Regional Development Banks Research Articles

Pengaruh Konflik Peran dan Ambiguitas Peran Terhadap Komitmen Independensi Auditor Internal

This study aims to assess and identify the influence of role conflict and role ambiguity and the independence commitment of internal auditors to work at the Regional Development Bank of North Sumatra, Nias Islands Region. Determination of respondents is done by purposive sampling, which is a sampling technique based on certain criteria. The number of questionnaires distributed was 35 questionnaires. This study uses simple linear regression. The results of the analysis in this study indicate that the role conflict and the ambiguity of each affect.

Pengaruh Motivasi Kerja, Budaya Organisasi, Dan Gaya Kepemimpinan Transformasional Terhadap Komitmen Organisasi Dan Kinerja Karyawan (Studi Pada PT.Bank Pembangunan Daerah Kalsel Cabang Rantau)

Every organization always has problems with human resources, so with the existence of these problems it is necessary to have high work motivation, organizational culture which is a reference for every leader and leader who has a transfrormational leadership pattern so that problems within the company can be overcome. This study aims to examine the effect of Work Motivation (X1), Organizational Culture (X2), and Transformational Leadership Style (X3) on Organizational Commitment (Y1) and Employee Performance (Y2) on PT. South Kalimantan Regional Development Bank Rantau Branch as many as 38 employees using sampling techniques saturated with quantitative method approaches. Data collection used a questionnaire while data analysis using Smart PLS Analysis. The results of this study in the form of Work Motivation (X 1 ) have a significant effect on Organizational Commitment (Y 1 ) with a large influence of 62, 3% are in the strong category, then Work Motivation (X 1 ) has a significant effect on Employee Performance (Y 2 ) with a large influence -27.6% are in a very weak category. Organizational Culture (X 2 ) has a significant effect on Organizational Commitment (Y 1 ) with a large influence 18.4% in the very weak category. Organizational Culture (X 1 ) has a significant effect on Employee Performance (Y 2 ) with a large influence of 26.8% in the weak category. Transformational leadership (X 3 ) has no significant effect on Organizational Commitment (Y 1 ) with a large influence of -3.4% in the very weak category. Transformational leadership (X 3 ) has a significant effect on Employee Performance (Y 2 ) with a large influence of -23 , 9% in the weak category and Organizational Commitment (Y 1 ) has a significant effect on Employee Performance (Y 2 ) with a large influence of -7.70% in the very weak category. Keywords: Work Motivation, Organizational Culture, Transformational Leadership Style, Organizational Commitment and Employee Performance

Orchestrating Regionalism: The Interamerican Development Bank and the Central American Electric System

AbstractWhy have Central American states been able to deliver public goods in the energy sector when most experiences of energy regionalism in Latin American have run into deadlock? Through process‐tracing the different factors that transformed the Central American Electric System (SIEPAC) from a policy‐idea into a fully operative supranational market, this article finds that the Interamerican Development Bank was the orchestrator of governments, national utilities, and extra‐regional state and market actors resulting in the production of energy infrastructure and improved energy security for Central American countries. Through three mechanisms—brokering, agenda‐setting, and assistance—the Interamerican Development Bank kept the cooperation agenda ongoing despite coordination problems and member states' divergent preferences. The article concludes that regional development banks are particularly well‐suited orchestrators of highly technical regionalism initiatives, such as energy integration, because they combine the input‐legitimacy of an intergovernmental organization, the know‐how of an epistemic community, and the resources of a bank. More research is needed to compare the role of various regional development banks in regionalism initiatives in the global South.

PENGARUH KECERDASAN EMOSIONAL DAN KECERDASAN SPIRITUAL TERHADAP KINERJA KARYAWAN PADA KANTOR PUSAT BANK PEMBANGUNAN DAERAH NTT

This research was conducted at the Head Office of PT. NTT Regional Development Bank. Thepurpose of this study was to determine the effect of Emotional Intelligence and Spiritual Intelligenceon Student Performance at the Head Office of PT. NTT Regional Development Bank. The dataanalysis technique used in this study is by conducting multiple regression tests. The results of thisstudy partially Emotional Intelligence has a positive and significant influence on employeeperformance at the Head Office of PT. The NTT Regional Development Bank and SpiritualIntelligence has not significant influence on employee performance at the Head Office of PT. NTTRegional Development Bank. Simultaneously Emotional Intelligence and Spiritual Intelligencehave a positive but significant influence on employee performance at the Head Office of PT. NTTRegional Development Bank. Emotional intelligence and spiritual influence, employee performancebut small. contributionTherefore the need to pay attention to management factors that can affectother dissimilar employee performance
 Keywords: Emotional Intelligence, Spiritual Intelligence and Performance

