Private Bank In Indonesia Research Articles

Analisis Kinerja Keuangan Bank BUMN dan Bank Swasta Indonesia: Studi Komparatif

Purpose: This study assesses and compares the financial performance of state-owned and private banks in Indonesia from 2019 to 2021. This study focuses on evaluating key financial indicators to monitor the financial structure and efficiency of banking institutions continuously amid increasing competition in the banking sector. Methodology: This study utilizes several financial ratios and applies independent sample t-tests to analyze the financial performance of state-owned and private banks. The key ratios analyzed include (Equity to Total Assets Ratio), ECTAR (Equity to Customer Assets Ratio), IMAEAR (interest margin to average earnings assets ratio), LLCR (Loan Loss Coverage Ratio), DTCR (Debt to Capital Ratio), LDR (Loan to Deposit Ratio), and CAR (Capital Adequacy Ratio). Results: State-owned banks are financially weaker than private banks. Furthermore, there is no significant difference in the average financial performance of state-owned and private banks when measured using EATAR and ECTAR ratios. However, clear differences are observed between these two banking groups in terms of the IMAEAR, LLCR, DTCR, LDR, and CAR ratios. Limitations: This study is limited to the analysis of financial performance from 2019 to 2021, which may not fully capture long-term trends or the impact of external economic conditions, such as global financial crises or regulatory changes. Additionally, this study focuses only on a specific set of financial ratios. Contribution: This study contributes to the body of knowledge by providing a comparative analysis of the financial performance of state-owned and private Indonesian banks. It offers valuable insights for banking institutions, regulators, and investors on how financial performance differs across banking groups, highlighting areas where state-owned banks may need to improve their financial strength.

Digital Transformation and Work Stress Impact on Employee Engagement in the Private Banking Sector

Digital transformation has been a significant topic of discussion in Pakistan's banking industry. High levels of stress in the workplace might be caused by the introduction of various uncertainties due to technological advancements. Work-related stress can directly impact employees' engagement in their work, jeopardizing the organization's effectiveness. The study took place in a private bank in Indonesia, involving 448 participants located in Jakarta. These responders have witnessed significant technological advancements during the past year. This work utilizes a quantitative approach, specifically employing the Structural Equation Modelling Partial Least Squares (SEM PLS) method. Furthermore, 25 indicators from several worldwide publications are utilized. The study's findings demonstrated that the 25 indicators were able to form each of the latent variables. The research indicated that workplace stress had a negative impact on employee engagement. Therefore, it was suggested to conduct further research on the issues identified in the findings.

Marketing Communication Approach in Indonesian Banking Industry: Research Study on Indonesia's Largest Private Bank

Integrated Marketing Communication is one strategy that can be used to create, maintain and improve the positive image and reputation of the company included banking industry. This research will find the marketing communication approach used by PT XYZ as the biggest private bank in Indonesia. This research refers to the concept of five aspects of Integrated Marketing Communication (IMC). The research method used is the qualitative research method with a case study research design accompanied by series of observations and interviews. The results showed and concluded that the marketing communication approach in the banking industry implements five aspects of IMC, which is advertising, sales promotion, public relations, events & experiences, and direct marketing. The approach of private bank XYZ is aimed at creating long-term relationships, and enhancing reputation.

Financial Accelerator in National Private Banks During COVID-19 Pandemic

This research aims to investigate the effect of liquidity, credit risk, and bank size on the financial accelerator in National Private Banks registered with the Indonesian Financial Services Authority during the period of 2019-2022. The research design uses a causal approach. The population of this study is National Private Banks in Indonesia that are registered by Indonesian Financial Services Authority throughout the research period, 2019-2022, with the total population of 68 banks. This study uses purposive sampling method. There are 56 companies as samples of this study, resulting 224 financial statement data. The data is analyzed by using the Generalized Method of Moments (GMM).The research findings indicate that liquidity has a negative and significant impact on the financial accelerator effect in National Private Banks registered with the Indonesian Financial Services Authority during the period 2019-2022 (significance value 0.041 < α = 0.05).Credit risk also has a negative and significant impact on the financial accelerator effect in these banks during the same period (significance value 0.015 < α = 0.05). Bank size shows a negative but statistically insignificant influence on the financial accelerator effect in National Private Banks registered with the OJK during the period 2019-2022 (significance value 0.865 > α = 0.05).

