Bank Financial Institutions Research Articles

The Role of Corporate Governance and its Significance on the Share Price Movements of Banking Financial Institutions Listed on DSE

The Role of Corporate Governance and its Significance on the Share Price Movements of Banking Financial Institutions Listed on DSE

Edukasi Financial Ilegal Dalam Bentuk Pinjaman Online dan Investasi Online Berdasarkan Penilaian Otoritas Jasa Keuangan (OJK) Pada Koperasi Kelompok Wanita Tani “Melati Jaya” Kelurahan Sukamenanti Baaru Kecamatan Kedaton Kota Bandar Lampung

Currently, Fintech does not only enter Banking Financial Institutions, but also Non-Bank Financial Institutions. This can be seen in Financial Technology products circulating on social media, namely online loans and online investments. This condition actually provides convenience to the community, but there is also a negative impact, namely people who are trapped in online loans and online investments. There are many findings of online loan products and illegal online investments, this creates unrest in the community. Therefore, there is a need for education regarding illegal online loans and illegal online investments in collaboration with the Financial Services Authority (OJK) so that the public, especially mothers, are more careful in choosing to use online loan services and online investment. The method we use in this PkM activity is to provide education to participants regarding illegal online loan products and illegal online investments based on the assessment of the Financial Services Authority (OJK). The purpose of this PkM activity is to provide education regarding illegal online loan products and illegal online investments based on the assessment of the Financial Services Authority (OJK) so that they are more careful in choosing online loan services and online investments. The object of this PkM activity is the Women Farmers Group "Melati Jaya" Sukamenanti Baru Village, Kedaton District, Bandar Lampung City.

Integration of Islamic Social Finance and Commercial Finance to Support Indonesia's Sustainable Development

The purpose of this study is to identify a model of integration between Islamic Social Financial Institutions and Islamic Banks as Commercial Financial Institutions. The integration under consideration is risk management from Islamic Bank financing via the advantages that are organically owned by Islamic Social Finance. The achievement of the ideal model in this research will promote inclusive access to Islamic banking for small debtors. The exploratory descriptive method was employed in this study. The descriptive method was used in this study to systematically describe the hybridization model of Islamic Social Financial Institutions into Islamic Bank risk management. While the exploratory method is used to study, discover, and comprehend the integration process of Islamic social financial institutions in mitigating the risk of financing Islamic banks. The authorities must take several regulatory steps to hybridize Islamic banking financial institutions and Islamic social financial institutions. First, improve the Islamic banking philosophy. Profit-sharing financing Second, enact a separate profit-sharing financing regulation. The authority must issue regulations regarding affirmative action for profit-sharing financing, such as the capital structure of banks and Islamic financial institutions, the Profit Sharing Financing Asset Rating System, issuing rules regarding Rating Agencies (LR), establishing Profit Sharing Financing Guarantee Institutions (LPP-Profit Sharing), and establishing zakat instruments as one of the assessments of bank health. The findings of this study can serve as a model for future researchers and policymakers interested in investigating operational aspects of the integration of social and commercial finance within the context of an inclusive financial strategy.

Insurance Penetration and Interest Rate Nexus in Nigeria; an Autoregressive Distributed Lag Approach

This study investigated the effect of interest rate on insurance penetration in Nigeria. Interest rate is a vital monetary instrument that helps in macroeconomic stability through proper mobilization and distribution of capital. It’s adjustment affects both banking industry as well as the non – banking financial institutions such as the insurance industry. For developing countries like Nigeria with social and economic problems, the issue of risk management and insurance services as related to economic stability is relatively determined by the structural arrangement of the insurance sector and such arrangement is relative to the performance of all economic actors and the overall social environment The study used Auto Regressive Distributed Lag (ARDL) bounds test approach. Data was sourced from the central bank of Nigerian statistical bulletin for the period of 1985 to 2019. The result indicated that an increase in interest rate significantly decrease the rate of insurance penetration in both short run and long run. Other control variables used are exchange rate and inflation rate, and the result for this variables indicates that exchange rate has a significant relationship whereas inflation rate has an insignificant relationship with insurance penetration. The result of the co-integrating equation indicates that every movement into disequilibrium is corrected for within one period at a significant rate. The study therefore suggested that prior to any adjustment in the monetary policies or other economic policy, a detailed investigation should be carried out to ensure a favorable compliance of the short run and long run effect of adjusting such on the macroeconomic indices and insurance penetration.