Marketing Strategy of Sharia Banking Products to Attract Public Interest in Transactions: Case Study at Jambi Regional Development Bank (BPD) Sungai Sungai Branch Office

Purpose:. Marketing is not difficult nor complicated. But, when it is not paid attention, it may impede the growth of the sharia (syariah) bank. Let alone with the dominant muslim population, the region development bank (BPD) will need to implement marketing strategies that will attract people to use syariah service.Design/Method/Approach : This field research uses a qualitative research approach because it leads to holistic circumstances and individuals.Findings: According to the results of the study, the marketing plan for syariah products in the syariah services of the Jambi Regional Development Bank (BPD) branch office Sungai Penuh offered to the customers is based on the needs of each product, in PLC (Product life cycle) it means the offers depend on what product is at the time. The strategies implemented in the Jambi Regional Development Bank (BPD) syariah services in Sungai Penuh branch office is to priotitize customers with low-cost fund rather than the deposits with high-cost fund. Of course,the implementation of those strategies will meet various obstacles in the development of the upcoming products. However, BPD also has contributing factors in selling its syariah products.Originality/Values: Case study—BPD Jambi is differenciation study when compare to others.

The impact of banking risk on regional development banks in Indonesia

Financial performance of a bank represents its financial condition for a certain period of time, either in relation to fund raising or fund allocation, which is usually observed for several indicators, such as capital adequacy, liquidity, and bank profitability. In banking industries, profitability is the most accurate indicator to measure bank performance. Instruments used to measure profitability are Return on Equity (ROE) and Return on Assets (ROA). In this study, the impact of banking risk is analyzed using the ratio of Non-Performing Loans (NPL), Net Interest Margin (NIM), the Loan-to-Deposit ratio (LDR), and the ratio of Operational Cost to Operational Income (OCOI/BOPO) on financial performance of regional development banks in Indonesia. The data used in this study were obtained from the annual reports disseminated on the website of each bank. The number of samples includes 26 Indonesian regional development banks for 2013–2015. The study includes 4 hypotheses for testing. The results show that simultaneously, NPL, NIM, LDR, and OBOI/BOPO are significant to ROA; while NPLs are significant and negatively affect ROA, NIM is significant and positively affects ROA, LDR is not significant and negatively affects ROA, and OCOI/BOPO is significant and negatively affects ROA. This means the banks should minimize the ratio of NPLs, LDR, and BOPO, as they have a negative influence on ROA. Conversely, banks should maximize the ratio of NIM since the latter has a positive effect on ROA.

Pengaruh Capital Adequancy Ratio, Net Interest Margin,Biaya Operasional Pendapatan Operasional Dan Loan Deposit Ratio Terhadap Non Performing Loan Di Pt. Bank Pembangunan Daerah Bali Tahun 2009 – 2017

NPL is one indicator in assessing the soundness of banks. This study aims to examine the effect of CAR, NIM, BOPO and LDR on Non Performing Loans at PT. Regional Development Bank of Bali in the count of I - IV in 2009 - 2017 using multiple linear analysis methods. The results of this study produce an F Test which all independent variables (CAR, NIM, BOPO and LDR) have a liner / influence with NPL variables and partially, CAR has a significant and significant effect on NPL, NIM has a positive and not significant effect on NPL, influential BOPO positive and significant effect on NPL and LDR positive and not significant effect on NPL.

