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MACRO ECONOMICS FACTORS AND BANK LENDING BEHAVIOUR IN INDONESIA Rokhim, Rofikoh; Rusli, Yinylia
Economic Journal of Emerging Markets Vol 4, No 2 (2012): ECONOMIC JOURNAL OF EMERGING MARKETS
Publisher : Universitas Islam Indonesia

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Abstract

AbstractThis study examines the influencing macro economics factor in lending distribution and observes the comparison of each factor based on lending type which are investment, working capital and domestic consumption lending. Using data of Indonesian commercial banks between 2003-2011 and a balanced panel method, it finds that bank liquidity and inflation rate have significant negative effect, while number of banks has strong positive influence to stimulate lending distribution. Moreover, saving rate and GDP growth were found not meaningfully contributed to change investment lending distribution, but they significantly influenced the other lending distribution. Lastly, reserve requirement and exchange rate did not significantly influence all lending type.Keywords: Loan, interest rate, growth, GDP.JEL Classification Numbers: G21, E43, E51AbstrakStudi ini meneliti faktor ekonomi makro yang mempengaruhi distribusi pinjaman dan mengamati perbandingan masing-masing faktor berdasarkan jenis pinjaman yaitu pinjaman investasi, modal kerja dan konsumsi. Dengan menggunakan data dari bank-bank komersial di Indonesia antara 2003-2011, dengan menggunakan analisis data panel, ditemukan bahwa likuiditas perbankan dan tingkat inflasi berpengaruh negatif signifikan, sedangkan jumlah bank berpengaruh positif dan kuat untuk mendorong distribusi pinjaman pada semua jenis pinjaman. Selain itu, tingkat tabungan dan pertumbuhan PDB ditemukan tidak bermakna dalam kontribusinya untuk mempengaruhi distribusi kredit investasi, tetapi secara signifikan mempengaruhi distribusi pinjaman lainnya. Terakhir, GWM dan nilai tukar tidak signifikan mempengaruhi semua tiga kategori jenis pinjaman. Keywords: Loan, interest rate, growth, GDPJEL Classification Numbers: G21, E43, E51
ANALISIS MODEL 4As PADA KESEDIAAN MENGGUNAKAN KREDIT USAHA RAKYAT Rokhim, Rofikoh; Mayasari, Iin
Jurnal Kawistara Vol 8, No 1 (2018)
Publisher : Sekolah Pascasarjana UGM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/kawistara.32171

Abstract

The development of the business world is not only dominated by big business actors, but also medium, small, and even micro. These micro-scale business actors are given the opportunity to thrive. People Business Credit Program (Kredit Usaha Rakyat) is applied as an innovative product that is specifically for micro entrepreneurs. This research aims to study four approaches of availability, affordability, awareness, and acceptability to analyze the willingness of using microfinance credit. This research uses a quantitative approach and multiple regression for the data analysis. The long-term goal of this research is to provide input for higher decision makers, companies, and local governments to develop better welfare and partnership strategies. This research found that the willingness of using microfinance credit was influenced by availability, awareness, and willingness to accept, except of affordability variable.
THE EFFECT OF OWNERSHIP STRUCTURE AND CASH FLOW TO THE NON-FINANCIAL FIRMS’ DIVIDEND PAYOUT RATIO LISTED IN IDX Putri, Regina Aria; Rokhim, Rofikoh
MIX: JURNAL ILMIAH MANAJEMEN Vol 6, No 2 (2016): MIX: Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (699.635 KB)

Abstract

Abstract. The aim of this study is to analyze the effect of ownership structure and cashflow to the non-financial firms’ dividend payout ratio listed in Indonesian StockExchange (IDX). The samples of this study are 63 firms over the period 2009 – 2013.This study conducted in panel regression analysis using the random effect modelapproach. The result of regression found that largest shareholder and governmentownership give a positive effect to the payment of dividend. While institutionalownership and operating cash flow give a negative impact to the payment of dividend.Keywords: dividend, ownership structure, cash flowAbstrak. Penelitian ini bertujuan untuk menganalisis pengaruh ownership structuredan cash flow terhadap dividend payout ratio pada perusahaan non-keuangan yangterdaftar di Indonesia Stoack Exchange (IDX). Sampel penelitian ini adalah 63perusahaan dengan periode penelitian tahun 2009 – 2013. Penelitian ini dilakukandengan menggunakan panel regression analysis dengan pendekatan random effectmodel. Hasil regresi menunjukkan bahwa largest shareholder dan governmentownership memberikan pengaruh positif yang signifikan terhadap pembayaran dividen.Sementara institutional ownership dan operatingcash flow memberikan pengaruh negatif yang signifikan terhadap pembayaran dividen.Kata kunci: dividen, struktur kepemilikan, arus kas
MACRO ECONOMICS FACTORS AND BANK LENDING BEHAVIOUR IN INDONESIA Rokhim, Rofikoh; Rusli, Yinylia
Economic Journal of Emerging Markets Volume 4 Issue 2, 2012
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

