Deddy P. Koesrindartoto
School of Business and Management, Institut Teknologi Bandung

Published : 6 Documents
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Strategi Ekspansi Penyaluran Kredit UKM (Studi Kasus PT Bank BJB tbk) Hidayat, Ayat; Koesrindartoto, Deddy P.
The Indonesian Journal of Business Administration Vol 2, No 5 (2013)
Publisher : The Indonesian Journal of Business Administration

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Abstract

Data of Bank Indonesia stated that Small Medium Enterprises (SME) loan portfolio by the end of April 2012 amounted to 20.65% of the total national banking loans. Currently the banks, ranging from the state owned banks, private banks, rural banks (BPR), joint venture banks, to foreign banks are competing to grab SME market. The reason is that the SME sector is a profitable and huge market. Bank BJB is one of the commercial banks based in West Java, where in the region, small medium enterprises are growing. It is opportunity of Bank BJB to focus on expanding its SME loans to the region. Existing strategies that adopted by Bank BJB is by opening new branch offices, channeling strategy and acquiring of existing BPR. This study aims to compare the three strategies above in terms of strength, weakness, opportunity and threat that likely occur. Method of analysis to be used is SWOT analysis. Once known Strength, Weakness, Opportunity and Threat for each strategy, then use the TOWS matrix to map out the existing strategy that fits with the use of strength, weakness, opportunity and threat for SME lending expansion of Bank BJB. CAMELS ratio will be used to measure the performance of BPR while Discounted Cash Flow (DCF) is method to valuate the value of BPR. Based on the results, it can be seen that strategy of opening a new branch has strength in terms of management authority which head office can control loans quality of the branch office while the weakness is difficult to find a strategic location for new branch office and it needs big initial investment. Strategy of opening new branches will remain to continue, especially in the district and sub-district area. The channeling strategy has advantage because it does not need big initial investment so the capital can be disbursed as loans effectively. This strategy will be implemented primarily to BPR bank that has broad coverage and low of NPL. The acquisition strategy has advantages in terms of fully authority of head office to control loans quality of the branch offices. This strategy can expand its loans by the existing infrastructure and resources of BPR acquired.  Keywords: SME lending, acquisition, expansion strategy
Interbank Lending Decisions in An Economic Downturn: An Agent-Based Approach Koesrindartoto, Deddy P.; Novanto, Erdi
The Asian Journal of Technology Management (AJTM) Vol 4, No 1 (2011)
Publisher : School of Business and Management Institut Teknologi Bandung

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Abstract

Interbank lending is one mechanism that can make shock, which is accepted by one bank spread to other banks (contagion). There are several researchers that focused their research on analyzing the effect of interbank lending to systemic risk. However, there is a few research that analyzed the effect of banks’ decision maker’s behavior, especially on the bank interbank lending to the systemic risk. In this research, the author creates an agent-based  simulation of the banking system to analyze the effect of banks’ decision maker’s behavior to systemic risk in economic downturn condition. The preliminary result from this research is for an economic downturn in a long time period, the banking system with a low net worth to the assets ratio threshold will produce more default bank than the banking system with a high net worth to the assets ratio threshold. However, for an economic downturn in small time period, banking system which all bank in their system has the higher net worth to assets ratio threshold will have the default bank first than the banking system which has the lower net worth to the assets ratio threshold. Keywords: agent-based simulation, banker behavior, interbank lending, economic downturn
Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN Case Koesrindartoto, Deddy P.; Pratiwi, Mega
The Asian Journal of Technology Management (AJTM) Vol 3, No 1 (2010)
Publisher : School of Business and Management Institut Teknologi Bandung

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Abstract

In Indonesia, small and medium enterprises (SME) have experienced 68% growth in 2008 and47% growth in 2007. The simple structure made it able to respond quickly to changingeconomic conditions and meet local customers’ needs, growing sometimes into large andpowerful corporations or failing within a short time of the firm’s inception. Unfortunately,lack of access to finance has been cited as an important problem for SMEs, being theconstraint in the creation, development or diversification of their economic activities. Lendinginstitution such as banks conduct an intensive assessment (usually called credit scoring) tofind out the creditworthiness of applicants in order to mitigate the risk. This paper,“Collectability Analysis in Small and Medium Enterprise”, is purposed for creatingappropriate credit scoring model to support the judgmental analysis approach in small andmedium enterprise, finding out how generic and plafond-specific variables affect thecollectability of the debtors from different plafond level (< Rp. 500 Million and > Rp. 500Million), and providing early detector for the bank to predict about future loan performanceof its debtors, thus the bank can be more careful in selecting qualified debtors.Key words: small and medium enterprises, credit rating, loan plafond, collectability, genericvariables, plafond-specific variables.
Identifying the Entrepreneurship Characteristics of the Oil Palm Community Plantation Farmers in the Riau Area Asmit, Brilliant; Koesrindartoto, Deddy P.
Gadjah Mada International Journal of Business Vol 17, No 3 (2015): September-December
Publisher : Master of Management, Faculty of Economics and Business, Universitas Gadjah Mada