Realising Climate Reparations: Towards a Global Climate Stabilization Fund and Resilience Fund Programme for Loss and Damage in Marginalised and Former Colonised Societies

In response to global climate breakdown and the financial and macro-economic instability that underpins the current era of the Anthropocene, climate reparations represent an important remedy for the Global South. While not a new concept, climate reparations offer an appropriate encompassing philosophical and policy apparatus for first coming to terms with the magnitude of climate breakdown associated with the fallout from the climate crisis, and second for mounting a response that applies a framework that has history and ethics at the centre. This policy paper offers analysis of the current and historical factors that give rise to the necessity of, and an action agenda for realising climate reparations, namely the interrelated effects of colonialism and the disproportionate role of former colonising powers in greenhouse gas emissions. Through an examination of the macroeconomic character and repercussions of the climate crisis, relevant data and financial needs associated with ongoing long-term loss and damage especially of formerly colonised regions and marginalised societies, the paper offers two policy solutions - a Global Climate Stabilization Fund that effectively replaces any role the current International Monetary Fund have regarding climate change governance and a Resilience financing scheme for loss and damage. Ex-colonial regions face an extremely uncertain and volatile future and because of their economic and institutional vulnerabilities, current mechanisms and policy tools have fallen far short of their needs and fail to recognise the historical condition of their colonisation as cause for growing social and economic inequities borne and aggravated by the climate crisis. In response, this paper sets out the argument for a global climate stabilisation and resilience programmes through which climate reparations can be materialised. In addition, climate stabilization requires appropriate democratic and institutional structures at the multilateral, regional and national levels. As such, the paper discusses governance arrangements and fund and programme leadership comprising civic groups and developing-country governments and organisations. At the national and regional level, central banks and regional development banks will play a critical role to localise the institutional relationships and fast-track funding disbursements in response to climate-induced events and disasters that affect livelihoods, agriculture, increased displacement, and a range of other needs and social and economic support systems. This paper thus explores and offers a starting point for a policy framework around macroeconomic effects and financial instability borne and aggravated by climate change that offers an important case for climate reparations for the Global South.

Will development finance institutions revive in India? Should they?

Recent years have seen a resurrection of development banks worldwide. Their disbursements increased faster than those of private institutions. New national, regional and multilateral development banks were set up. FinDev in Canada (2017), Societe de Financement Local in France (2013), PT Sarana Multi Infrastruktur in Indonesia (2008) and Development Bank of Nigeria (2013) are examples of new national development banks. Some others substantially increased their capital. The Asian Infrastructure Investment Bank, a multilateral development bank with a mission to improve social and economic outcomes in Asia commenced its operations in January 2016. The New Development Bank was established in 2014 to support infrastructure and sustainable development efforts in BRICS and other emerging economies. Policy-makers and academics reassess the evaluation of these institutions. This new wave is a reaction to the more pronounced failures of capital markets following the global financial crisis. Governments recognized that lending by state-owned banks was countercyclical, it helps to mitigate adverse effects of the crisis and plays a bridging role between savings and financing needs. For a number of years now there has been intensified discussion of the need to establish a national development or long term credit bank in India. This move would open a new chapter in the eventful history of Indian development banks. There were times when they were considered essential in India’s catching up with more advanced economies. There were other times when it was believed that private sector actors could successfully take over functions from development institutions. This paper attempts to put the changes in appraisal in context and take a stand in the discussion on the establishment of a new long term finance institution in India. The second part of the paper gives a brief summary of the economic argument for development finance institutions in general. The third part deals with the hopeful start of these institutions following India's independence. The fourth part discusses the demise caused by the financial reforms of the 90s. The fifth part is devoted to conclusions, lessons and recommendations.

Fluctuation in Profitability by Regional Development Banks in Indonesia

Fluctuation in Profitability by Regional Development Banks in Indonesia

Pengaruh Peraturan Bank Indonesia Tentang Kredit UMKM Terhadap Total Kredit, Rasio Kredit Umkm, Risiko, Efisiensi dan Profitabilitas Bank Pembangunan Daerah

