Regional Development Banks Research Articles

Language Education for Development: Enhancing Regional Banks' Performance through Illocutionary Speech Act Mastery in Indonesia

This study aims to explain how language plays a significant role in improving the performance of regional development banks in Indonesia. The method used was qualitative with a questionnaire instrument involving 6 regional development banks in Indonesia. Some of the main findings are 24 statements were found, 19 of which fall into 5 categories, namely assertive illocutionary speech acts, directive illocutionary speech acts, expressive illocutionary speech acts, commissive illocutionary speech acts, and declarative illocutionary speech acts. In its implementation, the process emphasizing the humanistic approach scored over 90%. By prioritizing language training initiatives that emphasize the mastery of illocutionary speech acts, regional banks in Indonesia can expect improved operational efficiency, strengthened customer relationships and a more strategic approach to communication, contributing to the overall development and success of the banking sector. This study is limited to the context of only one type of bank, the regional development bank. It is further suggested that there is a strong need to provide adequate and timely capacity building for the employees of regional development banks, particularly in language training as part of public service and satisfaction development.

Digitalization and diversification strategies for effective bank liquidity management in emerging markets

The purpose of this study is to examine the impact of income, assets, and geographic diversity on bank liquidity in the Indonesian banking sector. This study uses purposive sampling and multiple regression analysis (MRA) to investigate the impact of digital banking on bank liquidity, as measured by the loan-to-deposit ratio (LDR) and liquidity ratio. The sample used is 87 banks in Indonesia, which include state-owned banks, commercial banks, regional development banks, and Islamic banks. The key findings of this study indicate that income and asset diversification significantly affect bank liquidity, with income diversification having a negative effect on the Loan-to-Deposit Ratio (LDR). The use of digital banking simplifies the relationship between diversification strategy and liquidity, thereby improving banks' ability to manage liquidity. However, despite digital integration, asset diversification continues to show an adverse correlation with liquidity, indicating limitations in its effectiveness. The study concludes that while digital banking enhances the effect of income diversification on liquidity management, it limits its effect on asset diversification. This suggests that digital utilization is a strategic resource for increasing liquidity, although it requires focused implementation. These findings offer important insights for bank management and policymakers in formulating digital transformation plans that enhance efficient cash management and financial stability, particularly in developing countries like Indonesia. Keywords: income diversification, asset diversification, digital banking, bank liquidity, financial stability.

Analyzing the Impact of Cost of Funds and Non-Performing Loans on Bank Profitability

The research was conducted to see how cost of funds (COC), and non-performing loans (NPL) on profitability is measured by return on assets (ROA). The research method used is descriptive and verification methods. Secondary data is sourced from Regional Development Banks of West Java and Banten Provinces in Indonesia quarterly financial reports for 2014 – 2022, while the data analysis technique uses multiple linear regression analysis. The results of the research are that COF and NPL has a negative and significant effect on ROA. Simultaneously, COF and NPL have a significant effect on ROA. The results of this research are useful for bank management in determining funding strategies with low cost of funds, and credit management strategies so that non-performing remains healthy.

Designing an Integrated Performance Management System for a Regional Development Bank in Indonesia

Designing an Integrated Performance Management System for a Regional Development Bank in Indonesia

Determinants of Customer Satisfaction in Mobile Banking: a PLS Analysis of DG Bankaltimtara Application Users

This study was conducted with the aim to determine and analyze the effect of using DG Bankaltimtara mobile banking application on Customer Satisfaction of PT East Kalimantan and North Kalimantan Regional Development Bank Balikpapan Branch Office. The population in this research is 15,960 customers who use DG Bankaltimtara. Researchers took a sample based on the Slovin formula of 390 respondents. The type of data used is primary data sourced from questionnaires presented in the form of a Likert scale. Data analysis in this study used descriptive analysis methods with the help of the Partial Least Square (PLS) application with the SmartPLS version 3.0 program. The results of this study were obtained using the PLS Evaluation Model to show the effect of using the DG Bankaltimtara Mobile Banking Application on Customer Satisfaction. Ease of Service Users, Credibility of Banking Service Companies, and Transaction Speed are three variables that affect Customer Satisfaction in using Mobile Banking DG Bankaltimtara. However, the System Security variable has no effect on Customer Satisfaction in using Mobile Banking DG Bankaltimtara.

