PT Bank Negara Research Articles

Analisis Perbandingan Tingkat Kesehatan Bank dengan Menggunakan Pendekatan RGEC (Studi pada PT. Bank Mandiri (Persero), Tbk dan PT. Bank Negara Indonesia (Persero), Tbk Periode 2014-2018)

This research aims to analyse how the health level comparison of PT Bank Mandiri (Persero), Tbk with PT Bank Negara Indonesia (Persero), Tbk using RGEC (Risk Profile, Good Corporate Governance, Earnings, Capital) approach In 2014-2018. The type of research used is quantitative descriptive research. Research results show the health level of Bank Mandiri and BNI in 2014-2018 overall healthy. Risk Profile Bank Mandiri and BNI bank with the credit risk indicator gained a healthy predicate and with the risk indicators of the liquidity of both banks earned a fairly healthy predicate. Assessment of Good Corporate Governance (GCG) based on Self Assessment showed that Bank Mandiri obtained very good predicate while BNI Bank obtained good predicate. The Earnings assessment of the ROA and NIM ratio analysis and Capital valuation based on the CAR value analysis showed that Bank Mandiri and BNI Bank gained a very healthy predicate.

Employee perceptions towards organizational change and leadership in the banking industry

Organizational change involves participation of leaders, employees, structures, and systems as a strategy in anticipating and adapting to environmental changes. Leadership as a reflection of leaders’ behavior in managing organizations not only influences the policy and decision making but also indicates the approach to all members as the most important element in achieving organizational goals. This study explores perceptions of employees toward the implementation of organizational change and leadership in two leading banks in Palu City, namely, PT Bank Negara Indonesia (Persero) Tbk (BNI) and PT Bank Syariah Mandiri (BSM). The sample is purposively determined by 48 people, with 24 employees in each bank. This study is conducted using a quantitative approach with descriptive statistical data analysis and analyzed descriptively. Then it is tested with the Independent Sample T-Test. The results show that there are no differences in perceptions of employees regarding organizational change despite their experience on different levels of change, but reveal different perceptions in a leadership aspect. Organizational change at BNI is at the moving stage, while BSM has been in the last stage of organizational change, namely refreezing. The difference in leadership behavior between these two banks is very significant. Leadership at BNI is charismatic by giving idealized influence, while BSM prioritizes inspirational motivation.

Analysis of 5C Factors Impacting Non-Performing Loan for the Debtors Under Age of 45 Years Old of PT Bank Negara Indonesia (Persero)Tbk at Sengkang Bank Branch

This study aims to determine the effect of the 5C factor on non-performing loans in debtors under the age of 45 years at PT. Bank Negara Indonesia (Persero), Tbk Sengkang Branch. The research is a quantitative study using multiple regression analysis with the assistant of SPSS application software. Data was collected through questionnaires distributed to 45 respondent of debtors. Validity and reliability of the questionnaire are evaluated beforehand. Based on the results of the study, the variable character negatively affects non-performing loans, the capacity negatively affects non-performing loans, the condition of economy negatively affect non-performing loans, the collateral negatively affects non-performing loans, the capital negatively affects non-performing loans for debtors under 45 years at PT. Bank Negara Indonesia (Persero) Tbk Sengkang Branch.

Analisis Profitabilitas Pada PT Bank Negara Indonesia Tbk Cabang Manado

The purpose of this research is to analyze the financial ratios in particular the profitability ratio of PT Bank Negara Indonesia Tbk. In the present era more and more companies are emerging and also the competition is so strict, therefore the company must Increase the profit that can be able to compete. The research method used is the ratio of profitability. The profitability ratio is a ratio used to measure the company's ability to generate profit at a certain level of sales, Aser, and stock Capital The research results show that profitability can be said to be good when Profit that can be held annually in the company is able to achieve the target of the company itself. And the results obtained from the research of each indicator for five years from year 2014-2018 is as follows. Gross Profit Margin in the year 2014 of 59%, 2015 of 45%, 2016 amounted to 48%, 2017 for 54%, and 2018 for 56%. Operating Profit Margin in the year 2014 of 59%, 2015 of 45%, 2016 amounted to 48%, 2017 for 54%, and 2018 for 55%. Net Profit Margin in the year 2014 of 48%, 2015 of 36%, 2016 amounted to 38%, 2017 for 43%, and 2018 for 42%. Return on Assets in 2014 amounted to 3%, 2015 by 2%, 2016 by 2%, 2017 by 2%, and 2018 by 2%. Return on Equity in 2014 amounted to 18%, 2015 by 12%, 2016 by 13%, 2017 by 14%, and 2018 by 14%. It can be seen from the presentation of the five indicators can be said to be good, although the presentation that can be in the company in 2015 was decreased, but the company was able to increase back in the following years. It means the company is able to minimize the profit gained according to expectations.