A Study on the Impact of Financial Technology on Medium, Small and Micro Enterprises in China

This paper focuses on the impact of FinTech on Medium, Small and Micro Enterprises (MSMEs) in China, firstly exploring the application and development of FinTech in China’s credit services for MSMEs, and then focusing on inclusive MSME lending by Chinese banking financial institutions from 2015 to 2021. The paper then analyses the development status and background of BTI. In order to solve the problem of difficult and expensive financing for enterprises, the paper analyzes and summarizes two feasible integration and innovation models: “blockchain + BTI” and “digital economy + BTI”. Finally, by studying the relationship between blockchain technology, cryptocurrency and cross-border payment industry and enterprise operation, the working principle of blockchain technology to enhance the efficiency of cross-border payment is analysed and mapped out based on relevant literature and data.

Strengthening Interest and Riba in Bank Financial Institutions

This research examines and substantially analyzes the problem of riba from a rational perspective, and at the end of this paper offers a profit-sharing system and profit-sharing system as an alternative solution to the interest system in the transaction system in banks (bank financial institutions). Interest in the study of riba has always been a topic that does not experience saturation and is still very hotly discussed in Islamic economics. This can be seen from the discussion of riba which has always colored the discourse of Muslim thought and debates that have barely found common ground. The results of the study display that the debate on thoughts about riba and bank interest shows that the issue of riba is very closely related to muamalah (economy) issues, especially those that occur in Bank financial institutions. The concept of riba turning into interest cannot be separated from the evaluation of the development of these financial institutions.

Impact of Green Credit on Industrial Structure in China

Since the reformation and opening up, the conflict between domestic economic development and environmental pollution has become increasingly obvious, and the structure of industry needs to be adjusted urgently. Based on the strategic background of sustainable development, green credit policy has been proposed to balance the relationship between economic development and environmental protection. Green credit adopts a differentiated credit strategy for highly polluting industries and green and energy-saving industries to support the development of green and environmental industries, forcing highly polluting and high-emission industries to upgrade their technological innovation and reduce energy consumption and pollution emissions. In the demand for green economy, China's green credit has become the main driving force to achieve high-quality development such as ecological, circular and low-carbon development of industries, and green credit has a positive effect on the upgrading of industrial structure. In the process of implementing green credit in China, there are still problems such as time lag in the improvement of industrial efficiency and obvious differences in the promotion effect in different regions, which affect the effect of green credit on the optimization and upgrading of industrial structure. It is recommended to focus green policies on the government and banking financial institutions, increase the government's green financial support, and continuously improve the green credit system of banks.

Efficiency of Teller Service Time at Limited Companies of Bank North Sulawesi and Gorontalo Kotamobagu Branch

This research was conducted at Limited Companies of Bank North Sulawesi and Gorontalo Kotamobagu Branch with the aim of knowing the efficiency of bank teller service time provided to customers. Service is an action that is often carried out by service companies such as banking financial institutions. In the queuing system, consumers will become loyal customers if they feel satisfaction because they don't wait too long, and this will benefit the company concerned. The results of the study obtained that the standard teller time serving one customer was 6 minutes 88 seconds. The number of subscriptions waiting in each queue at the teller counter with normal circumstances is two people while the subscription time waiting in the teller counter queue under normal circumstances is 11 minutes 28 seconds. The length of waiting plus the average service time of each customer in the teller system is 15 minutes must be reduced by adding two tellers so that it becomes four tellers. Thus, a good, fast, and maximum service system can be proven by the standard teller time in serving one customer with an efficient time of 7.5 minutes.

Microeconomic Approaches to Financial Digitalization: A Perspective from the Bank Financial Institution

This study's goal is to offer microeconomic perspectives on financial digitalization from the perspective of a bank financial institution. Industry participants are offering a variety of solutions, many of which are centered on collaboration, while regulation is still considering how to create an even playing field. The study also demonstrates cutting-edge methods and brain research used to spot behavioral trends in financial digitalization decisions and various consumer financial digital channel usage patterns. The researcher has used secondary data analysis. By understanding more about the microeconomic approaches to financial digitalization from the perspective of the bank financial institution, researchers and practitioners can both gain from the findings. It also offers fresh ways to gauge consumer reactions to and adoption of financial digitalization. Academics and businesspeople should consider the conclusion's significant ramifications.