The Impact of the COVID-19 Pandemic on Banking Liquidity: A Case Study of Various Bank Types in Indonesia

This study aims to examine the condition of banking liquidity in Indonesia during the COVID-19 pandemic, utilizing linear regression to analyze factors influencing the liquidity of commercial banks in Indonesia from March 2020 to June 2023. The dependent variable used is the Loan Deposit Ratio (LDR), while the independent variables include Capital Adequacy Ratio (CAR), Return on Assets (ROA), Non-Performing Loans (NPL-gross), and Credit Restructuring Ratio to total Credit. The results reveal that CAR has a significant negative effect on the liquidity of Regional Development Banks (BPD), State-Owned Enterprises (BUMN), Private Banks, and Overseas Bank Branch Offices (KCBLN). Conversely, ROA has a positive and significant impact on state-owned banks but is not significant for BPD, private, and KCBLN banks. The NPL ratio does not significantly influence liquidity across all types of banks. Credit Restructuring Ratio negatively affects BPD and positively affects KCBLN, but it does not have a statistically significant effect on State-Owned and Private Banks. This research is unique as it is the first to examine commercial banks in Indonesia during the pandemic, providing valuable insights into the factors affecting bank liquidity during this period. The findings highlight the importance of maintaining adequate capital and profitability to support bank liquidity, especially during economic crises.

Creating shared values as a new paradigm of Corporate Social Responsibility

Background: Bank Sumsel Babel is faced with demands to focus on not only financial growth but also the positive impact on social and environmental fronts. The evolution of Corporate Social Responsibility (CSR) to Creating Shared Value (CSV) reflects a paradigm shift. As a regional development bank, Bank Sumsel Babel faces the demand to adopt CSV as an integral part of its CSR strategy to create a positive impact on society and the environment in the South Sumatra and Bangka Belitung regions. Purpose: This research explored the company’s strategy in implementing the Creating Shared Value (CSV) program as a new paradigm of CSR at Bank Sumsel Babel and analyzed the program publication to improve its reputation. Methods: This research used a descriptive qualitative research method to see the implementation of CSV at Bank Sumsel Babel. The researchers obtained data through interviews, observations, and document analysis. Results: Bank Sumsel Babel has successfully integrated the CSV approach into its CSR activities, particularly through the Bina Mitra program. This program has helped the bank address social issues such as education and community development and enhanced its business performance by building trust and loyalty among stakeholders. Conclusion: Companies can implement CSV-based CSR in some areas, while in other areas, they can use more traditional approaches, such as philanthropy or donations, to achieve a positive social impact. Implications: Bank Sumsel Babel can improve business performance and bring a positive impact on society through Creating Shared Value (CSV) programs as part of its CSR strategy.

The Effect of Current Accounts, Savings and Time Deposits on Banking Credit: A Case Study of Regional Development Banks (RDB) in Indonesia

This study aims to examine the effect of Current Accounts, Savings, and Time Deposits on Banking Credit of Regional Development Banks (BPD) in Indonesia. The data in this study are in the form of quarterly reports from Regional Development Banks (BPD) in Indonesia. Current Accounts, Savings, and Time Deposits on Banking Credit of Regional Development Banks (BPD) in Indonesia is expected to be evident in 2019–2022. The research method used is the panel regression method. The outcomes show that current accounts, savings and time deposits influences the credit of bank BPD. R Settled 0.994461 current accounts, savings and time deposits factors influence bank credit. The Adjusted R Squared value of 0.994461 indicates that the independent variables can explain the dependent variable 99.44% of the time, while other factors not included in the model have an impact on the remaining 0.5539%. This means that 99.44% of the variable Savings and Time Deposits can predict bank credit, while the remaining 0.5539 percent is impacted by other factors not investigated in this study. This result serves as a warning to BPD banks in each province to be careful in extending credit to customers, because when credit increases, current accounts, savings and time deposits also increase. And if credit decreases, it's the other way around. This means that the higher the credit given to customers, the banking income will also increase with the help of increased current accounts, savings and time deposits. The significance and implications of the results of this research can provide an illustration that although regional banks (BPD) still have an impact on the Indonesian economy even though they only provide samples in the form of savings products.