Pengaruh Kualitas Pelayanan Dan Strategi Promosi Terhadap Kepuasan Nasabah BCA

Bank Central Asia Tbk is one of the leading private banks in Indonesia that has been recognized by the wider community among the many banks in Surabaya City, a very professional management team and an extensive network. Bank BCA as a transactional bank that offers a range of banking services that have Cash and Non-Cash ATMs provided in various strategic locations throughout Indonesia to meet the diverse needs of customers. This study aims to determine the effect of service quality on customer satisfaction and promotional strategies on customer satisfaction. The type of research used is quantitative research and the sampling technique is purposive sampling technique with the number of samples obtained based on criteria and data analysis techniques using SEM Amos. This research was conducted by distributing questionnaires through 100 respondents. The results showed that service quality has a significant positive effect on customer satisfaction for BCA Veteran Surabaya Bank customers and promotional strategies have a significant positive effect on customer satisfaction for BCA Veteran Surabaya Bank customers.

Does Top Management Support Improving the Quality of Ais?

There is extensive growth in Accounting Information System (AIS) utilization during the COVID-19 pandemic in order to adapt to this situation. Due to the great increase in the use of AIS, it is necessary to develop the quality of AIS itself to produce good quality accounting information for users. The accounting information system can be affected by many factors. This study aims to analyze the effect of top management support on the quality of the AIS. This research was conducted on fifty five private banks in Indonesia. The data was retrieved using a questionnaire distributed directly or online. This type of research is explanative research with a quantitative approach. There are two research results, namely: (1) top management support has a positive effect on the quality of the AIS, (2) the quality of the information system has a positive effect on the quality of accounting information.

Relationships between Work Environment and Employee Engagement mediate by Job Satisfaction

This research examines impact of work environment on employee engagement, and more that the role of job satisfaction as a mediator. We are empirically test relations between work environment and employee engagement mediate by job satisfaction in a national private bank in Indonesia.
 The data from questionnaires on job satisfaction, work environment and employee engagement collected from s survey that we received from 893 respondent via online. The structural model is based on four construct, which tested using structural equation modelling (SEM) using IBM SPSS v25 and IBM AMOS v24.
 An increase in work environment both positively relates to job satisfaction and employee engagement, and it shows also that job satisfaction mediate positively significant work environment to employee engagement.
 This research confirm that job satisfaction mediate work environment to employee engagement although it is never consluce yet from prom previous research. Work environment and job satisfactin both positively and significaly impact employee engagement and these constructs may strengthen employee engagement, as well as work environment impact to strengthen job satisfaction

Comparative Study of Financial Soundness of State and Private Banks in Indonesia

This study aims to investigate the impact of bank soundness on the return on assets (ROA) experienced by state and private banks over the 2016-2022 fiscal quarters. In this study, a quantitative research method employing secondary data obtained through the official website of the OJK (Financial Services Authority) was used as the research methodology. For this investigation, the panel data regression analysis carried out in EViews 9 was the analytical tool. According to research on state banks, the CAR and LDR variables have only a partially significant effect on ROA. Notwithstanding this, ROA is significantly influenced by the NPL and NIM variables. On the other hand, private banks provide some evidence suggesting that the CAR and NPL variables do not have a significant impact on ROA. Several LDR and NIM variables significantly influence ROA.
 
 Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Return On Asset (ROA).
 
 Abstrak
 Tujuan dari penelitian ini adalah untuk mengetahui pengaruh tingkat kesehatan bank terhadap return on asset (ROA) pada bank pemerintah dan swasta periode triwulan 2016-2022. Dalam penelitian ini menggunakan metode penelitian kuantitatif dengan menggunakan data sekunder yang diperoleh melalui situs resmi OJK (Otoritas Jasa Keuangan). Alat analisis yang digunakan dalam penelitian ini adalah analisis regresi data panel menggunakan E-Views 9. Berdasarkan hasil penelitian pada bank pemerintah, secara parsial variabel CAR dan LDR tidak berpengaruh signifikan terhadap ROA. Namun variabel NPL dan NIM berpengaruh secara signifikan terhadap ROA. Di sisi lain, bank swasta menunjukkan bahwa variabel CAR dan NPL tidak berpengaruh signifikan terhadap ROA. Sedangkan variabel LDR dan NIM berpengaruh secara signifikan terhadap ROA.
 
