Banking World Research Articles

PENGARUH GOOD CORPORATE GOVERNANCE DAN STRATEGI BERSAING TERHADAP KINERJA KEBERLANJUTAN PERBANKAN

Global economic conditions that are full of uncertainty mean that companies must have good governance and business strategies in order to survive. This is also an important issue for the banking world. Banking is a business that prioritizes public service and trust. But the case of the bank scandal that broke out resulted in public distrust of the credibility of banks. Bank credibilty greatly affects the sustainabilty of banking. The population used is banking company listed on the Indonesia Stock Exchange year 2015-2019 with a total sample of 200 samples. This study uses multiple linear regression analysis. The purpose of this study is testing the bank credibility by analyzing the influence of good corporate governance and competitive strategy on sustainability performance using a balanced scorecard consisting of financial performance, customer performance, internal business process performance, learning and growth performance, social and environmental performance. The difference in this study compared to previous studies is to use a balanced scorecard to assess the sustainability of banking by adding social and environmental aspects. The result of this study are GCG has a positive effect on financial performance, internal business process performance, growth and learning performance. GCG has no positive effect on customer performance, social and environmental performance. Differentiation has a positive effect on financial performance, internal business process performance, growth and learning performance, social and environmental performance. Differentiation does not affect customer performance.

Coordination System Between Financial Services Authorities And Deposit Guarantee Insittutions In Handling Failed Banks Based On Law Number 21 Year 2011 Concerning Financial Services Authorities

The occurrence of the monetary crisis in 1997-1998 has become a very valuable lesson for the Indonesian people, especially for the government. The crisis resulted in reduced public confidence in existing banks. In order to restore public confidence in banking, the government established a government guarantee called a blanket guarantee. As the times progressed, the government guarantee was no longer effective, and then the Deposit Insurance Corporation was formed. The LPS' task is to carry out deposit insurance and actively participate in maintaining banking stability. In addition, IDIC is also tasked with handling failed banks, both with systemic and non-systemic impacts. The Financial Services Authority was established by law, namely Law Number 21 of 2011 concerning the Financial Services Authority. OJK is an institution that is independent and free from interference from other parties, which has the functions, duties and authority to regulate supervision, examination and investigation. OJK's independence will be fully effective if there is Good Corporate Governance in the financial and banking world. Because the implementation of the Good Corporate Governance system has consistently been proven to improve quality and can also become an obstacle to performance engineering activities which result in financial statements not reflecting the company's fundamental values. LPS and OJK cooperate in handling failed banks. In terms of handling failed banks, Bank Indonesia also plays a role in assisting LPS and OJK. IDIC will rescue systemic and non-systemic failed banks. For failed banks that are not systemic, the rescue does not include the old shareholders. This means that all costs incurred for the rescue will be provided by the IDIC.

Factors influencing customer preference of cardless technology over the card for cash withdrawals: an extended technology acceptance model

It can seem paradoxical that someone who evades the use of a debit card still wants access to cash and is willing to use their mobile device at an ATM. The cardless cash technology delivers a solution that is an improvement over the traditional form of cash delivery. This study explores the influential factors that affect the preference of cardless cash over cards. A cross-sectional survey was utilised to collect both data through a self-administered questionnaire. A total of 521 bank customers from one of the largest banks in India participated in the study employing a convenience sampling technique. The responses were analysed using a predictive analytics approach with various statistical and data mining techniques. Customers preferred cardless cash because of its usefulness over the Card rather than perceived ease of use, customer trust, or perceived security. This paper contributes to the banking world's ways of pre-stage access to cash, reducing customer contact at ATMs. It highlights the main factors that influence customer's preference towards using cardless cash technology at ATMs, helping banks spread the newest technology used to provide a financial instrument that has been here for centuries—cash.

Islamic Banking Innovation

Every business needs to make a breakthrough continuously so that consumers do not feel bored with the products they have often consumed. In addition, every entrepreneur must also be aware that, in addition to the problem of saturation or the problem of saturation, what is no less scary and needs to be used as a challenge is the competitors themselves. Therefore, it is necessary to constantly innovate the products produced and marketed. The financial industry has also experienced this, namely the business in the banking world, especially Islamic banking. This study aims to determine the development map and trend of Islamic banking innovation published by well-known journals in the field of Islamic economics and finance. The data analyzed were more than 115 Scopus indexed research publications. The export data is then processed and analyzed using the R Biblioshiny application program to determine the bibliometric map of the development of Islamic banking innovation. The results show that the number of publications on the development of the role of Islamic economics and finance research continues to increase.

Aktivitas Public Relations Dalam Menerapkan Budaya Perusahaan

Public relations (PR) has an essential role in a company, as in the banking world is needed in facing banking competition that is so competitive. Corporate culture in a company is directed to support the strategy and long-term business development to have higher endurance and competitiveness. Public relations are necessary for implementing corporate culture because culture is the foundation in managing a company and supporting a company to achieve optimal performance. This study aims to determine the form of PR commitment and PR activities in implementing corporate culture. This research is qualitative research using a case study approach. The results obtained are a form of commitment consisting of affective commitment by the go spirit and commitment to building teamwork. Then normative commitment consists of an agent of trust (professionalism, respect, integrity, trust, and agent of development), which is implemented through cultural values of innovation and agent of service. The challenges faced by PR in implementing corporate culture are personal culture, customers or partners' challenges, and inter-division team building that has different roles and functions. Keywords: Public Relations, Corporate, Culture.

