72 research outputs found
Predicting Credit Risks Using Sustainability Criteria into Credit Risk Management
No full textMany researchers have reported that there is a correlation between a company's environmental performances with its financial performance. The role of criteria pertaining to sustainability and environmental orientation could play important roles in credit risk management process. The sustainability criteria can be used to predict financial performance of a debtor and, thus, improve predictive ability of a credit rating process. This article tests the relationship by using three sustainability measures as independent variables and traditional rating as dependent variable in a stepwise regression model. The result shows improvement in prediction. However, the use of additional criteria will increase cost in the prediction process. Further cost-benefit analysis related to the addition of those criteria would be valuable for credit risk management practices
Model Antisipatif Manajemen Risiko Risiko Kredit Pengaruh Variabel Kontijensi Terhadap Sistem Manajemen Risiko Kredit
No full textDampak krisis perbankan tahun 1997 sebagai akibat dari minimnya pedoman dan standar manajemen risiko kredit yang digunakan perbankan Indonesi
MEMBANGUN JIWA KEWIRAUSAHAAN (ENTREPRENEURSHIP) MENJADI MAHASISWA PENGUSAHA (ENTREPRENEUR STUDENT) SEBAGAI MODAL UNTUK MENJADI PELAKU USAHA BARU
No full textPertumbuhan ekonomi suatu negara pada dasarnya tidak terlepas dari meningkatnya jumlah penduduk yang berjiwa wirausaha (entrepreneur). Kurangnya jumlah masyarakat yang memiliki jiwa wirausaha di Indonesia, antara lain disebabkan oleh kurangnya pengetahuan tentang kewirausahaan, etos kerja yang kurang menghargai kerja keras, cepat puas dengan hasil kerja dan pengaruh penjajahan yang terlalu lama serta kondisi ekonomi yang belum membaik
RISK MANAGEMENT IN BANKING A PROCESS AND ANALYSIS INTEREST RATE MANAGEMENT
No full textThe Asian financial crisis is yet to run its full course, but is already one of the largest crises in the post-war era. It severely affected the performance of the region and created an economic downturn that impacted on financial institutions worldwide
Banking Improvement Performance Analysis Through Strategy Map And Business Process Map: Financial And Non Financial Perspectives Approach
No full textThis study aims to determine the banks performance to realize the vision and mission through a strategy map and business process map, which describe through financial and non financial perspectives, in the non financial perspective, i.e. customer perspective, internal business process perspective, growth and development perspective. The data used in this research is the primary data and secondary data. Analysis carried out shows the results of that in states bank i.e. Bank Negara Indonesia (Persero) Tbk, Bank Rakyat Indonesia (Persero) Tbk, Bank Tabungan Negara (Persero) and Bank Mandiri (Persero) Tbk viewed from the perspective financial year period 2004-2008 for the liquidity ratio is a decreasing and increasing, decreasing solvency ratio viewed from the period 2007 primary ratio 9.022% and CAR of 13.67%, the ratio of profitability also increasing and decreasing, the ratio of business efficiency and also decreases improvement. Analysis for the customer perspective, the process of innovation, growth and learning showed satisfactory results from the states bank. Conclusions from the analysis results showed the states bank that has achieve vision and mission through the perspective of both financial and non-financial perspective satisfactory. Approach to strategy map and business process map shows that the productivity performance of the states bank has been running very well
Interpersonal Communication between Teachers and Students through Science Practicum Activities in Increasing the Learning Motivation of Public High School Students in Depok City during the COVID-19 Pandemic