 Kata kunci: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Return On Asset (ROA).

Factors Affecting Capital Adequacy in the Ownership of Government Banks and Private Banks in Indonesia

The Capital Adequacy Ratio (CAR) is a critical gauge for the sustainability of bank security. This study aims to identify the variables that influence capital adequacy. The banking sector listed on the Indonesia Stock Exchange (IDX) from 2017 to 2021 served as the study's sample. Independent variables are profitability, non-performing loans, loan-to-deposit ratio, bank size and ownership. The dependent variable is CAR. The sampling technique used in this study was purposive sampling. The sample that met the criteria was 25 conventional banks consisting of 6 government-owned banks and 19 privately owned banks. The analysis method used is multiple regression analysis. The results of this study show that profitability, non-perfoming loans, bank size have a significant effect on CAR. Meanwhile, the loan to deposit ratio and ownership do not affect the CAR. This study's contribution to the management of the banking sector and regulators (Bank Indonesia) is that raising CAR is essential for boosting the competitiveness of the country's banking system.

ANALISIS USABILITY LAYANAN BCA MOBILE BANKING BERDASARKAN PERSEPSI PENGGUNA MENGGUNAKAN HEURISTIC EVALUATION

BCA is the biggest private bank in Indonesia, which is the choice for the public and has an important role in the Indonesian economy. One of the major services is BCA Mobile Banking. BCA also wants the growth of digital services based on the user experience of its customers who feel comfortable, safe and loyal. The purpose of this research is to analyze the interface design and usability of BCA Mobile Banking services using the Heuristic Evaluation method and to analyze the influence of sex, age and duration of user experience. The research method consists of 5 steps, develop a research model and compile the instrument, test the validity and reliability of the instrument, collect the data, process the data and analyze the data. The results of this research are that users have a high level of satisfaction with BCA m-banking services, the level of satisfaction is influenced by sex, age and duration of user experience in service. BCA Mobile Banking has implemented interface design and usability.

Effect of Corporate Growth and Profitability on Company Value in One Of The National Private Banks in Indonesia Period 2012 To 2019

This study aimed to determine and analyze the influence of company growth and profitability on company value
 at one of the well-known national private banks in Indonesia for the 2012-2019 period. In this study, data
 collection techniques were used to obtain research data in the form of secondary data obtained from financial
 report documentation. There are two types of data used in this study: qualitative data in the form of a general
 description of the company and quantitative data in the form of the company's financial statements consisting of
 a profit and loss balance. Then the data were analyzed according to research needs: company growth proxied by
 Assets Growth, Profitability proxied by ROA, and company value proxied by PBV. The results showed that
 company growth (Asset Growth) positively and significantly affected firm value (PBV). In addition, profitability
 (ROA) positively and significantly affects firm value (PBV). As a result, company growth (Asset Growth) and
 profitability (ROA) simultaneously have a positive and significant effect on firm value (PBV) at one of the
 national private banks in Indonesia for the 2012-2019 period. The implications of research on companies need
 to increase company growth and profitability on firm value. Companies must increase the company's total assets
 and high return on assets. From an investor's point of view, a company with good growth will produce a
 reasonable rate of return—the higher the company's ability to earn profits, the greater the return expected by
 investors.

Aplikasi Metode Accelerated Failure Time (AFT): Analisis Risiko Prepayment pada Kredit Kendaraan Bermotor

This study aims to measure the probability distribution of the time of payment in advance and explain the factors that can affect the risk of credit loans using the life analysis method. This research method is descriptive quantitative method. The sample of this research is motor vehicle loan financing debtors from private banks in Indonesia with an observation period between 2017-2019. The results of the study indicate that there is a 50% chance that the debtor of motorcycle and car loan financing will have an upfront payment after 21 months and 24 months from the initial loan application period. After the 44th and 68th months, the estimated probability of the debtor having a prepayment is > 99%. In conclusion, the tenor factor, credit limit, occupation, income, gender, marital status, age, and education level affect the variation in time until the payment in advance for motorcycle credit financing. Meanwhile, in addition to these factors, the additional factor of the area of ​​residence also affects the variation in the time of advance payments for car loans.
 