The Role of Regional Development Banks (BPD) In Enhancing Community Welfare: A Case Study in West Kalimantan

Regional banks, known as Bank Pembangunan Daerah (BPD), play a vital role in regional economic development in Indonesia, particularly in supporting micro, small, and medium enterprises (UMKM) and various local development programs. This study focuses on the BPD in West Kalimantan, examining its contribution to economic development and community welfare. Utilizing a literature review methodology, we analyzed various studies and data from 2010 to 2017, highlighting the performance and impact of Bank Pembangunan Daerah Kalimantan Barat (Bank Kalbar). The findings reveal significant growth in Bank Kalbar's assets, third-party funds, and credit disbursements, reflecting its commitment to supporting UMKM. Additionally, the bank’s initiatives in sustainable finance, corporate social responsibility (CSR), and inclusive finance have enhanced local economic development and social infrastructure. Programs aimed at promoting technopreneurship, financial inclusion, and environmental sustainability have bolstered community welfare, demonstrating the bank's role in improving living standards and environmental conservation. The study underscores the importance of Bank Kalbar’s role in providing financial services and support for local communities, contributing to economic resilience and poverty alleviation in West Kalimantan. Furthermore, the research highlights challenges faced by BPDs, including the need for better regulatory support and operational efficiency. The study concludes with recommendations for optimizing the role of BPDs in sustainable development, emphasizing the importance of effective governance, risk management, and community engagement to enhance their impact on regional development and welfare.

Analisis Yuridis Potensi Perubahan Nomenklatur Serta Bentuk Hukum Bank Pembangunan Daerah Kalimantan Barat Literature Review: Juridical Analysis Of Potential Changes In The Nomenclature And Legal Form Of The West Kalimantan Regional Development Bank

Perseroda West Kalimantan Regional Development Bank or "Perseroda Bank" is a Regional Company Company, West Kalimantan Regional Development Bank which will be formed based on the provisions of this PERDA Regional Companies are all companies whose capital is wholly or partially constituted as excluded regional assets, unless otherwise determined by or based on law. The aim of Regional Companies is to participate in implementing Regional development, especially in national economic development, to meet the needs of the people by prioritizing peace and enjoyment of work within the company, towards a just and prosperous society. Management of Regional Companies is in the hands of Regional Company administrators who are responsible to the Regional Head, the responsibility of the Regional Head is as owner and manager.

The Influence of the Work Environment and Work Facilities on Work Productivity Through Work Morale as an Intervening Variable at PT. Jambi Regional Development Bank Sarolangun Branch Office

The work provided by the company is required to be done quickly and precisely in today's increasingly advanced technological era. Changes are occurring in various fields, especially in the industrial world. Without carrying out responsive and adaptive transformation, companies risk being unable to maintain their business model and this effort is to prevent technological disruption. In this era of industrial revolution 4.0, competition in various fields cannot be avoided. All organizations, both social and economic, utilize technological advances to meet needs and be able to compete. All parties adapt to technological advances or ongoing trends so that they can survive and be able to compete. In line with the aim of surviving and being able to compete, the productivity of the organization is also expected to be effective and maximal.

The Effect of Third Party Funds and Assets on Profits at PT. Riau Kepri Syariah Regional Development Bank

The Effect of Third Party Funds and Assets on Profits at PT. Riau Kepri Syariah Regional Development Bank

Banking competition in Indonesia: does Fintech lending matters?