C: Financial Operations and Services

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

B: Financial Instruments and Markets

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

G: Principles and Methods

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

Index

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

D: Management, Accounting and Technology

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

E: Policy, Law and Regulation

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

List of Periodicals

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

Editorial Statement & General Notes

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

F: International and National Economies

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

A: Financial Institutions

World Banking Abstracts publishes abstracts exclusively. Therefore, to see this content, please click the “Get PDF” link.

Nudging is the Architecture of Choice in the World of Banking

Nudging is the Architecture of Choice in the World of Banking

Pengaruh Strategi Product, Price, Promotion terhadap Keputusan Nasabah Melakukan Pembiayaan pada PT BPRS Puduarta Insani Medan

In the age of 4.0, the banking industry must be ready to change. This era changed the way people live, work and interact with one another. including the banking sector, which faces many challenges. The bank offers different types of products and business systems, but the Indonesian people are now more reluctant to use banking services, especially conventional banks that adhere to the interest rate system prohibited by Islam. As an alternative, Islamic banking was born, which implements a profit-sharing system. Many foreign banks entering the world of domestic banking offer innovative products that create fierce competition between banks and force banks to respond to changing customer preference patterns. The marketing mix helps to shape, develop and direct the mutually beneficial exchange between producers and consumers in the long term. The financing data of BPRS Puduarta Insani has tended to decrease since 2018. This study aims to determine the influence of product, price, promotion partially and simultaneously on purchase decisions for financing products. To find the variables that have the greatest impact on customer financing decisions, this study uses quantitative research and data analysis that uses the validity and reliability test, the T-test, and the F-test. The total population in this study was 900. The sample size was determined using the Solving formula with an error tolerance = 10%, so that the study sample obtained comprised 89 respondents. Methods of data collection through interviews and questionnaires to the respondents. The data analysis technique used in this study was multiple regression analysis with a significance level of 0.05. The results showed that product, price and advertising had a positive and significant influence on customer financing decisions at BPRS Puduarta Insani Medan.

An empirical study to measure consumer adoption of mobile banking services

In the highly secured and regulated world of banking and financial services and insurance (BFSI), mobile banking (m-banking) has emerged as an innovative technological advancement. The consumer adoption of m-banking technologies has not been measured comprehensively. Through the current study, the authors have made an attempt to measure the consumer adoption of m-banking in developing economy. To support this research, Everett Rogers theory of 'diffusion of innovation' is adopted as theoretical framework. An exploratory study was administered through a structured questionnaire. Non-probabilistic convenience sampling technique was adopted for the study. Confirmatory factor analysis (CFA) was used to establish the measurement model. Additionally, the study also explores the impact of demographic characteristics like gender, age, income, marital status, duration of using smartphones and duration of using internet banking on consumer adoption towards m-banking services using ANOVA.

Low Default Portfolios—A Proposed Rule to Identify Differences between Imprudence, Conservatism, and Exaggeration

Internal models may be used by banks to calculate their regulatory capital for credit risk. There are a variety of methodologies for estimating default probabilities, which leads to major differences in credit provisions and capital requirements. Using either a classical or a Bayesian technique, the computation of default probabilities can be ensured. Reduced form models are a choice. These models, however, might not be used to quantify economic capital because they assume independence among default events. Banks are compelled to employ structural models since defaults in the real world of banking are not solely due to exogenous causes. Because of the diversification effects between credit losses for one obligor and credit losses for other obligors in each bank’s portfolio, total unexpected losses do not equal the sum of individual unexpected losses. Those two types of models—reduced form and structural—are provided in either a theoretical or a numerical format. This paper covers both the classical and Bayesian techniques, with the latter employing a broader set of prior functions that offer considerably different probabilities. Distinguishing between imprudence, conservatism, and exaggeration might be difficult in the context of low default portfolios with scarce data. A realistic rule is proposed for finding the minimum and maximum bounds and therefore assessing the required conservatism margin by comparing classical and Bayesian probabilities.

THE BALANCE SHEET OF A COMMERCIAL BANK AS THE MAIN DOCUMENT OF ITS ACTIVITIES

Introduction. The article is devoted to the study of the theoretical and methodological aspects of the analysis of the innovative strategy of creating the balance sheet of a commercial bank, the analysis of the current state and prospects for its development, and the developed directions for improving the modern strategy of creating the balance sheet of commercial banks in the conditions of the development of Ukraine. The work examines the content and features of the bank's activity as a financial intermediary, provides a description of the methods of quantitative analysis of its current activity, and investigates the methods of qualitative analysis of its development prospects. Purpose. The purpose of the research is to develop and work out the methodological principles of optimizing the creation of the balance sheet of a commercial bank based on the identification of systemic and functional features of international financial accounting, trends in the development of international financial-credit-payment systems in the conditions of the spread of information technologies and modern internationalization. Method (methodology). Solving the set tasks is carried out with the help of methods of assessment and analysis of risks and efficiency of functioning, assessment of financial and economic indicators of commercial bank activity, statistical methods. Results. The use of tools for improving competitive intelligence in the world markets of banking services is proposed as a direction for improving accounting and analytical support for creating a bank balance sheet. Directions for using data processing software for researching the world banking market of financial services have been developed. The effectiveness of the proposed measures is substantiated.