This research aims to analyze the effect of Bank of Indonesia Regulation on Micro, Small, and Medium Enterprises (MSME) loans towards the Loan Disbursed, MSME Loan Ratio, Risk, Efficiency, and Profitability of Regional Development Banks. This research analyzes the financial data from 10 BPDs over 10 years period to understand the Loan Disbursed, MSME Loan Ratio, Risk, Efficiency, and Profitability of the BPDs before and after the implementation of Regulation Number 14/22/PBI/2012. The financial data were analyzed using the Paired-Sample t-test. Findings show that the overall loan disbursed by BPDs in the period of 2013-2017 or after the Regulation on MSME loans was implemented, is higher than that in the period of 2008-2012 or before the regulation was implemented. However, while the regulation aims to increase the MSME loan disbursed by the banks, the MSME Loan Ratio in the period of 2013-2017 was lower than that in the period of 2008-2012. The Risk, measured by Non-Performing Loan, in the period of 2013-2017 was also increased. The regulation also affects the profitability of the BPDs negatively. The Efficiency, measured by Operating Expenses Operating Income, was not significantly affected by the regulation. The results may inform the regulators to assist the BPDs in responding to the regulation so it could affect BPDs in a more positive way. This may also inform the banks on their financial conditions so they can plan for strategic approaches and develop appropriate schemes on disbursing MSME loans.

Pengaruh Kualitas Layanan terhadap Kepuasan Nasabah Mobile Banking pada Bank Pembangunan Daerah Provinsi Sumatera Barat

This study aims to analyze the effect of reliability, responsiveness, assurance (assurance), empathy (empathy) and direct evidence (tangibles) on satisfaction of mobile banking customers at the Regional Development Bank of West Sumatra Province. The research design is correlational. The population in this study were all Sharia banking customers in Surakarta City, a sample of 100 mobile banking customers at the Regional Development Bank of West Sumatra Province with a proportion of rendom sampling as a sampling technique. Data analysis in this study used multiple linear regression (multiple regression analysis). The results showed that there was no tangible variable effect (X1) on customer satisfaction of the Regional Development Bank of West Sumatra Province. No effect on reliability variable (X2) on customer satisfaction of the Regional Development Bank of West Sumatra Province. There is no effect on the responsiveness variable (X3) on customer satisfaction. There is the effect of assurance variable (X4) on customer satisfaction. There is the influence of the empathy variable (X5) on customer satisfaction.

Банки развития и их роль в реализации инвестиционных программ

Many questions of theoretical and applied economics concerning finances remain topical and controversial. The discussion field is still wide and varied. However, the existing practical and theoretical demand for studying the features of regional development banks and their importance in the process of implementation of investment programs is growing. Therefore, the issue of the article can be considered topical. In this article, the study’s topicality is proved, its scientific novelty as well as practical importance are defined, and the conceptual basis of the development banks in the field of investment policy of the state are considered.

Analysis of Financial Performance of BUMD Banks in Indonesia

This study aims to obtain an explanation and in-depth understanding of the financial performance of regional development banks in Indonesia. Financial performance is measured using Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), Operating Expenses compared to Operating Income (BOPO), Return on Assets (ROA), and Loan to Deposit Ratio (LDR) ). The specific target of this research is to contribute to the teaching material of financial statement financial analysis, while in the long run the results of this study can be used as a reference for subsequent studies, especially in the field of financial accounting. To achieve this goal, the study was conducted using a quantitative research model with descriptive analysis, of 27 regional development banks registered with OJK. From the analysis it was found that the financial performance of BUMD banks during the observation year still showed an unstable and not as expected movement Keyword s : Regional Development Bank, BUMD, Financial Performance. DOI : 10.7176/EJBM/12-3-19 Publication date: January 31 st 2020

The Role of Infrastructure Loan in the Regional Development Bank

This paper aims to examine the role of infrastructure loan in Indonesian regional development banks. This research further analyze the relationship between types of loan and NPL. The paper employs the approaches of simulation and panel data regression on a sample of 24 Indonesian regional development banks over 2009 to 2016. It examines the financial performance of bank that have not offering infrastructure loan. It further simulates the financial performance of the bank when infrastructure loan is offered, and compares it to the initial financial performance. The results found that the banks perform better when they provide infrastructure loan than without such loan. However, the better performance of the banks in profitability and cost management is a result of the trade-off with lower liquidity. Our finding based on panel data regression indicates that Working Capital Loan and Consumptive Loan are the main contributors to the NPL. However, there is an indication that the increased in long term loan that includes infrastructure loan able to reduce the NPL.