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Abstract

Oil palm is an essential and strategic commodity in the Riau area because of its considerable role in supporting the peoples’ economy, especially for plantation farmers. Oil palm plantation activities have brought economic impacts to society there, both for the people who are directly involved with the plantations and for their surrounding communities. This regional advantage is a facility for farmers to be able to develop their farms as plantations. The aims of this research are to identify the entrepreneurship characteristics of the oil palm farmers, and also to identify the entrepreneurship characteristics that differentiate the farmers, as seen from their business’ achievements. The research used a grounded theory approach to identify the characteristics of oil palm farmers systematically. The sampling method used for the research was theoretical sampling, which is data gathering driven by the concepts derived from the theory of previous entrepreneurship characteristics studies. The research object is the oil palm farmers in Riau, Indonesia. The results of the analysis identified the entrepreneurship characteristics of the oil palm farmers, they are growth oriented, risk-taking, innovative, with a sense of personal control, self confident, and cooperative. But, among the characteristics, only the characteristic of their cooperation did not differentiate the oil palm farmers in the achievement of their business activities.
Identifying the Entrepreneurship Characteristics of the Oil Palm Community Plantation Farmers in the Riau Area Asmit, Brilliant; Koesrindartoto, Deddy P.
Gadjah Mada International Journal of Business Vol 17, No 3 (2015): September-December
Publisher : Master in Management, Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (341.926 KB) | DOI: 10.22146/gamaijb.8500

Abstract

Oil palm is an essential and strategic commodity in the Riau area because of its considerable role in supporting the peoples’ economy, especially for plantation farmers. Oil palm plantation activities have brought economic impacts to society there, both for the people who are directly involved with the plantations and for their surrounding communities. This regional advantage is a facility for farmers to be able to develop their farms as plantations. The aims of this research are to identify the entrepreneurship characteristics of the oil palm farmers, and also to identify the entrepreneurship characteristics that differentiate the farmers, as seen from their business’ achievements. The research used a grounded theory approach to identify the characteristics of oil palm farmers systematically. The sampling method used for the research was theoretical sampling, which is data gathering driven by the concepts derived from the theory of previous entrepreneurship characteristics studies. The research object is the oil palm farmers in Riau, Indonesia. The results of the analysis identified the entrepreneurship characteristics of the oil palm farmers, they are growth oriented, risk-taking, innovative, with a sense of personal control, self confident, and cooperative. But, among the characteristics, only the characteristic of their cooperation did not differentiate the oil palm farmers in the achievement of their business activities.
The Impacts of Emission Reduction Targets in Indonesia Electricity Systems Irsyad, Muhammad Indra al; Halog, Anthony; Nepal, Rabindra; Koesrindartoto, Deddy P.
Indonesian Journal of Energy Vol 2 No 2 (2019): Indonesian Journal of Energy
Publisher : Purnomo Yusgiantoro Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33116/ije.v2i2.42

Abstract

Climate change policy often contradicts the least-cost objective of electricity generation in developing countries. The objective of our study is to propose electricity generation mixes that can meet emission reduction targets in Indonesia. We estimate the optimal generation mix, costs, and emissions from three scenarios, namely existing power plant planning, and 11% and 14% emission reductions in Indonesia?s electricity sector. The estimations are based on linear programming, input-output analysis, and life-cycle analysis, integrated into an agent-based modeling (ABM) platform. The simulation results confirm the existing power plant planning, which is dominated by coal-based power plants, as the lowest-cost scenario in the short-term; however, this scenario also produces the highest emissions. Emission reduction scenarios have lower emissions due to a higher share of renewables and, therefore, the Indonesian electricity system is robust from fossil fuel price increases. In the long-term, costs incurred in the emission reduction scenarios will be lower than electricity generation costs under the existing power plant planning. Our findings should be a basis for re-evaluating energy policies, power plant planning, and the research agenda in Indonesia. Keyword: linear programming, agent-based modelling (ABM), input-output analysis, life-cycle analysis