PENGGUNAAN METODE PROFILE MATCHING DALAM SISTEM PENDUKUNG KEPUTUSAN KENAIKAN JABATAN PADA INSTITUSI BANK (STUDI KASUS PT Bank Negara Indonesia, Persero Tbk - KC PECENONGAN)

Sering kali pemilihan kandidat karyawan yang akandi promosikan untuk jabatan tertentu pada suatuperusahaan sebetulnya tidak cocok untuk mengisijabatan tersebut, karena sebelumnya tidak ditentukanterlebih dahulu GAP antara kompetensi individu dankompetensi jabatan yang dapat mengarahkankaryawan ke jabatan yang sesuai dengan kompetensidasar yang dimiliki. Penelitian ini bertujuan untukmembantu PT Bank Negara Indonesia (Persero), TbkKCU Pecenongan dalam proses seleksi promosijabatan dari kandidat Costumer Service Officer(CSO) untuk menempati posisi jabatan Personalbanking Officer (PBO) dengan menggunakan metodeProfile Matching. Metode ini dilakukan dengantahapan, menentukan aspek dan sub aspek penilaian,menentukan nilai target dari masing-masing subaspek, menentukan GAP kompetensi dari selisihantara nilai aspek dan nilai target, melakukanpembobotan nilai GAP, mengkelompokan aspekmenjadi 2 kelompok yaitu core factor dan secondaryfactor, melakukan perhitungan nilai total berdasarkanpresentasi dari core factor dan secondary factor, hasilakhir setelah melakukan penilaian dengan metodeprofile matching pada sistem promosi jabatan dengancara memilih kandidat dari costumer service officer(CSO) PT Bank Negara Indonesia (Persero), TbkKantor Cabang Utama Pecenongan untuk menempatiposisi jabatan Personal Banking Officer (PBO)terlihat perbedaan nilai yang lebih baik dariperhitungan sebelumnya yang masih dilakukandengan sederhana tanpa ada pemberian nilai target,pemetaan nilai bobot GAP dan nilai factor yakniCore Factor dan Secondary Factor yang dilanjutkandengan hitung rangking.

PENERAPAN METODEEXPECTED SHORTFALLPADA PENGUKURAN RISIKO INVESTASI SAHAM DENGAN VOLATILITAS MODEL GARCH

One of the methods that can be used to measure stock investment risk is Expected Shortfall (ES). ES is an expectation of risk size which value is greater than Value at Risk (VaR), ES has characteristics of sub-additive and convex. The Generalized Autoregressive Conditional Heteroskedasticity (GARCH) model is used to model stock data that has high volatility. Calculating ES is done with data that shows deviations from normality using Cornish-Fisher's expansion. This researchapplies the ES at the closing stock price of PT Astra International Tbk. (ASII), PT Bank Negara Indonesia (Persero) Tbk. (BBNI), and PT Indocement Tunggal Prakarsa Tbk. (INTP) for the period of 11 February 2013 - 31 March 2019. Based on the volatility of GARCH (1,1) analysis, we find ES calculation for each stock by 95% level confidence. The ES for ASII shares is 4.1%, greater than the VaR value which isonly 2.64%.The ES for BBNI shares is 4.38%, greater than it’s VaR value which is only 2,86%. The ES for INTP shares is 6.22%, which is also greater than it’s VaR value which is only3,99%. The greather of VaR then Thegreather of ES obtained.Keywords: Expected Shortfall, Value at Risk, GARCH

Pengaruh risiko usaha terhadap rasio kecukupan modal inti (TIER 1) pada bank-bank kelompok buku 3 dan buku 4