The Role of Infrastructure Loan in the Regional Development Bank

The Role of Infrastructure Loan in the Regional Development Bank

Regional development banks: international legal aspects of activity

The international banking system serves as the institutional basis for the functioning of the global financial markets. Being in the process of continuous development is its characteristic feature. Each international banking institution has its own specificity and structure. The purposes of their creation and the main functions are defined by their statutes, rules, and founding acts. Despite the diversity of the subject maps of the international banking system, they share a common goal – developing cooperation and ensuring the integrity and stabilization of the world economy, regulation of international economic relations, and ensuring the transnational movement of funds. Legal analysis of statutory activities of international regional development banks, and forms of their interaction. The first among the international regional development banks is the European Investment Bank (EIB), which was founded in 1958 by EU Member States. According to the Bank’s Statute, the objectives of the Bank are to develop the common market by investing funds in the development of Member States’ economies. A legal analysis of the EIB’s purpose, function and structure demonstrates that a regional financial institution was established in the European Region, which by its very nature is an international development which serves as a development not only in relation to EU Member States but also to other European countries. Changes in the geopolitical and economic situation in Europe in the late 1980s – early 1990s were one of the reasons for the creation of the European Bank for Reconstruction and Development, a fundamentally new interstate financial structure that had no analogues concerning either its founders or their goals and methods before. The aim was to create a single lending center for both the public and private sectors of the economy: cooperation between different departments of one international organization should be less complicated than cooperation between two international organizations. Having included the word bank in the Preamble to the Agreement, the Contracting Parties stated that they were establishing a multilateral financial institution that would help to achieve these goals, and create a new and unique structure for cooperation in Europe. With a European Development Bank in the European Region, the EIB, Member States have combined the capabilities and finances of an existing development with a new financial institution, which by its legal nature is a development – EBRD. Membership of two international organizations in an international regional development simultaneously is a new thing in the international banking law. In fact, the European Union is a member of the EBRD three times: EU Member States are members of the European Investment Bank and also members of the EBRD.The creation and operation of European development banks is a sample of interaction forms between international regional development banks, and integration processes observed in the international financial system, within which the international law performers solve current problems, in particular in the political and financial spheres.The article is devoted to the legal analysis of the activities of international regional development banks, forms of their interaction. The purpose, goals, functions, structure of regional development banks are investigated. Forms of their interaction are considered

Reformulation of the Role of Regional Development Banks as Agents of Regional Development: A Reflection on the Regional Development Program and the Transformation Program of Regional Development Banks in Indonesia

Reformulation of the Role of Regional Development Banks as Agents of Regional Development: A Reflection on the Regional Development Program and the Transformation Program of Regional Development Banks in Indonesia

Funding Economic Development and the Role of National Development Banks - The Case of Cyprus

The paper draws on previous research on the role of Multilateral Development Banks (MDBs), Regional Development Banks (RDBs) and National Development Banks (NDBs). It examines the role of the Cyprus Development Bank (CDB), prior its privatisation in 2008, in the economic development of the country and, specifically, its intermediation of international finance from multilateral and regional development banks. Currently, this function is undertaken by the commercial banks, which are however limited by a balance sheet fatigue, resulting from the excessive levels of private debt, as shown in this paper. Moreover, the commercial banks lack necessary elements in successfully executing this key role. They do not have the professional competence as well as the discipline and culture for executing such a highly demanding role in the economy. Last but not least, and judging from the experience of the CDB it is imperative to have a totally independent and competent financing institution, which will lead by example. Further to the analysis of the current macroeconomic and institutional context in Cyprus, there is a void of institutional capacity to fund projects and offer valuable advice to state and private decision-making bodies on decisive development projects. This paper recommends the establishment of an NDB or a National Development Finance Agency (NDFA), and proposes an appropriate model.

Pengaruh Orientasi CSR, Sikap, Dan Kompetensi Terhadap Peran Karyawan Pada PT Bank Pembangunan Daerah Jawa Timur Tbk Surabaya

This study aims to find out and explain the influence of CSR Orientation, Attitude, and Competence on the Role of Employees at PT East Java Regional Development Bank Tbk Surabaya. This study uses a quantitative approach to employees using the Probability Sampling sample, namely the Proportionate Stratified Random Sampling of 62 employees. Statistical analysis used is Structural Equational Modeling (SEM) through SmartPLS Software version 3.2.8. The results of this study indicate that CSR orientation has a significant positive effect on the Role of Employees, Attitudes have a significant positive effect on the Role of Employees, while Competence does not significantly influence the Role of Employees.