PurposeThis paper aims to examine how the rise of financial technology (Fintech) lending affects bank competition. Moreover, this study also identifies the structure of Indonesian commercial banking sector and the different behaviour of competition among bank groups (based on their size, type and ownership) and the joint impact of COVID-19 due to the rise of Fintech lending.Design/methodology/approachUsing an unbalanced panel data set of 118 commercial banks in Indonesia over the period 2018–2022, both static panel and 2SLS/IV data analysis were used and found that random effect model is the best model.FindingsThe results show that the Indonesian commercial banking sector can be considered as monopolistic competition. Moreover, using the Lerner index reveals that the entry of the Fintech lenders increases bank competition. Furthermore, there were different responses to the impact of Fintech lending on bank competition among state-owned banks, private banks, regional development banks and foreign banks. Greater efficiency and stability lead to greater market power. In the meantime, higher level of asset growth, capitalisation and cost-to-income ratio increase the competition. Lastly, higher bank credit growth and lower inflation boost overall bank competitiveness.Practical implicationsThis study highlights some policy recommendations for commercial banks to be aware of the coming of Fintech lenders because they have started to increase the market competition. The government should create a more collaborative ecosystem between banks and Fintech lending to anticipate unhealthy competition.Originality/valueThis study will contribute to the literature by expanding the determinants of bank competition by considering the rise of Fintech lending in the market.

Analisis Yuridis Penerapan Perlindungan Hukum dalam Melindungi Pengguna Layanan Internet Banking dari Cyber Crime

The purpose of this research is to analyze the juridical application of legal protection in protecting internet banking service users from cyber crime. This research is a type of empirical juridical research, or called field research, which examines the applicable legal provisions and what happens in the reality of society. Empirical juridical research is legal research on the enactment or implementation of normative legal provisions in action on every legal event that occurs in society. The results of this study show: (1) The implementation of legal protection provided by the East Nusa Tenggara Regional Development Bank has not been fully implemented properly because victims have not felt protected by the regulations implemented by the East Nusa Tenggara Regional Development Bank. (2) The responsibility of legal protection provided by the Regional Development Bank of East Nusa Tenggara is to follow up and examine complaints of problems of victims of cyber crime and will examine all transactions that occur and carry out legal protection responsibilities by providing assistance and reporting problems that occur to be followed up according to applicable laws and regulations. In accordance with the results of this study, it is hoped that there will be an increase in legal protection and a quick response to users of internet banking services and a form of legal protection that is specifically regulated to protect customers from increasingly widespread cyber crime.

Analisis Penerapan Sistem Informasi Akuntansi Dalam Menunjang Efektivitas Pengendalian Internal Pemberian Kredit Pada Bank Pembangunan Daerah Jawa Barat Dan Banten, Tbk KCP Jampang Kulon

This study aims to find out 1) know the application of accounting information systems, 2) know the application of accounting information systems for lending 3) know the application of effective internal control systems at PT. Regional Development Bank of West Java and Banten, Tbk KCP Jampang Kulon. The type of research used is a descriptive qualitative method, where this research data is obtained from direct observation and interviews with Bank BJB and obtained from documents related to this study. The results of this study show that the accounting information system at Bank BJB KCP Jampang Kulon has been implemented and most of them are good enough according to the provisions at Bank BJB and have fulfilled the elements of the accounting information system components. However, there are weaknesses in the system used, namely there are still problems that occur such as errors and also the sharing of accounts with other users so that it can result in errors in transactions and the blame party is the owner of the account. As for the accounting information system for lending, it has also been implemented in accordance with the lending procedure at Bank BJB KCP Jampang. In addition, the internal control system of Bank BJB KCP Jampang Kulon has also been implemented and most of them are effective and have fulfilled the internal control components according to COSO. In practice, the components that are run are effective, but the LMS system used is still not effective because there are still errors and there are still sharing SLIK accounts with other KCPs so that it can hamper the SLIK submission process.

Analisis Rasio Biaya Dana Pada (Studi Kasus) Laporan Keuangan PT BPD Jawa Timur

The role of banking currently has enormous power in the financial system, and has even become a key element in driving a country's economic progress. Banking institutions are business entities that operate in the financial sector or provide financial services. One form is the Regional Development Bank (BPD), which is owned by the provincial or district/city government of Indonesia. Fundamental role as a supporter of regional economic development by providing financial and banking services. BPD East Java is an example of a Regional Development Bank owned by the East Java Provincial Government. This research focuses on analyzing the financial reports of BPD East Java from 2020 to 2021

