Proceeding

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    PENINGKATAN KINERJA PELAYANAN MELALUI KUALITAS PELAYANAN (SURVEY PADA KANTOR PEMERINTAH KABUPATEN BANDUNG BARAT)
    (Universitas Udayana, 2022-09-15) Suwandi, Yudi Wahyudin
    Tujuan penelitian ini adatah untuk menganalisis dan mengkaji tentang keterkaitan kinerja pelayanan Aparatur terhadap kualitas pelayanan. Metode Yang digunakan dalam penelitian adalah metode deskriptif dan verifikatif dengan menggunakan metode descriptive survey dan explanatory survey. penelitian ini meneliti data crossectional. vaitu informasi diperoleh dari responden secara acak di lokasi dan Yang terjaring sebanyak 87 responden. kualitas pelayanan memiliki pengaruh positif dan signifikan terhadap kinerja aparatur pemerintahanKabupaten Bandung Barat, dengan nilai koefesien regresi sebesar 0,595 dan nilai R2 (koefesien determinasi sebesar 0,354 atau 35,4% dan nilai errovar sebesar 0,646 atau Hal ini menunjukkan bahwa kinerja aparatur pernerintahan ditentukan Oleh kualitas pelayanan.
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    Tantangan Perbankan Syariah Indonesia Pasca Kebijakan Multiple-License Dan Solusinya
    (Lembaga Penerbit UPN "Veteran" Jakarta, 2021-01-06) Buchory, Herry Achmad
    Tujuan penelitian ini adalah untuk menganalisis Tantangan Perbankan Syariah Indonesia Pasca Kebijakan Multiple License dan Solusinya. Metode penelitian adalah metode deskriptif. Data yang digunakan adalah data sekunder dari laporan keuangan 11BUS dan 24 UUS per 31Desember 2012. Kesimpulan penelitian,dengan adanyaKebijakan Multiple License tantanganyang dihadapi Perbankan Syariah Indonesia adalah masalah permodalan bank, akan terjadi pengalihan kepemilikan bank, merger, penjualan bank kecil, gelombang kepemilikan asing, fluktuasi harga saham, perpindahan nasabah, downsizing BUS menjadi BPR, strategi penyaluran pembiayaan untuk sektor produktif khususnya untuk pembiayaan UMKM, dan terbatasnya perluasan jaringan kantor. Solusi yang ditawarkan adalah pemegang saham lama perlu melakukan penambahan modal baik dengan fresh money, meningkatkan sumber keuangan internal, mencari investor strategis atau menjual sahamnya melalui publik; Manajemen bank perlu melakukan penataan kembali asset liabilities yang dimilikinya; Strategi pembiayaan di tekankan kepada sektor produkitf;Pembukaan jaringan kantor agar tetap mempertimbangkan kelayakan bisnis; Bank umum syariah agar fokus dengan BUKU sesuai dengan skala usahanya; Untuk memelihara stabilitas harga saham, bank umum syariah dan unit usaha syariah harus meningkatkan kinerja;Perbankan syariah perlu meningkatkan kualitas praktek manajemen risiko dan good coprorate governance;Pemerintah dalam hal ini BAPEPAM dan OJK agar memberikan dorongan kemudahan peraturan bagi bank yang akan melaksanakan merger; Pemerintah agar meninjau kembali aturan kepemilikan bank oleh pihak asing yang membolehkan asing menguasai 99% saham perbankan; Didalam membuat ketentuan atau kebijakan sebaiknya BI dan OJK tidak menyamaratakan atau harus mempertimbangkan karakteristik masing-masing bank.