Get PDFThe Depok City Government is an area that decided to implement teaching and learning activities with an online learning system to break the chain of covid-19 spread. During the Covid-19 pandemic, we use innovative online learning media, especially science subjects, to increase student learning motivation while studying at home. Science practicum activities are one of media that can help students' understanding, for this reason, the creativity of science teachers is needed to continue to carry out simple practicum activities at home. The purpose of this study is to find out and analyze interpersonal communication between teachers and students through science practicum activities in increasing the learning motivation of state high school students in Depok City during the Covid-19 pandemic. The research method used is descriptive qualitative, using the Paradigm of Constructivism, the theory of interpersonal communication used is the Theory of S-O-R (Stimulus-Organism-Response) and the Theory of Symbolic Interactionism. Data collection is carried out through documentation, interviews, observation, and triangulation. The results showed that interpersonal communication between teachers and students through science practicum activities was very good, thus increasing the learning motivation of high school students in Depok City during the Covid-19 pandemic. Researchers hope that this research can be developed again better by developing theories and other research methods related to interpersonal communication
The Level of Efficiency of Islamic Rural Banks in Java 2014-2017 Using Slacks-Based Data Envelopment Analysis
No full textThe purpose of the study is to evaluate the efficiency of Islamic rural banks in Java by looking at the factors that could influence it year 2014-2017. This research is quantitative using a non-parametric and non-radial based Data Envelopment Analysis method with an intermediation approach to evaluate efficiency. The object of this study is 72 Islamic rural banks in Java. The results indicates that the level of efficiency of Islamic rural banks in Java was still low
ANALISIS PENERAPAN FINANCIAL LEVERAGE TERHADAP PENINGKATAN EARNING PER SHARE
No full textAnalisis financial leverage menjelaskan tentang bagaimana pembelanjaan dana dapat dilakukan agar memberikan efek yang menguntungkan terhadap laba per lembar saham (EPS). Metode yang digunakan adalah indifference point (titik kesamaan) titik dimana EBIT dapat menghasilkan EPS yang sama pada berbagai alternatif pembelanjaan dan metode ini juga dapat menentukkan bagaimana sebaiknya pemenuhan kebutuhan modal diperoleh. Adapun tujuan penulis dalam penelitian ilmiah ini adalah untuk mengetahui seberapa besar Earning Per Share (EPS) yang akan digunakan dan untuk mengetahui peningkatan Earning Per Share melalui analisis financial leverage jika tingkat Earning Before Interest and Tax (EBIT) berubah? Dan untuk mengetahui penelitian yang dilakukan oleh penulis bahwa perhitungan earning per share (EPS) yang dihasilkan relatif stabil yaitu sebesar 2.5/lbr saham dan analisis financial leverage dengan menggunakan metode indifference point menunjukkan perubahan laba per lembar saham atau Earning Per Share (EPS) sebagai akibat perubahan Earning Before Interest and Tax (EBIT) pada PT. Indofood Sukses Makmur Tbk. Earning per share yang dihasilkan relatif stabil yaitu sebesar 2.5/lbr saham, artinya income effect/pendapatan dari berbagai perimbangan (mix) dan berbagai alternatif pembelanjaan terhadap pendapatan pemegang saham sama atau dinamakan dengan “indifference point”. Analisis financial leverage menunjukkan perubahan laba per lembar saham atau earning per share sebagai akibat perubahan earning before interest and tax dan memiliki kecenderungan menurun yang tidak signifikan terjadi tahun 2005, terlihat dari turunnya earning before interest and tax perusahaan pada PT. Indofood Sukses Makmur Tbk
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PERMINTAAN KONSUMSI MINYAK TANAH RUMAH TANGGA (STUDI KASUS KONSUMEN MINYAK TANAH RUMAH TANGGA DI KECAMATAN SUKMAJAYA, DEPOK)
No full textBahan bakar minyak (BBM) merupakan bagian terbesar dari sumber energi yang dapat digunakan dalam produksi barang dan jasa. Di dalam negeri BBM digunakan sebagai sumber energi untuk kebutuhan konsumsi, baik untuk sektor industri, transportasi, konsumsi rumah tangga maupun sumber energi untuk pembangkit tenaga listrik
THE INFLUENCE OF CAPITAL ADEQUACY RATIO, RETURN ON ASSET AND LOAN TO DEPOSIT RATIO TO DEPOSIT TWELVE MONTH BANK PERSERO IN INDONESIA
No full textOne of bank product use for collected money from people with rate of return is time deposit, term one month, three months, six months, twelve months and two years
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