AbstractThis study examines the influencing macro economics factor in lending distribution and observes the comparison of each factor based on lending type which are investment, working capital and domestic consumption lending. Using data of Indonesian commercial banks between 2003-2011 and a balanced panel method, it finds that bank liquidity and inflation rate have significant negative effect, while number of banks has strong positive influence to stimulate lending distribution. Moreover, saving rate and GDP growth were found not meaningfully contributed to change investment lending distribution, but they significantly influenced the other lending distribution. Lastly, reserve requirement and exchange rate did not significantly influence all lending type.Keywords: Loan, interest rate, growth, GDP.JEL Classification Numbers: G21, E43, E51AbstrakStudi ini meneliti faktor ekonomi makro yang mempengaruhi distribusi pinjaman dan mengamati perbandingan masing-masing faktor berdasarkan jenis pinjaman yaitu pinjaman investasi, modal kerja dan konsumsi. Dengan menggunakan data dari bank-bank komersial di Indonesia antara 2003-2011, dengan menggunakan analisis data panel, ditemukan bahwa likuiditas perbankan dan tingkat inflasi berpengaruh negatif signifikan, sedangkan jumlah bank berpengaruh positif dan kuat untuk mendorong distribusi pinjaman pada semua jenis pinjaman. Selain itu, tingkat tabungan dan pertumbuhan PDB ditemukan tidak bermakna dalam kontribusinya untuk mempengaruhi distribusi kredit investasi, tetapi secara signifikan mempengaruhi distribusi pinjaman lainnya. Terakhir, GWM dan nilai tukar tidak signifikan mempengaruhi semua tiga kategori jenis pinjaman. Keywords: Loan, interest rate, growth, GDPJEL Classification Numbers: G21, E43, E51
PENGARUH PENJAMINAN SIMPANAN, CAR, DAN NPL PADA TINGKAT DEPOSIT, RISIKO MORAL HAZARD, DAN NIM Rokhim, Rofikoh; Wulandary, Nevya
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 17, No 4 (2013)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (533.253 KB) | DOI: 10.24034/j25485024.y2013.v17.i4.115

Abstract

Banking industry plays a very important role in Indonesian economy. Therefore, stability of banking system is considered substantial by the government. Bank Indonesia (BI), the central bank; Indonesia Deposit Insurance Corporation (LPS) and Financial Services Authority (FSA) seeks to preserve the stability of banking system using policy of capital adequacy ratio (CAR), the maximum limit of non-performing loan (NPL) and the obligations to become member of deposit insurance. This study wants to examine whether these regulations affect the level of deposits, moral hazard risk and the net interest margin (NIM) in Indonesian commercial banks in the period 2000-2012. Using a sample of 99 commercial banks with panel data regression method, the result demonstrate implementation of deposit insurance negatively but not significantly affect level of commercial bank deposits while variable CAR and NPL is giving negative and significant effect. Implementation of deposit insurance proved increasing moral hazard risk while variable CAR and NPL have negative and significant effect on the moral hazard risk. Other findings showed implementation of deposit insurance and CAR positively but insignificant affect NIM, but negatively and significant influenced by NPL.
THE EFFECT OF OWNERSHIP STRUCTURE AND CASH FLOW TO THE NON-FINANCIAL FIRMS’ DIVIDEND PAYOUT RATIO LISTED IN IDX Putri, Regina Aria; Rokhim, Rofikoh
MIX: JURNAL ILMIAH MANAJEMEN Vol 6, No 2 (2016): MIX: Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (699.635 KB)

Abstract

Abstract. The aim of this study is to analyze the effect of ownership structure and cashflow to the non-financial firms’ dividend payout ratio listed in Indonesian StockExchange (IDX). The samples of this study are 63 firms over the period 2009 – 2013.This study conducted in panel regression analysis using the random effect modelapproach. The result of regression found that largest shareholder and governmentownership give a positive effect to the payment of dividend. While institutionalownership and operating cash flow give a negative impact to the payment of dividend.Keywords: dividend, ownership structure, cash flowAbstrak. Penelitian ini bertujuan untuk menganalisis pengaruh ownership structuredan cash flow terhadap dividend payout ratio pada perusahaan non-keuangan yangterdaftar di Indonesia Stoack Exchange (IDX). Sampel penelitian ini adalah 63perusahaan dengan periode penelitian tahun 2009 – 2013. Penelitian ini dilakukandengan menggunakan panel regression analysis dengan pendekatan random effectmodel. Hasil regresi menunjukkan bahwa largest shareholder dan governmentownership memberikan pengaruh positif yang signifikan terhadap pembayaran dividen.Sementara institutional ownership dan operatingcash flow memberikan pengaruh negatif yang signifikan terhadap pembayaran dividen.Kata kunci: dividen, struktur kepemilikan, arus kas
Business Model and Bank Risk in Indonesian Islamic Bank Anggaredho, Panji Patra; Rokhim, Rofikoh
Asia-Pacific Management and Business Application Vol 5, No 3 (2017)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2017.005.03.2