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    Banking Intermediation Performance, Asset Quality and Efficiency on Profitability (Study in Bank Tabungan Negara (Persero), Tbk. Period 2010 – 2016)
    (Universiti Kuala Lumpur (UniKL) Jalan Sultan Ismail, 50250 Kuala Lumpur Malaysia, 2021-01-05) Buchory, Herry Achmad
    The aim of this study is to analyze the effect of banking intermediation performance, assets quality and efficiency on profitability. Banking intermediation performance is measured by loan to deposits ratio (LDR), assets quality is measured by non-performing loans (NPL), efficiency is measured by the ratio of operating expense to operating income (OEOI) and profitability is measured by return on assets (ROA). The research methods used are descriptive and verification methods, with secondary data from financial statements of PT. Bank Tabungan Negara (Persero), Tbk. period 2010-2016. The data analysis technique used is multiple linear regression, while hypothesis testing uses T - test to examine the effect of partial variables with a significance level of 5 %. Based on the results, it is concluded that partially LDR has positive and significant effect on ROA; CAR has positive but not significant effect on ROA. NPLs haves negative but not significant effects on ROA; and OEOI has negative and significant effects on ROA; LDR, NPLs and OEOI significantly influence ROA with the level of 81.8%, while the remaining 18.2% is influenced by other variables not examined in this study.
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    Analysis Of Factors Affecting Implementation Banking Intermediation Function (Study On Regional Development Bank All Over Indonesia Year 2012 )
    (Society of Interdisciplinary Business Research & Universiti Kuala Lumpur Business School, 2021-01-05) Buchory, Herry Achmad
    Regional Development Bank in Indonesia was established to accelerate the growth of the economy. But in reality the contribution of BPD to Gross Domestic Product in 2012 was still relatively small, it is allegedly not optimal implementation intemediasi banking functions by BPD indicated by the Loan to Deposit Ratio (LDR) are still low. The purpose of this study was to analyze the factors that affect the implementation of intermediation include Capital Adequacy Ratio (CAR) , Net Interest Margin (NIM ) , the ratio of operating expenses to operating income (BOPO), Non Performing Loan (NPL), and Return on Assets (ROA) . The method used is descriptive and verification method, with secondary data from financial statements 26 all over Indonesian Regional Development Bank as a research object units. Data analysis technique is the multiple linear regression, hypothesis testing while using t - test to examine the effect of partial variables and test - F to examine the effect of variables simultaneously with a significance level of 5 %. Based on the results it is concluded that partial CAR, NIM, BOPO and ROA positive and significant effect on LDR. While the NPL but no significant negative effect on LDR. Simultaneously CAR, NIM, BOPO, NPL and ROA significantly influence the level of influence of LDR with 55.7 % and the rest is influenced by other factors not examined.
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    Financial Intermediation Efficiency And Its Impact On Profitability (Study In State Saving Bank In Indonesia)
    (AiBMA Management Sdn. Bhd., Malaysia, 2021-01-04) Buchory, Herry Achmad
    Abstract. Bank Btn As A State-Owned Saving Bank In Indonesia During The Period 2010- 2016 Has Been Carrying Out Financial Intermediation Function Optimally. It Can Be Seen From Ratio Of Loan To Deposit Ratio (Ldr) Is High Compared With The National Banking And Other State-Owned Banks. But The Increase In Ldr Is Not Followed By An Increase In Profitability. The Low Profitability Of Allegedly Caused By The Implementation Of Financial Intermediation Less Efficient Due To Credit Growth, Funds Structure And Credit Risk. The Aim Of This Study Is To Analyze The Determinants Of Financial Intermediation Efficiency Including Credit Growth (Cg), Funds Structure And Credit Risk. And Its Impact On Profitability. Financial Intermediation Efficiency Is Measured By Net Interest Margin (Nim), Funds Structure Is Measured By Ratio Time Deposits To Total Third Party Funds (Stpf), Credit Risk Is Measured By Non Performing Loans (Npls) And Profitability Is Measured By Return On Assets (Roa). The Methods Used Are Descriptive And Verification Methods, With Secondary Data From Financial Statements Of Bank Btn Period 2010 – 2016. The Data Analysis Technique Used Is Multiple Linear Regression, While Hypothesis Testing Uses T - Test To Examine The Effect Of Partial Independent Variables And F - Test To Examine The Effect Of Independent Variables Simultaneously. Based On The Research Results, It Is Concluded That Partially, Cg And Stpf Have Positive And Significant Effect On Nim; While The Npls Have Negative Effect But Not Significant On Nim; Simultaneously, Stpf, Ldr, And Npls Significantly Influence Nim With The Level Of 62.9%, While The Remaining 37.1% Is Influenced By Other Variables. And Nim Has Positive And Significant Effect On Roa With The Level Of 78.3%, While The Remaining 21.7% Is Influenced By Other Variables Not Examined In This Study.