Intellectual Property Rights as The Resource for Creative Economic in Indonesia

Intellectual Property (IP) objects from copyright such as songs and films have economic value that can improve the country’s economy and can even be used as collateral for credit, but the condition is that they must be registered with the ministry of law and human rights. Law No. 24/2019 has not yet regulated in detail the mechanism for granting credit to creative economy actors with intellectual property collateral objects. The research method used here is in the form of a doctrinal approach to laws and regulations. Primary sources are relevant legal regulations related to intellectual property and credit financing, and secondary sources are books and journals. The purpose of this research is to understand credit financing with collateral in the form of songs and films. PP No.24/2022 provides flexibility for creative economy actors to obtain credit financing not only at bank financial institutions but also at non-bank financial institutions. However, the special conditions that are regulated are that the intellectual property has been registered or registered with the ministry that organizes government affairs in the field of law, the intellectual property has been self-managed, and or the rights have been transferred to another party.

Batasan Asas Kebebasan Berkontrak Dalam Kredit Pemilikan Rumah

Home is the need of every human being. However, not everyone can buy a house, considering houses have economic value, which means that the longer they are, the more expensive they are. The solution to this is that there are banking financial institutions that provide credit facilities in the form of Home Ownership Loans (KPR). Agreements in mortgages often place customers and banks in an unequal position, so that the existence of the principle of freedom of contract in housing loans (KPR) is debated. Based on this, it is necessary to conduct further research regarding the limitations of the principle of freedom of contract in housing loans (KPR). Therefore, the researcher formulates a problem formulation regarding how are the limitations of the principle of freedom of contract in housing loans (KPR)? The research method used is normative with library research. The results of the study conclude that in housing loans (KPR), the principle of freedom of contract is not absolute and can be interpreted as freedom as freely as possible. The principle of freedom of contract has limitations regulated in laws and regulations. Regarding Home Ownership Loans (KPR), it still provides a choice of agreement between the parties. If the customer agrees, then they can take it but if they do not agree, the agreement is not necessarily binding on both parties. Therefore, KPR still pays attention to the existence of an agreement between the parties.

Analisis Terhadap Pengaturan Restrukturisasi Dan Implementasinya Dalam Perjanjian Kredit Perbankan Di Masa Pandemi Covid-19

During the Covid-19 pandemic, banking financial service institutions carried out credit restructuring service for affected debtors. However the service arrangement still has challenges in its implementation. The formulation of the problem in this research is how is the analysis for bank credit arrangements during the Covid-19 pandemic and how to implement the credit agreements during the Covid-19 pandemic. This is a normative legal research conducted with a statutory approach and a conceptual approach. The results of the research and discussion indicate that the Credit Restructuring policy during the Covid-19 pandemic was regulated through the Financial Services Authority Regulation Number 17/POJK.03/2021 on the Second Amendment to the Financial Services Authority Regulation Number 11/POJK.03/2020 on National Economic Stimulus as Countercyclical Policy Impact of the Spread of Covid-2019. This regulation does not further regulate the main guidelines for debtors affected by Covid-19 regarding the form of credit restructuring provided by banks to debtors. This poses a distinct challenge for regulators and financial service institutions in implementing the credit restructuring policies. In addition, the credit agreement after the restructuring is made in the form of an addendum called the Offering Letter of Credit. The form of restructuring provided has been determined in such a way as to extend the payment period and reduce the amount to be paid. This resulted in the amount of credit that must be paid as a whole to be greater than before the credit restructuring.

