Bina Ekonomi
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STUDI PERBANDINGAN TINGKAT EFISIENSI BANK DOMESTIK DAN BANK ASING DI INDONESIA
Get PDFGlobal Crisis which occurred in 2008 will become a serious threat for banking industry in all over the world including Indonesia- Although nowadays banking performance is quite good, but there is tight competition between banks in lndonesia especially after foreign investors start to enter banking industry in lndonesia. A bank will be able to holdout in global crisis and face competition among banks, if it can operate efficiently. Efficient Bank can produce optimal output from a given set of input through its operation, so bank function as financial intermediary run well. According to Intermediary approach, a financial institution is viewed as mediator whereas bank borrow fund from Investors and lend it to customers. How important competition and efficiency issues makes the writer to do research about the comparison of efficiency level between Local and Foreign Bank in lndonesia. Efficiency is the ratio of output and input. This study use Descriptive Analysis Method with time-series and cross sectional study approach. Data is taken from Annual Financial Reports of fd banks for the period 2003 - 2007 which consists of I Local Banks and 8 Foreign Banks in lndonesia. The variables used are Credit, Interest Income, and Other Operational Income as output variables and Third parties fund, Interest Expense, Other Operational expense as input variables. This study use Data Envelopment Analysis (DEA) with DEAP2.1 to calculate the efficiency level for each bank. This study analyze how is the comparison of efficiency level between Local and Foreign Banks in lndonesia for period 2003-2007, and what factors to be increased by the banks which are inefficient. The result with DEA shows that Local Banks and Foreign Banks have operated quite efficiently, There are 3 local banks and 4 foreign banks which are efficient (efficiency level = 1 .0000)and the others have the efficiency level between 0.80 - 0.95. Local Banks is good at Credit and Interest Income Factors; meanwhile Foreign Banks is good at Other lncome Factor. The other factors are not quite different between Local and Foreign Banks
COMPARING THE LINE CROSSING FEATURE APPROACH WITH THE GRAPH APPROACH FOR INVOICE AUTOMATION
Get PDFDi dalam dunia bisnis, invoice merupakan salah satu dokumen penting yang erat kaitannya dengan aktivitas penjualan dan pembelian di dalam suatu perusahaan. Setiap invoice yang diperoleh oleh suatu perusahaan akan menjadi sumber informasi atas berapa besarnya hutang atau piutang yang dimiliki oleh suatu perusahaan. Ketika jumlah transaksi di dalam suatu perusahaan masih tidak terlalu banyak, pencatatan invoice ke dalam database perusahaan secara manual masih dimungkinkan. Mengingat bahwa jumlah transaksi di dalam suatu perusahaan dapat menjadi besar, suatu metode untuk melakukan pencatatan invoice secara otomatis dapat membantu proses pencatatan data ke dalam database perusahaan agar menjadi lebih efisien. Dua pendekatan pencatatan invoice secara otomatis yang akan dibandingkan di dalam karya ilmiah ini adalah Line Crossing Feature Approach dan Graph Approach. Berdasarkan perbandingan atas kelebihan dan kekurangan masing-masing pendekatan, Graph Approach secara pribadi dapat dinilai sebagai sebagai pendekatan yang lebih tepat untuk pencatatan invoice secara otomatis karena fleksibilitasnya dalam mengenali berbagai jenis dokumen.Kata kunci: invoice, information extraction, Line Crossing Feature Approach, Graph Approach, INFORMys metho
INDUSTRI MOBIL NASIONAL : PERSPEKTIF BERLIAN PORTER
Get PDFOur national industry today does not have a basis yet for competitive advantage. Since the beginning of the aircraft industry (IPTN) decades ago up to the present, our country has not had yet the competitive advantage in one particular industry that can compete in a global trade. “Kiat Esemka” seems to encourage the emergence of national automobile industry. This also prove that our nation in this Creative Era (an era that emphasize creativity as a primary source) has the potential to compete with other countries. Although there is no prove yet as to whether we have the diamond in our country for competing successfully in automotive industry, or further to have the unique competitive advantage. However, the opportunity to have some competitive industries is open widely.Key words : national industry, competitive advantage
ANALISIS ALIRAN INVESTASI DAN PERDAGANGAN PARIWISATA INDONESIA