Tinjauan Atas Prosedur Flagging Peserta Taspen Dalam Rangka Pengajuan Kredit

Flagging is the giving of a sign or binding to a customer so that the customer is not easily moved or taken over by a bank or other financial institution as long as the customer still has loans at the related bank. The process of marking or binding is carried out on the related bank database system for verification by the first party.The purpose of this research is to find out the Flagging Procedures for Taspen Participants in the Context of Applying for Credit at PT. West Java and Banten Regional Development Bank, Tbk. KCP Cicurug. In order to achieve clear and directed research objectives, the authors formulate the problems that will be discussed regarding the flagging procedure for Taspen participants in the context of applying for credit, the flagging procedure for Taspen participants in the context of applying for credit is in accordance with the SOP of Bank BJB KCP Cicurug.Based on the results of the research and discussion, the flagging procedure for Taspen participants in the context of applying for credit at Bank BJB KCP Cicurug is carried out simultaneously with the credit agreement. Debtors who are participants in this taspen only need to fill out an approval form or a flagging form when the debtor enters into a credit agreement. Flagging carried out by Bank BJB KCP Cicurug is carried out for Civil Servant debtors who have a fixed salary and as taspen participants who will later be bound by Bank BJB KCP Cicurug so that these debtors cannot move to other banks or institutions as long as they still have loans at Bank BJB KCP Cicurug. Flagging is carried out by Bank BJB KCP Cicurug officers through the flagging.taspen.co.id website. Then when Bank BJB KCP Cicurug officers flagged a debtor, the data filled in must be in accordance with the form filled out by the previous debtor so that the flagging carried out for the debtor is approved by the first party.

The Relation between Job Stress, Job Satisfaction and Organizational Commitment (Study on Employees of Bank Pembangunan Daerah Bali Mangupura Branch)

This research aims to analyze the relationship between work stress, job satisfaction and employee organizational commitment at the Mangupura Branch of the Bali Regional Development Bank. This research used a sample of 85 employees. The method used in this research is a survey method using questionnaire and interview techniques with descriptive statistics and inferential path analysis statistical analysis tools. The research results show that work stress has a significant negative effect on organizational commitment. Job satisfaction has a significant positive effect on organizational commitment. Job Stress has a significant negative effect on job satisfaction. Job satisfaction mediates the effect of job stress on organizational commitment. The implication of this research is to prove the social exchange theory and its relationship to the research variables. This research also offers the benefits of job satisfaction, managing work stress on organizational commitment.

ANALISIS TINGKAT RISIKO BANK PADA BANK PEMBANGUNAN DAERAH DI INDONESIA

This study aims to analyze the level of risk in Regional Development Banks in Indonesia. This study intends to examine and map the risk of banks in BPD in Indonesia. In this analysis, the level of bank risk is measured using Z-Score (Z score). The data used in this study are panel data of observations from 26 Regional Development Banks in Indonesia over the past 20 years (2001-2021) which are divided into four clusters, namely the Sumatra Cluster, the Java, Bali and Nusa Tenggara Cluster, the Kalimantan Cluster and the Sulawesi and Eastern Indonesia Cluster. The data analysis technique used is using the Anova Test with the help of the SPSS program. The results of this study concluded that: 1) Bank risk in BPD Sumatra region has the same level of stability as BPD in Java, Bali & Nusa Tenggara. 2) Bank risk in BPD in Kalimantan region has the same level of stability as BPD in Sulawesi & Eastern Indonesia region.

PENGARUH LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN, DEBT TO EQUITY RATIO, MANAJEMEN LABA TERHADAP KINERJA KEUANGAN BPD 2018-2022

This research aims to analyze the influence of financial ratios and earnings management on bank financial performance which is projected using ROA. Financial ratios include LDR, NPL, DER. This research usesnon-probability sampling with typepurposive sampling to retrieve population data from the financial reports of Regional Development Banks registered with the OJK for 2018-2022. The data analysis methods used are descriptive statistics, classical assumption testing, multiple linear regression analysis, hypothesis testing and determinant coefficient analysis (R2). The results of this research show that the NPL variable partially influences financial performance, while the LDR, DER and earnings management variables have no influence on financial performance. Meanwhile, simultaneously the LDR, NPL, DER and earnings management variables have no effect on financial performance. Based on the results of the coefficient of determination (R2), the contribution of the independent variable to the dependent variable has a value of 34.1%.