This study tried to determine the effect of liquidity risk measured by LDR and IPR, Credit risk measured by APB and NPL, market risk measured by IRR and PDN, operational risk measured by BOPO, and FBIR both simultaneously or partially. On Core CAR (TIER 1) in Bank group of book 3 and book 4. The sample was selected using purposive sampling technique, consisting of five banks such as PT Bank Negara Indonesia, PT Bank Maybank Indonesia, PT Bank Tabungan Negara, PT Pan Indonesia Bank, and PT Bank Permata. The secondary data were taken from published financial statements starting from first quarter 2010 until second quarter 2015. They were collected by documentation method and analyzed using linear analysis. The result shows that, partially, LDR, IPR, NPL, PDN, BOPO and FBIR have significant effect on Core CAR (TIER 1). Simultaneously, LDR, IPR, APB, NPL, IRR, PDN, BOPO, and FBIR, as represented by liquidity risk, credit risk, market risk, and operational risk partially have significant effect on Core CAR (TIER 1) in Bank group of book 3 and book 4.

Do Leading Macroeconomic Factors Impact on Optimal Portfolio Return in Indonesia?

There were two objectives in this research. Those were to construct an optimal portfolio and to analyze the impact of inflation, Bank of Indonesia (BI rate), and Rupiah to US Dollars exchange rate to the optimal portfolio return in Indonesia. The constant correlation portfolio model and ordinary least square regression method were implemented. This research used the stocks from the consistently selected stocks in the Bisnis-27 Index from 2012 to 2016. Microsoft Excel 2010 was used to construct an optimal portfolio. Meanwhile, to compute the regression and statistical analysis, SPSS version 20 was utilized. The obtained results show that only the stocks from PT Telekomunikasi Indonesia, PT Kalbe Farma, PT Charoen Pokphand Indonesia, PT Bank Rakyat Indonesia, PT Bank Central Asia, and PT Bank Negara Indonesia are included in the optimal portfolio. In addition, from the three leading macroeconomic indicators, only exchange rate change (Rupiah to US Dollars rate of change) impacts the return of the constant correlation model portfolio in Bisnis-27 Index significantly and negatively.

Pengaruh Perkembangan Obligasi Ritel Indonesia Terhadap Laporan Keuangan PT. BNI (Persero) Tbk Tahun 2011-2015

This research objective is to know the Influence Of The Development Retail Bond Indonesia To The Financial Statment Of Pt Bank Negara Indonesia (Persero) Tbk Period 2011-2015 This research used quantitative methods. The data collection techniques used literature study. The sample was financial statements period of 2011-2015. Analytical techniques used normality data test, simple linear regression, correlations, determination coefficient, and hypotheses test Using SPSS version 19 . The research result show balance of retail indonesia has a very strong influence on the financial statements of 0,931% by using pearson correlation. And the coefficient of determination of 86,7% shows the effect of retail bonds Indonesia to the financial statment while the remaining 7,67% can be influenced by other variable-variables. As for the problems that occur in the influence of retail bonds Indonesia to the financial statements at the PT Bank Negara Indonesia (persero) tbk is the balance of bonds that fluctuate and financial statments decline in the period 2011. Suggestion from the authors for the company that should increase the return of investors in order to increase. Keywords : retail bond Indonesia, financial statment

The Implementation of Training and Development Program: A Study Case at PT Bank Negara Indonesia Branch

This research discussed the implementation of training and development programs in an organization. Undertaken deep interview as a method, it was reviewing the training and development programs of PT Bank Negara Indonesia Cabang Pasar Klewer di Surakarta (BNI CPKS) that covered the nature of training and development programs, training and development process, and behavioral aspects of the process. This research used the qualitative approach, consisted of literature theories and previous researches also explored analysis from the author by deep interview to 15 employees including management level of existing company’s unit/departments. The analysis was undertaken through collecting data first, presenting the training and development programs and then comparing them with the relevant theories. By having a well-implemented training and development programs, it was hoped that the effort would result from the accomplishment of short-term, midterm, and long-term goals of the company. As the conclusion, the work of training and development programs at BNI CPKS in overall is considered poor. The Human Resource Management, which is under administration level has no right to run its main responsibilities, which are to coordinate and arrange company’s training and development programs. Almost process of training and development program is set by central (Jakarta) or regional (Semarang) office. In addition, the behavioral aspect negatively affects to the training and development programs of BNI CPKS, inducing all management levels to participate the training and developments programs as a formality.