 Keywords: Survival Analysis, Banking, Credit Loans, Accelerated Failure Time, Prepayment Time

Customer Churn Scrutiny and Prediction Using Data Extraction Models in Funding Sectors

A new method for customer churn analysis and prediction has been proposed. The method uses data Extraction model in Funding industries. This has been inspired by the fact that there are around 1,5 million churn customers in a year which is increasing every year. Churn customer prediction is an activity carried out to predict whether the customer will leave the company or not. One way to predict this customer churn is to use a catalog technique from data Extraction that produces a machine learning model. This study tested 5 different catalog methods with a dataset consisting of 57 attributes. Experiments were carried out several times using comparisons between different classes. Support Vector Machine (SVM) with a comparison of 50:50 Class sampling data is the best method for predicting churn customers at a private bank in Indonesia. The results of this modeling can be utilized by company who will apply strategic action to prevent customer churn.

The Effect of Product Quality, Service Quality, Environment Quality, and Product Assortment on Customer Loyalty trough Customer Satisfaction of BCA Mobile Application

The spread of the Covid-19 virus which is still increasing requires the Indonesian government to issue a policy to limit mobility for the sake of the nation's recovery. In the end, community activity in public places decreased and community activity in the house increased. This causes an increase in internet usage traffic, including digital transactions. Banking is one of the industries that also plays a major role in digital transactions, one of which is Bank BCA which has been the largest and most trusted private bank in Indonesia since 1957. The study will use six variables, namely product quality, service quality, environment quality, product assortment, customer satisfaction, and customer loyalty on the BCA Mobile application. This study uses a quantitative approach with Structural Equation Model (SEM) analysis techniques and AMOS 22.0 software. Collecting data in this study using an online questionnaire to 100 respondents with the characteristics of men and women who live in Surabaya and aged 18-60 years who have used the BCA Mobile application at least three times in the last six month. The results of this study indicate that product quality has a significant effect on customer satisfaction with a regression coefficient of 0.354 but product quality has no significant effect on customer loyalty with a regression coefficient of 0.059, service quality has a significant effect on customer satisfaction with a regression coefficient of 0.520 and service quality also has a significant effect. on customer loyalty with a regression coefficient of 0.283, environment quality has a significant effect on customer satisfaction with a regression coefficient of 0.480 and environment quality also has a significant effect on customer loyalty with a regression coefficient of 0.287, product assortment has no significant effect on customer satisfaction with a regression coefficient of 0.060 and product assortment also has no significant effect on customer loyalty with a regression coefficient of 0.097, and customer satisfaction has an effect significant to customer loyalty with a regression coefficient of 0.312.

The Effects of Product Quality and Promotion on Customer Satisfaction and Loyalty in Government Bank and Private Banks in Indonesia (Case of BNI and BCA Bank in Samarinda)

The Effects of Product Quality and Promotion on Customer Satisfaction and Loyalty in Government Bank and Private Banks in Indonesia (Case of BNI and BCA Bank in Samarinda)

RANCANG BANGUN SISTEM INFORMASI LAYANAN KEUANGAN TANPA KANTOR DALAM RANGKA KEUANGAN INKLUSIF

Lakupandai (Officeless Financial Services in the Framework of Financial Inclusion) is a financial inclusion and financial literacy program promoted by the government so that more people can be accessed by financial services. Bank XYZ as one of the private banks in Indonesia plays a role in the success of this government program. The current system is still manual, so an information system is needed to accommodate these services. Based on these problems, the purpose of this study is to create a web-based cover-up information system. The research method used is to use the PIECES method (Performance, Information / Data, Economic, Control / Security, Efficiency, and Service) with the data analysis tools used are the uses case and activity diagrams. With the java programming language and postgres as a database. This research resulted in a design of an officeless financial service information system in the framework of financial inclusion which functions to accommodate banking services to make them better, more effective and more efficient

The Impact Of Transformational Leadership And Motivation On Employee Performance With Job Satisfaction As Intervening Variable In Indonesian Banking Industry During Digital Transformation