Abstract

This study aimed to analyze the relationship between business model of banks risk in Islamic banks in Indonesia. Bank risk is represented by Z-score, while business model is represented in two ways, namely the portion of fee based income in income structure and the portion of non deposit funding in funding structure. This study analyzed panel data observed through the data 33 Islamic banks in Indonesia in 2005 to 2015. The results of this study concluded that the overall size of data portion of fee based income effect on the risk of bank, while the magnitude of portion of non deposit funding is not effect on banks risk. Then, for robustness checks, We conducted a regression between variables to categorize Islamic banks into large and small Islamic banks. In the category of large banks, both fee based income and non deposit funding did not affect bank’s risk, while for banks categorized as small, the magnitude of portion of fee based income has an influence on risk of bank, while the magnitude of portion of non deposit funding has no effect the banks risk.
Comparative economic value added on Southeast Asian banking industry Dewanti, Lintang; Rokhim, Rofikoh
Economic Journal of Emerging Markets Volume 9 Issue 1, 2017
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol9.iss1.art8

Abstract

This study analyses the banks performance comparison across countries in some ASEAN members which are listed in the stock exchange, as well as to analyse the influence of Economic Value Added (EVA) and some financial ratios on the company stock return. Analysis suggests some results. In Indonesia, Thailand and the Philippines, the movement of EVA follows the movement of Gross Domestic Product (GDP). This study also finds that Earning per Share (EPS), only in Singapore, and Return on Equity (ROE) and Return on Assets (ROA), only in the Philippines, have an influence on stock return. Only in the Philippines where EVA together with ROA has an effect on stock return.
Foreign Ownership and Bank Performance: Evidence From Indonesia Hapsari, Amarilla; Rokhim, Rofikoh
Jurnal Dinamika Manajemen Vol 8, No 1 (2017): March 2017 (DOAJ Indexed)
Publisher : Department of Management, Faculty of Economics, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v8i1.10409

Abstract

The main objective of this study is to examine the impact of foreign entry on the domestic bank-ing markets profitability and overhead costs as financial sector FDI is a relatively new phenom-enon and typically takes the form of banks in industrialized countries establishing branches and facilities in developing countries. A panel data covering the period from 2000 to 2012 is set based on the financial data from 82 commercial banks, which operated in Indonesia as of De-cember 2012 and represented 92 percent of the commercial banks total assets. The results of this study are expected to complement the existing collection of studies on the foreign penetra-tion in the Indonesian banking industry, as to date there has been limited study of the impact of foreign ownership on bank performance in Indonesia. From a policy perspective, this study draws some conclusions which clarify the impacts of foreign penetration on banking industry. The government should continue to open the banking market up to foreign investors if they are proven to bring a positive impact, and should act conversely if they are proven to have an adverse impact on the local banking sector.
Corruption and Government Intervention on Bank Risk-Taking: Cases of Asian Countries Nurhidayat, Rizky Maulana; Rokhim, Rofikoh
Jurnal Dinamika Manajemen Vol 9, No 2 (2018): September 2018 (DOAJ Indexed)
Publisher : Department of Management, Faculty of Economics, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (382.126 KB) | DOI: 10.15294/jdm.v9i2.15951

Abstract

This paper aims to addresses the impact of corruption, anti-corruption commission, and government intervention on bank’s risk-taking using banks in Asian Countries such as  Indonesia, Malaysia, Thailand, and South of Korea during the period 1995-2016. This paper uses corruption variable, bank-specific variables, macroeconomic variables, dummy variables and interaction variable to estimate bank’s risk-taking variable. Using data from 76 banks in Indonesia, Malaysia, Thailand and South Korea over 21 years, this research finds consistent evidence that higher level of corruption and government intervention in crisis-situation will increase the risk-taking behaviour of banks. In the other hand, bank risk-taking behaviour minimized by the existence of anti-corruption commission. In addition, this paper also finds that government intervention amplifies corruption’s effect on bank’s risk-taking behaviour because of strong signs of moral hazard and weaknesses in the governance and supervision.