Get PDFTourism is one of the most significant contributors to the construction sector in Indonesia, with the contribution around 13.9 percent of the total GDP in 2012. In connection with the government\u27s efforts in improving the contribution of tourism in an effort to boost economic growth while improving the welfare of society, then the increase in tourism investment as focus in the development program, the goal for the activities can provide added value as well as lead to increased production that will be produced. If it is known that the average investment for the tourism sector is Rp. 2.73 billion during the period 2006-2012. This figure also shows that the contribution of tourism investment to total investment amounted to only 6 percent (Kemenpraf, 2012), in other words, an investment in the tourism sector has not been able to provide optimal contribution to the national economy development. Based on the fact that some of the problems arising from the government\u27s efforts to boost trade and investment in the tourism sector continues to be done. The determinant factors of the amount of investment and trade from the Indonesian tourism and other countries to be considered and used as the basis of decision-making reference. Similarly, the amount of trade and investment flows to and from outside the State, are also worthy of consideration. To answer the problems, we use the gravity model as methodology and construvt the model of investment and trade of flows which consists of 5 models: the model of the flow of Indonesian tourism investment, exports of goods and services models Indonesian tourism, imports of goods and services model of tourism in Indonesia, Indonesian tourism demand flow model, and the model Indonesian tourism supply. Based on the results of the analysis using the five models were obtained magnitude of investment inflows to Indonesia influenced by the population of the country of origin of tourists and mileage of the country of origin of foreign tourists to Indonesia, where the influence of explanatory variables endogenous variables as a whole is at 0:42 at a significance level of 95 percent. The magnitude of the flow of goods and services exports of Indonesian tourism is affected by the distance variable, price of Indonesian tourism in the country of origin of tourists, exchange rate against foreign currencies origin of tourists, population, tourism and exports of the previous year are variables that significantly affect the confidence level of 95 percent, the magnitude of the effect was 92.7 percent and this shows considerable influence.In the model the flow of goods and services for Indonesian tourism, we use a variable distance, Indonesian GDP, the exchange rate, the price of Indonesian tourism in the countries of origin of tourists and imports of goods and services in the Indonesian tourism previously an influential variable significantly (at 90 percent confidence level), and in general of the statistical results obtained by the relationship between the value of imports of goods and services to the Indonesian tourism is the independent variable by 96 percent. In the model flow of Indonesian tourism demand, the estimation results indicate that the tourism demand variable by independent variables Indonesian GDP, GDP of the country of origin of tourists, tourism for Indonesia, Tourism for the competing countries of ASEAN countries, and tourism consumption by foreign tourists in Indonesia as significant variables in the real level of 0:05 with the magnitude of the effect is at 93.2 percent. Statistically, the result also define there is relationship between magnitude supply of Indonesian tourism deals with variable-GDP Indonesia, Indonesian tourism price, exchange rate, domestic consumption, and consumption in other countries as variables significant (at significance level 0.05) effect on variable deals with the influence of Indonesian tourism amounted to 95.6 percent and the remaining 4.4 percent are influenced by other factors outside of the study such as inflation, interest rates, and investment tourism
PENGARUH KETEPATAN PELAPORAN LAPORAN KEUANGAN, OPINI AUDIT, PERGANTIAN KANTOR AKUNTAN PUBLIK, DAN REPUTASI KANTOR AKUNTAN PUBLIK TERHADAP REAKSI INVESTOR
Get PDFInvestor reaction is a form of market response to information contained in an announcement issued or published. If information contains some information, then the market will respond or react quickly when the information is posted. Investors as parties are not know information about the situation in the company, investors will consider the information issued by the company as a signal used for financial decision making. This study aims to determine the effect of the accuracy of reporting financial statements, the audit opinion, the turn of the public accounting firm, and the reputation of the Public Accounting Firm of the reaction of investors to the issuer Kompas 100 2010-2012. This study is classified as descriptive research verification of causality. The population in this study is a listed company in Kompas index 100 in 2010-2012. By using purposive sampling, the samples used in this study amounted to 40 companies. The data used in this study is secondary data. The method of data analysis used panel data regression analysis. The results of this study are simultaneously, there is significant influence between the accuracy of reporting financial statements, the audit opinion, the turn of the public accounting firm, and the reputation of the Public Accounting Firm of the reaction of investors. It can be concluded that the public accounting firm\u27s reputation has a significant influence on the reaction of investors, while the reporting accuracy of the financial statements, the audit opinion, and turn public accounting firm did not have a significant effect on investor reaction
