Model Prediksi Kepailitan Bank Berdasarkan Risk Profile: Bank Umum di Indonesia

Penelitian ini bertujuan untuk membangun suatu model sistim peringatan dini yang dapat digunakan untuk memprediksi kepailitan bank dengan menggunakan indikator variabel-variabel dominan dari Risk Profile yang berpedoman pada Peraturan Bank Indonesia (PBI) No.13/1/PBI/2011. Indikator Risk Profile dalam penelitian ini adalah Risiko Kredit, Risiko Pasar, Risiko Likuiditas dan Risiko Operasional. Sampel penelitian ini adalah 74 bank di Indonesia untuk tahun 2005 – 2014 terdiri dari 13 bank bermasalah/pailit dan 61 bank tidak pailit. Model hubungan antara variabelnya mengikuti pola regresi logistic. Hasil penelitian menunjukkan bahwa credit risk, market risk, liquidity risk dan operasional risk secara simultan berpengaruh terhadap kepailitan Bank. Temuan penelitian ini menunjukkan bahwa indikator-indikator Risk secara simultan mampu memprediksi kepailitan bank di Indonesi

MENUJU KEBEBASAN FINANCIAL MELALUI PASAR MODAL DI INDONESIA

The type of this study is library research. The capital market is an institution which has the function to transfer long-term fund from people with surplus fund to those deficit fund. In Indonesia, namely Bursa Efek Indonesia (BEI). The principle of capital market instruments are all securities which can be traded in capital market. Capital market instruments in Indonesia include stock, bonds, right-issue, warrant, mutual fund, and future

Importance of Break-Even Analysis for the Micro, Small and Medium Enterprises

The current behaviour of Small and Medium Enterprises has to face many problems and the survey are predicted, 47 per cent of Small and Medium Enterprises stop trying. One of the causes is that there are still many small and medium businesses, from the beginning of opening their business up to now, they have never carried out an analysis of profit and loss calculations and a comprehensive calculation of how many product units should be made so that the business returns on capital by looking at production factors or resources used. “Break-even analysis is a financial tool that helps decide at what stage a company, or new service or product, will be profitable, which is a financial calculation to decide the number of products or services that a company must sell to cover its costs (especially fixed costs). This research paper is the application of the theoretical concepts of CVP Analysis, Break-Even Point a powerful tool for planning and decision making”. highlight costs, quantities sold and prices, which are the company's financial information

Analisis Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Return On Asset (ROA) dan Net Interest Margin (NIM) terhadap Loan to Deposit Ratio (LDR) pada Industri Perbankan

The literature study was conducted based on the analysis and review some previous research suggesting that the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), BOPO, Return on Assets (ROA), and net interest margin (NIM) are variables that affects the level of liquidity Loan to Deposit Ratio (LDR) in the banking industry. Capital Adequacy Ratio (CAR) does not affect the loan to deposit ratio (LDR) due to the increasing value of CAR, suggesting the higher the level of liquidity of the bank, so the bank's capital structure is getting stronger. Non Performing Loan (NPL) does not affect the loan to deposit ratio (LDR). Small value of NPL will not interfere the liquidity of the bank, so the NPL does not give effect to the LDR. ROA does not affect the loan to deposit ratio (LDR). BOPO diminishing value indicates that the bank has been operating very efficiently so that ROA can be suppressed. The decline in ROA does not affect the value of the LDR. Return on Assets (ROA) affects the Loan to Deposit Ratio (LDR). Net Interest Margin (NIM) affect the Loan to Deposit Ratio (LDR). The greater the ratio the more increasing the interest income on earning assets managed by the bank so that the possibility of banks in troubled condition has a smaller relation to liquidity

PENILAIAN TINGKAT KESEHATAN BANK VERSI CAMEL, CAMELS DAN RGEC

Soundness of banks based on CAMELS, had been effective in providing an overview of the bank but need to be refined according to the complexity of the bank's business development and meet the increasingly high expectations of stakeholders. Bank Indonesia Regulation No. 13/24/PBI/2011menyatakan that the scoring system health analysis of CAMELS bank converted into RGEC (Risk profile, Good corporate governance, Earnings, and Capital), as well as replace Bank Indonesia Regulation Number 6/10/PBI/2004. PBI is a new, classified assessment factors to just four factors: the risk profile or risk profile (R), 8 types of risk yaitun include (a) credit risk, (b) market risk, (c) liquidity risk, (d) operating risks , (e) legal risks, (f) strategic risk, (g) compliance risk, and (h) the reputation risk. Asset quality factor (A), liquidity (L), and sensitivity to market risk (s) on the CAMELS system merges into the risk profile factors (R); Good Corporate Governance (GCG) (G); Profitability or Earnings (E) and Capital or Capital. (C

BLUE OCEAN vs RED OCEAN

To have its own blue ocean, company must be managed not in ordinary way. For example, it should not only focus on tis current customers but also on potential customers and change them to customers. Kim dan Mauborgne (2005) introduce four processes that company must do to have its own blue ocean. The processes include developing benefits for customers (why consumers buy), building strategic price, finding strategic cost, and adopting the strategy in organization. This paper introduce siimple idea to build blue ocean strategy in compan