Pengaruh Penerapan Prinsip Pengendalian Terhadap Kinerja Manajerial Dengan Dimediasi Oleh Ambiguitas Peran

The important role of financial services from both bank financial institutions and non-bank financial institutions in supporting economic growth, especially during the Covid-19 Pandemic. This has encouraged the creation of competition between companies in financial institutions, for example the banking industry because they are required to maximize service. The purpose of this study is to analyze whether the application of control principles affects role conflict and role ambiguity which can later affect the performance of middle-level managers in the banking industry listed on the Indonesia Stock Exchange during the Covid-19 Pandemic. The type of research used is descriptive research with a qualitative approach. Respondents in this study were middle managers of the banking industry listed on the Indonesia Stock Exchange located in Banten province. These types of respondents were selected using a purposive sampling technique and data obtained through distributing questionnaires. Testing the validity of the data in this study was by using PLS software version 2.0 with the Outer Model, namely Convergent validity as seen by the square root of average variance extracted (AVE) value. The results of the study show that mediated by role ambiguity, the relationship between the application of control principles and managerial performance can still be directly related. Which means that role ambiguity can be said not to mediate this relationship.

Do Technology Changes Affect The Productivity of The Indonesian Islamic Rural Bank (BPRS)?

The Islamic financial industry in Indonesia is currently a global concern, one of which is bank financial institutions, so measuring productivity is essential for Islamic rural banks (BPRS) in Indonesia. This study tries to analyze the BCC model as a basic model to see the level of productivity in a BPRS using the Malmquist productivity index, both in terms of changes in efficiency and changes in technology. The results obtained from the Malmquist index score or total productivity change (TFPCH) show that, in general, BPRS has experienced a decline in productivity but has increased in the last two years. However, there are six BPRS out of 16 BPRS that get an average score of more than one and show an increase in productivity. The BPRS with the highest productivity level score is PT BPD East Kalimantan and North Kalimantan, and the BPRS with the lowest productivity level score is PT BPD Central Java (UUS). However, East Java still has not reached the optimal level of productivity, with a score of 0.803. Overall, the priority factor that needs to be improved in BPRS is the rate of change in technological innovation. This research shows that BPRS needs to implement digitalization.

The Influence of Credit Risk and Liquidity Risk on Profitability of State-Owned Bank (BUMN)

Bank has an important role. As a financial institution that functions to collect and distribute of funds to the public, banking financial institutions are very vulnerable to risk in carrying out its activities. Therefore, this research aims to examine the influence of credit risk and liquidity of BUMN Bank in 2017:Q1Q4 to 2020:Q1Q4. This research used quantitative data with multiplier linear regression method. The unit of analysis studied consisted of three state owns banks in Indonesia: BRI, Bank Mandiri, and BNI. Periode 2017:Q1Q4 to 2020:Q1Q4. The data is taken form financial reports issued by the Financial Services Authority. The results show that credit risk (NPL) has a negative and insignificant effect on the profitability of state owned banks (ROA) in 2017:Q1Q4 to 2020:Q1Q4. Credit risk (NPL) and liquidity risk (LDR) simultaneously affect the profitability of state owned banks (ROA) in 2017:Q1Q4 to 2020:Q1Q4.

Implementasi Bank Wakaf Mikro Digital Terhadap Peningkatan Produk Pembiayaan Usaha Mikro Kecil Menengah di Indonesia

Digital micro Bank communal financial institution expected can manage the the asset to be giving the benefit in the form of prosperity to people. This research aim to to analyse management of digital micro communal ownership bank which done by the Moslem law financial institution get trust from Kementerian Agama as organizer of money communal ownership in Indonesia so in this time. This Descriptive qualitative research written pursuant to study literasi Conclusion of research is digital micro communal ownership bank financial institution require to optimal of application implementation BWM digital to deliver prosperity and trust of client

Analisis Pertanggungjawaban Hukum Debitur Wanprestasi Terhadap Kreditur Yang Menerapkan Alasan Wabah Covid-19 Sebagai Force Majeure

