Conventional Commercial Banks In Indonesia Research Articles

Audit Delay: Case Studies at Conventional Banking in Indonesia

The purpose of this study is to determine the effect of company size and profitability on audit delay with the reputation of the public accounting firm as a moderator. The study was conducted at conventional commercial banks in Indonesia during the 2014-2016 period. The total sample was 34 companies with 102 observations. The sample technique used was purposive sampling the analysis in this study used partial least square with WrapPLS. The results showed that company size and profitability has a significant effect on audit delay. The reputation of public accounting firms did not moderate the company size and profitability on audit delay.

Foreign Banks’ Presence and Domestic Bank Performance: Evidence from Indonesia

We examine the impact of foreign presence on domestic banks’ performance by studying conventional commercial banks in Indonesia. We use monthly financial information of 97 commercial banks from 2003 through 2013 resulting in 8,600 observations. We use a panel data regression (Panel Least Square method) to test our hypotheses. Our results show that overall, foreign presence decreases the performance of domestic banks. Going deeper, we find that foreign presence reduces state-owned banks’ profitability as well as private domestic banks’ profitability. However, there is no significant effect of foreign presence on the performance of regional development banks. Little evidence found on the effect of foreign presence on overhead cost.DOI:10.15408/etk.v17i2.7769

PENGUATAN PENYALURAN KPR DI INDONESIA DALAM MEMENUHI KEBUTUHAN BACKLOG (Studi pada Bank Umum Konvensional Periode 2013-2015)

The condition of economic fundamentals declining with the marked economic growththat only reached 4.51% and the value of rupiah that penetrated Rp13.000,00 make theprimary housing finance market (PPPP) in Indonesia become sluggish. This makes HousingLoans (KPR) declining. In addition, the policy of maintaining the BI rate at 7% and the 30%loan to value (LTV) policy also makes PPPP in Indonesia decreasingThe samples used were selected by purposive sampling method with some criterias. Thesamples in this study are 36 Conventional Commercial Banks in Indonesia that providehousing loan in period 2013-2015. The data used in this study were obtained from theBanking Annual Report 2013-2015. This study used Multiple Linear Regression Analysisthat includes classic assumption test, coefficient of determination test (R²), F statistic test,and t statistic test.The result of this research showed that DPK and NPL significantly positive influence toTotal of Housing Loans, housing loan interest rates has negative significant effect to Totalof Housing Loans. Whereas the determination of the test based on the research model thatcan explain the dependent variable well enough that it can be seen from the R Square valueof 0,47. This means that the ability of model prediction was 47% while the remaining 53%influenced by other variables outside the research.Keywords: third party fund, housing loan interest rates, non performing loan, housing loan

PENGHINDARAN RISIKO, DIVERSIFIKASI PENDAPATAN DAN EFISIENSI INTERMEDIASI BANK DI INDONESIA

<p>This study aims to examine the effect of bank-specific factors, market structure and macroeconomic to intermediation efficiency of bank as measured by the spread. The data used as many as 99 conventional commercial banks in Indonesia from 2004 to 2013. Panel data estimation method uses the fixed effect model. Results showed that risk averse has positive effects on spread. Income diversification has negative effect on the spread. Other results show that bad loans and liquidity have negative effect on spread. While the operating costs, the market concentration, economic growth, and inflation has negativve effect on spread.<br />Keywords: bank efficiency, risk averse, income diversification</p>

Dominant Variables That Affect The Level of Profitability in Sharia Banks and Conventional Banks

<p>This study aims to analyze the dominant factors that affect profitability in the Sharia Commercial Bank and Conventional Bank Indonesia Year 2009-2014. The sample used in this study is 7 Sharia Commercial Banks and 10 Conventional Commercial Banks in Indonesia. The technic sample used in this study by purposive sampling method. This research uses panel data regression methods and estimation model used is a Random Effect Model. The result of research on sharia bank of internal factors concludes that BOPO variable has a significant influence on return on asset (ROA) and from external factors of BI Rate significant effect on return on asset (ROA). While conventional banks of internal factors conclude that BOPO and NPL variable have significant influence to return on asset (ROA) and from external factor conclude that BI Rate has a significant effect to return on asset ROA). In this research, BOPO variable has a more dominant influence on ROA than other variables.</p>

REVENUE DIVERSIFICATION, PERFORMANCE, AND BANK RISK: EVIDENCE FROM INDONESIA

<p>This paper examines the effect of revenue diversification on bank performance and bank risk by studying 101 conventional commercial banks in Indonesia over the period of 2010-2014 resulting in 505 observations. By employing panel least square technique, our results show that revenue diversification negatively affects bank performance. Moreover, it is found that diversified banks are riskier than specialized banks. The risk is diminished when state-owned banks diversify their business. Joint venture banks are riskier than other banks when they engage in non-interest income activities.</p>