Pemberdayaan Karyawan Sebagai Salah Satu Cara Meningkatkan Kinerja Perusahaan
No full textEmployees are internal customers for the company. By looking at the salary and fringe benefits accepted by the employees, there are only few companies that could satisfy these internal customers. Another way to increase employee\u27s satisfaction is to implement an employee empowerment program, which means involvement of the employees in every step of the production process, including the delegation of decision making and responsibility. This paper will attempt to provide an adequate description of employee empowerment program and its benefits in increasing employees\u27 motivation and working spirit. Furthermore, employee empowerment will also increase the effectivity of the company as well as improve the customer services. In implementing employee empowerment, the company has to create a conducive internal atmosphere, namely: trust and open management
CULTURAL FACTOR IN THE ENVIRONMENTAL IMPACT ASSESSMENT PROCESS
Get PDFAnalisis mengenai Dampak Lingkungan (AMDAL) atau Environmental impact Assessment (EIA) merupakan salah satu cara menganalisis proyek pembangunan sebelum dilaksanakan, untuk mengetahui apakah proyek tersebut berpotensi merusak lingkungan. Dalam pelaksanannya, studi AMDAL sering tereduksi artinya menjadi analisis dan sisi lingkungan secara fisik, sementara itu factor social dan budaya masyarakat di lokasi proyek acapkali terabaikan. Makalah ini akan menyoroti tentang perlunya studi AMDAL memasukkan unsur budaya setempat sering disebut sebagai analisis dampak social atau Socail Impact Assessment (SIA) untuk mengurangi dan bahkan menghilangkan dampak yang mungkin timbul dari pembangunan suatu proyek, yang pada gilirannya dapat menghindari kerugian finansial yang mungkin timbul. Beberapa kasus akan dibahas sebagai contoh
FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN BENSIN SUPER tt: STUDI KASUS DI DKI JAKARTA (PERIODE APRIL 1997 - DESEMBER 1999)
Get PDFThe main source of air pollution in DKI Jakarta came from gas emission of vehicles. One of the pollutants which came from exhaust motorized vehicle is lead (Pb) which contributes to the biggest lead pollution in the air. Lead (Pb) is known as a harmful pollutant this paper will focus on the factors influence unleaded gasoline sales, well known as the "Super TT" in Jakarta between April 1997 and December 1999. The result shows that the demand of Super TT is significantly influenced by the price of Premium gasoline and Premix gasoline, meanwhile the impact of Super TT price to the volume of Super TT sale is not significant, although the demand of Super TT is elastic. In addition, Super TT and Premium would be considered as a substitution good, meanwhile Super TT and Premix is categorized as a complementary good
MUNGKINKAH BUDAYA ORGANISASI BERUBAH?
Get PDFThe organization’s culture develops from its leadership, but also. The culture of an organization en affect the development of its leadership. Effective organizations require both tactical and strategic thinking as well as culture building by its leaders. Strategic thinking helps to create and build vision. The culture is the setting within which the vision take hold. At last, the vision may also determine the characteristic of the organization’s culture
PERGESERAN PERAN DEPARTEMEN FINANCE DALAM ORGANISASI PADA TAHUN 2010
Get PDFThe rapid development of IT has removed many of the tasks which traditionally defined the finance department. Manual ledgers disappeared many years ago. Manual transaction processing is going the same way, replaced by electronic commerce. The need for financial knowledge is no longer restricted to finance. There is much greater awareness of the financial implications of decisions throughout organizations. It is a necessary part of business. Equally, business knowledge is more highly valued than technical accounting expertise. Much of the traditional finance department is moving out into the business, which means that the finance director is losing much of his or her traditional domain. Finance directors that see it as an opportunity are more likely to prosper