This research is normative legal research conducted by reviewing and analyzing library materials. This research refers to the legal norms contained in the legislation and court decisions as well as the norms that live and develop in society. In this study, there are regulations issued by the competent government and local and national government policies that impose lockdowns or social distancing, restrictions on entry routes between regions, and ask the whole community to stay at home or work from home (work from home). house) directly hinders the performance of achievements or obligations in a contract agreement, thus causing this to be classified as a state of coercion or force majeure. Based on the results of the study, it can be understood that debtors who default on creditors during the Covid-19 outbreak using force majeure reasons so that they are free from the responsibility to make achievements, there must be elements of force majeure according to Article 1245 of the Civil Code and the debtor is obliged to prove it. With the POJK No. 11/POJK.03/2020 concerning National Economic Stimulus as a Counter-cyclical Policy on the Impact of the Spread of Coronavirus Disease 2019 and POJK No. 14/POJK.05/2020 concerning Counter-cyclical Policy on the Impact of the Spread of Corona Virus Disease 2019 for Non-Bank Financial Services Institutions. This regulation authorizes banking financial institutions or financing institutions to provide “credit relaxation”, in which credit relaxation itself is the granting of concessions related to credit payments amid Covid-19.

Dampak Covid-19 Terhadap Pendapatan Lembaga Keuangan Syariah (Studi Kasus Pada BPRS Adam Kota Bengkulu)

COVID-19 was first discovered in Wuhan, China at the end of December 2019. This virus spread very quickly and has spread to almost all countries, including Indonesia. In just a few months, COVID-19 also had a fairly broad impact on community activities, one of which was the economic impact on banking financial institutions, both conventional and Islamic banks. In this scientific paper, the author describes how the impact caused by COVID-19, how the income growth of Islamic financial institutions at BPRS Adam in the midst of the COVID-19 pandemic and the strategies implemented to overcome the impact of the COVID-19 pandemic. This research uses descriptive qualitative research method. This is due to the freedom to obtain information from the latest news from trusted sources, regarding the impact of COVID-19, the author also obtained several news samples from the internet and then combined them into a result. BPRS assets have decreased compared to the same time before the COVID-19, as seen from the income in 2018 of Rp. 895,076, in 2019 decreased 22.5% or Rp. 390,932 and in 2020 BPRS Adam's income increased by 84.2% or Rp.2,688,888 which was because BPRS Adam had implemented a digital banking strategy
 
 Keywords:Impact of COVID-19, BPRS income, government policy

CUS-RF-Based Credit Card Fraud Detection with Imbalanced Data

With the continuous expansion of the banks' credit card businesses, credit card fraud has become a serious threat to banking financial institutions. So, the automatic and real-time credit card fraud detection is the meaningful research work. Because machine learning has the characteristics of non-linearity, automation, and intelligence, so that credit card fraud detection can improve the detection efficiency and accuracy. In view of this, this paper proposes a credit card fraud detection model based on heterogeneous ensemble, namely CUS-RF (cluster-based under-sampling boosting and random forest), based on clustering under-sampling and random forest algorithm. CUS-RF-based credit card fraud detection model has the following advantages. Firstly, the CUS-RF model can better overcome the issue of data imbalance. Secondly, based on the idea of heterogeneous ensemble learning, the clustering under-sampling method and random forest model are fused to achieve a better performance for credit card fraud detection. Finally, through the verification of real credit card fraud dataset, the CUS-RF model proposed in this paper has achieved better performance in credit card fraud detection compared with the benchmark model.

Analisis Kebutuhan Pengguna Lulusan Program Studi Perbankan Syariah Di Kabupaten Rejang Lebong

This study aims to reveal in what positions graduates of the Islamic banking study program are placed. The needs of graduates of the Islamic banking study program are what users want, and where do graduates of the Islamic banking study program work? Until the end of 2018, the Islamic banking study program had completed 542 graduates. This research is field research that uses a qualitative descriptive analysis approach. The subjects of this research are alumni of Islamic banking study programs, both those who work in government, private and entrepreneurial institutions. Alumni users, both from schools and government and private institutions. The determination of research subjects as respondents is by incidental techniques combined with snowball techniques. The research was conducted in the Rejang Lebong Regency. The main data sources are Islamic banking alumni and graduate users. The research succeeded in revealing that (1) Islamic banking graduates work in bank financial institutions, non-banks, and other non-financial economic institutions. (2) The needs of stakeholders for graduates of the Islamic banking study program are still classified as very potential. (3) The position of Islamic banking alumni is still very general, such as administrative staff, cashiers, customer service, tellers, operators, and other temporary employees. It's just that of the many respondents, some have quite prestigious positions, namely lecturers, cooperation and capital analysts, BMT managers, and other positions that are almost similar to him