Digital transformation is currently a very important agenda in the Indonesian Banking Industry. The era of globalization, and changes in customer transaction preferences during the Covid 19 pandemic, have encouraged companies to make various changes related to technology. Being adaptive and agile throughout the process is one of the foundations in maintaining the reliability and sustainability of the company. However, drastic changes and various uncertainties that arise during the transformation process can affect various aspects of human resources, such as motivation, job satisfaction and performance. In this study, the effect of transformational leadership and employee motivation on employee performance will be calculated through job satisfaction as an intervening. This research was conducted at a private bank in Indonesia with 95 respondents located in Tangerang, an industrial area located near the Indonesian capital city. Sampling using purposive sampling technique and the type of research is quantitative. Collecting data using a survey method through distributing questionnaires using a likert scale, the analysis method using SEM-PLS. The results of data analysis show that transformational leadership has a positive and significant effect on employee performance through job satisfaction. Direct work motivation has no significant effect, but through job satisfaction it has a positive and significant effect on employee performance.

Factor Affecting Customer’s Intention to Use Mobile Banking Service at Private Bank in Indonesia

The rapid development of technology in Indonesia today resulted in very tight competition in the industrial world, where industry players are required to be able to provide faster and efficient services to keep their consumers from turning to competitors. PT. XYZ Bank In 2014 launched a mobile banking service called SimobiPlus. However, based on the data obtained from the number of internal SimobiPlus users, it is still below 15% of the total customers and it can be concluded that the use intention between customers is still very low, so the authors want to find out the factors that influence the user's intention to use. These research analysts used the method of the previous research UTAUT Extend, where this method has been proven on conducting research of intended use and modify it by adding a variable perception of usefulness, ease of use, trust, and security. In collecting the data, questionnaires with 400 respondents also use for the analysis of this research. Based on the results, the variable Perceived Ease of Use, Trust, Security, Social Influence has a positive effect on behavioral intention, where the Perceived Usefulness variable has the top influence among the variables used in this research.

ANALISIS PERBANDINGAN EFISIENSI BANK PEMERINTAH (BUMN) DAN BANK SWASTA DI INDONESIA PERIODE 2015-2019

This study aims to determine the results of a comparative analysis of the level of efficiency of state-owned banks with private banks in Indonesia during the 2015-2019 period. The design of this research is comparative quantitative. The study population includes Conventional Commercial Banks Listed on the Indonesia Stock Exchange during the observation period 2015-2019. The sample selection technique used purposive sampling method by taking a sample of 4 government banks (BUMN) and 4 private banks. The measurement of efficiency in this study uses the Data Envelopment Analysis (DEA) method with the Banxia Frontier Analysis (BFA) computer program. The input variables used in the study are Capital, Total Assets and Personnel Costs, while the output variable is Operating Profit. To determine the efficiency comparison between state-owned banks (BUMN) and private banks, this study used the Mann Whitney U-test non-parametric difference test. The results of the research with the BFA show that in the 8 banks that were used as research samples, there were two banks that were declared efficient with an average value of 100% and 2 banks were declared inefficient with an average value of 0.05. K eywords : e fficiency ; d ata e nvelopment a nalysis (DEA) ; i nput ; o utput

What Most Influence on Non-Performing Loan in Indonesia? Bank Accounting Perspective with Mars Analysis

The research objective is to examine factors that affect non-performing loans at conventional private banks in Indonesia. These factors include growth in gross domestic product, interest rates, currency exchange rates, exports, credit growth, inflation, return on asset, operating costs to operating income, and the capital adequacy ratio. The sample used in this study was conventional private banks listed on the Indonesia Stock Exchange 2014-2019. Data analysis techniques using Multivariate adaptive regression spline (MARS). The study results inform an influence between the predictor variables and the response variables based on functions in the model. The variables that affect non-performing loans are credit growth, exchange rates, inflation, capital adequacy ratio, return on asset, operating costs to operating income, and interest rates. In contrast, gross domestic product growth and export growth in this study do not affect non-performing loans in conventional private banks. The MARS model has informed that the most influential variable on non-performing loans is credit growth. Banking authorities need to control lending by applying credit risk management and regulating the quality of credit loans to contribute to the results in this study.