Antecedents of employee performance and the influence on employee job satisfaction in banking service sector in Indonesia

The purpose of this study is to determine the difference between three antecedent variables of performance and the impact on employee job performance through reward, compared with institutions led by men and women. The method used was survey method. Quantitative explanation method was also used to explain the relation, difference, and influence between the variables. The type of data in this research is quantitative data. The data used in this study are primary those from the respondents' perception of the variables used. The population in this study was all bank employees in Jakarta in PT Bank X Tbk, PT Bank Negara Indonesia Tbk, PT Bank Rakyat Indonesia Tbk, PT Bank Tabungan Negara and Bank BCA. The research sample consisted of employees who directly worked under female and male middle managers in the same division. The sampling method was probability sampling according to which all population units have chance to be sampled because of the population’s homogeneity. The sample was determined by simple random sampling. Sampling of male and female employees was proportion of multistage random sampling method and sampling using procedure. To solve the problems of this study Structural Equation Modeling (SEM) analysis tool was employed using Analysis of Moment Structures (AMOS) 5 software. The result showed that the performance of employees led by male middle managers was determined by organizational culture and employee work motivation, but transactional leadership style couldn’t influence employee performance. Female managers’ leadership style had reciprocal influence on organizational culture while male managers’ leadership style didn’t have reciprocal influence on organizational culture. Employee work motivation was influenced by male and female middle managers’ leadership style. The reward received by employees led by male and female middle managers was influenced by employee performance. The job satisfaction of employees led by male and female middle managers was determined by intrinsic and extrinsic rewards they received. Male middle managers generally applied transactional leadership style while female used transactional and transformational leadership styles. Gender difference caused differences in behaviors, mentality, and emotional characteristics which are the results of socio-cultural constructs in the society which produced differences in leadership style, behavior and work attitude.

Analisis Pengaruh Kecukupan Modal, Efisiensi Operasional Dan Likuiditas Terhadap Profitabilitas Bank BUMN Di Bursa Efek Indonesia Periode 2009-2013

This study aims to examine the effect of the variables of Capital Adequacy Ratio (CAR), operational efficiency (ratio of operating expenses to operating income / BOPO) and liquidity (loan to deposit ratio / LDR) to profitability (return on assets / ROA)of state-owned bank in the Indonesia Stock Exchange in the period of 2009 -2013. There are four (4) samples in this research, which are: PT Bank Mandiri Tbk., PT Bank Rakyat Indonesia Tbk., PT Bank Negara Indonesia Tbk, and PT Bank BTN Tbk. Data analysis method used is multiple linear regression, after going through the classical assumption test to make sure there are no violations on multicolinearity, autocorrelation and heteroscedasticity. Based on the analysis, it is concluded that the variables CAR, BOPO and LDR, partially or simultaneously, significantly influences ROA of the state-owned bank in BEI. Of the three variables, it is proven that BOPO is the most dominant aspect that influences ROA. The coefficient of determination (R2) is of 0.795, means that the three variables have contributed to changes in the value of ROA of 79.5% and the contribution of other variables that are not observed in this study is 20.5%. While the value stimulant correlation coefficient (R) is 0.891 indicates that these three variables have a strong relation to the ROA of state-owned bank in BEI 2009-2013.

Bank Performance with CAMELS Ratios towards earnings management practices In State Banks and Private Banks

