang bangun naskah sebagai seni pertunjukan. Hasil penelitian menunjukkan terdapat 12 naskah (lontar) yang populer, yaitu Rengganis, Labang Kare, Madang Sekar, Bang Bari, Joharsah, Kayat Nabi, dan Junglengge yang diklasifikasikan sebagai naskah yang bersifat profan dan Indar Jaye, Jati Suare, Prudak Sine, Markum, dan Puspe Kerma sebagai naskah yang bersifat sakral. Naskah yang bersifat profan tersebut disusun dalam konsep rancang bangun seni pertunjukan dalam bentuk pertunjukan teater dengan mengambil cerita dari naskah lontar atau festival memaos naskah lontar. Konsep rancang bangun seni pertunjukan tersebut disusun menggunakan empat A, yaitu atraksi yang merujuk kepada atraksi atau kegiatan seni pertunjukan teaterdan memaos (membaca) naskah lontar, aksesibilitas yang merujuk kepada akomodasi dan cara operasional dari atraksi tersebut, amenitias yang merujuk kepada konsep pembentukan rasa kesenangan dan Kenyamanan dalam konteks wisata dan layanan tambahan berupa kegiatan atau hal-hal kecil yang mendukung kegiatan atraksi sebagai komponen utama. Rancang bangun tersebut harus dilakukan dengan perencanaan dan penyusunan yang komprehensif agar SDA dan SDM bisa dimanfaatkan dengan baik menuju sastra untuk pariwisata budaya berkelanjutan