This study aimed to examine the influence of CAMELS ratio toward earnings management practices in state bank limited to PT Bank Negara Indonesia(Persero ), PT Bank BTN ( Persero),PT Bank Central Asia Tbkdan PT Bank ArthaGraha. This study used secondary data of monthly financial report of the state bank published by Bank Indonesia during 2012 and 2013. The sampling technique used are purposive sampling with the sample from 18 months of bank financial statements. Earnings management are proxy by discretionary accruals that have been adapted to the characteristics of banking . Determination of the coefficient of earnings management was done by regressing total accruals which was calculated with the model Healy and Jones. Testing the influence of the earnings management and the effect of CAMELS ratio towards earnings management was done using the multiple regression. During research period show as variable and data research was normally distributed. Based on test, multicolinearity test, heterosskedasticity test and auto correlation test classic assumption deviation has no founded, this indicate that the available data has fulfill the condition to use multi linear regression model.This result of research shows to Governtment Bank,Variable NPM, positive significant influence toward earnings management. Ratio CAR and MR negative not significant influence,RORA,ROA,LDR positive not significant toward earnings management. to Private Bank,Variable ROA,NPM, positive significant influence toward earnings management. Ratio CAR and LDR negative not significant influence,RORA and MR positive not significant toward earnings management.

Bank Performance with CAMELS Ratios towards earnings management practices In State Banks and Private Banks

This study aimed to examine the influence of CAMELS ratio toward earnings management practices in state bank limited to PT Bank Negara Indonesia(Persero ), PT Bank BTN ( Persero),PT Bank Central Asia Tbkdan PT Bank ArthaGraha.This study used secondary data of monthly financial report of the state bank published by Bank Indonesia during 2012 and 2013. The sampling technique used are purposive sampling with the sample from 18 months of bank financial statements. Earnings management are proxy by discretionary accruals that have been adapted to the characteristics of banking . Determination of the coefficient of earnings management was done by regressing total accruals which was calculated with the model Healy and Jones. Testing the influence of the earnings management and the effect of CAMELS ratio towards earnings management was done using the multiple regression.During research period show as variable and data research was normally distributed. Based on test, multicolinearity test, heterosskedasticity test and auto correlation test classic assumption deviation has no founded, this indicate that the available data has fulfill the condition to use multi linear regression model.This result of research shows to Governtment Bank,Variable NPM, positive significant influence toward earnings management. Ratio CAR and MR negative not significant influence,RORA,ROA,LDR positive not significant toward earnings management. to Private Bank,Variable ROA,NPM, positive significant influence toward earnings management. Ratio CAR and LDR negative not significant influence,RORA and MR positive not significant toward earnings management.

ANALISIS KINERJA SAHAM-SAHAM INDIVIDUAL PERUSAHAANBUMN DI BURSA EFEK INDONESIAPERIODE JANUARI–DESEMBER 2010

The purpose of this study was to explain the individual stock returns, systematic risk of the stock, stock performance and stock performance ratings of BUMN’s stock that start from Januari to Desember 2010. The Stocks performance were analyzed by calculating stock performance that using Jensen approach (αJ), rank the result, starting from the largest positive value to the smallest. The highest return of the stock was 0,2248 and the higest systematic risk was 114,618, ie., PT Semen Gresik Persero stocks, the best performance of the stock was 0,0361, i.e., PT Bank Negara Indonesia Persero stocks, and the worst performance was -0,1015 i.e., PT Semen Gersik Persero stock. This research result can be used as an investor consideration in assessing the performance of the company stock incorporated in BUMN that can provide the benefit as expected and indicate low systematic risk.Keywords: Stock Return, systematic risk of the stock, stock performance, Jensen Index(αJ),BUMN

Penerapan Prinsip Mengenal Nasabah Sebagai Bentuk Peranan Bank Dalam Mengantisipasi Tindak Pidana Pencucian Uang (Money Laundering) Pada PT Bank Negara Indonesia (PERSERO) TBK CABANG PEKANBARU

Resistance against money laundering activities by the bank is basically a departure from the tradition of bank secrecy holds. In practice, money laundering activities almost always involve banks because of the globalization of banking so that through the payment system that is primarily electronic (electronic funds transfer), the proceeds of crime are generally in large quantities to flow or move even beyond national borders. Implementation of the principle of Know Your Customer as a form of role of banks in anticipation of money laundering (money laundering) in PT Bank Negara Indonesia (Persero) Branch Pekanbaru guided by the provisions of the applicable standard by which to be guided by BNI book specifically Book II Compliance Index: CO-Chapter 7-07: IV page: 1 s / d 10 Instruction: IV / 0078 / KPN dated August 9, 2005 on Anti-Money Laundering and Know Your Customer principles.