Hasil Pencarian  ::  Simpan CSV :: Kembali

"[Penelitian ini menguji pengaruh konsentrasi portofolio kredit bank terhadap profitabilitas efisiensi dan risiko kredit bank yang masing masing menggunakan proksi ROA BOPO serta NPL dan LLP selama periode 2010-2014. Penelitian ini menggunakan rasio Herfindahl Hirshmann Index HHI dan Absolute Distance Measure AD sebagai proksi konsentrasi kredit. Dengan menggunakan metode Fixed Effect Model dan sampel sebanyak 29 bank umum konvensional selama 5 periode ditemukan bahwa konsentrasi portofolio kredit berpengaruh signifikasn positif terhadap ROA bank dan berpengaruh signifikan negatif terhadap NPL LLP dan BOPO.

---

This research intend to examine the effect of loan portfolio concentration on Indonesian banks profitability efficiency and credit risk using banks ROA Cost Efficiency BOPO also NPL and LLP as the proxy for each variable over the period 2010-2014. This research incorporating the Herfindahl Hirshmann Index HHI and Absolute Distance Measure AD to measure loan concentration. Using Fixed Effect Model with sample size of 29 banks over the period of 5 years it is found that loan portfolio concentration is significantly positive affecting banks ROA and significantly negative affecting banks NPL LLP and Cost Efficiency., This research intend to examine the effect of loan portfolio concentration on Indonesian banks rsquo profitability efficiency and credit risk using banks rsquo ROA Cost Efficiency BOPO also NPL and LLP as the proxy for each variable over the period 2010 2014 This research incorporating the Herfindahl Hirshmann Index HHI and Absolute Distance Measure AD to measure loan concentration Using Fixed Effect Model with sample size of 29 banks over the period of 5 years it is found that loan portfolio concentration is significantly positive affecting banks rsquo ROA and significantly negative affecting banks rsquo NPL LLP and Cost Efficiency Keywords loan portfolio composition focus diversification bank return bank credit risk bank efficiency]"

"Tesis ini menganalisis independensi Standby L/C dengan fokus permasalahan pada sifat independensi Standby L/C terhadap fasilitas kredit sindikasi dan pandangan pengadilan terhadap sifat independensi Standby L/C terhadap fasilitas kredit sindikasi. Bentuk penelitian dalam tulisan ini ialah penelitian normatif. Standby L/C mempunyai sifat yang independen sesuai dengan Pasal 4 dan 5 UCP 600 dan Aturan 1.06 dan 1.07 ISP 98. Sesuai dengan sifat independensi Standby L/C maka dalam pelaksanaannya sebagai kontrak tidak boleh dikaitkan dengan pelaksanaan kontrak-kontrak lainnya yang terkait dengan penerbitan Standby L/C tersebut. Permasalahan yang terjadi pada kontrak-kontrak lain tersebut tidak boleh memengaruhi pelaksanaan Standby L/C. Dalam hal terdapat permasalahan dalam perjanjian kredit sindikasi, Standby L/C yang digunakan untuk menjamin pelaksanaan perjanjian kredit tidak boleh diintervensi dengan permasalahan yang terjadi dalam pelaksanaan perjanjian kredit sindikasi itu sendiri. Sifat Independensi Standby L/C terlihat dalam putusan Mahkamah Agung Nomor 1311 K/Pdt/2011 antara Sino Sandjaja dan PT Sedjati Internusa Overseas melawan Kepala Kantor Pelayanan Piutang dan Lelang Negara (KP2LN) Jakarta I, Tbk ex PT. Bank Bumi Daya (Persero) Pusat cq. PT. Bank Mandiri Pusat; serta Bumi Daya International Finance Limited (BDIF) dan juga terhadap kasus dalam Putusan Nomor : 41 / Pdt.G / 2012 / PN.Clp. antara Langdale Profits Limited melawan Gold Coin (C.I.) Limited, PT. Gold Coin Indonesia serta Gold Coin Services Singapore PTE., LTD., PT Panganmas Inti Persada. Dimana dalam dua kasus tersebut hakim berpandangan bahwa permasalahan dalam perjanjian kredit sindikasi tidak memengaruhi independensi Standby L/C.

---

This thesis analyzed the independence of Standby L/C focussed the problems on the independence principles of Standby L/C against the facility of syndicated loans and the court opinion towards the independence principles on the facility of syndicated loans. Research type in this writing is normative research. Standby L/C owned independence principles according to article 4 and 5 UCP 600 and rules of 1.06 and 1.07 ISP 98. Refer to the independence principles of Standby L/C, their applications as a contract might not be related with others contract applications. Any problems arise with the application of others contracts could not interfere the application of Standby L/C.. Whenever, if the problems comes on the facility of syndicated loans, the utility of Standby L/C for guarantee the application of syndicated loans might not be intervened with the rising problems on the application of syndicated loans itself. The independence principles of Standby L/C shown on the decision of Supreme Court of the Republic of Indonesia No.: 1311/K/Pdt/2011as the case of Sino Sandjaja and PT. Sedjati Internusa Overseas against The Head of State Board Claim and Auction Services (KP2LN) Jakarta I PT Bank Mandiri (Persero) Tbk (the late of PT Bank Bumi Daya (Persero), serta Bumi Daya International Finance Limited (BDIF) and another decision No.: 41/Pdt.G/2012/PN.Clp as the case of Langdale Profits Limited against Gold Coin (C.I.) Limited, PT. Gold Coin Indonesia, Gold Coin Services Singapore PTE., LTD., PT Panganmas Inti Persada. Whereas on above two cases, the judge decided the problems occurred on syndicated loans, it have no influence on the independence principles of standby L/C."

"Credit scoring merupakan sebuah metode analisis yang digunakan oleh pihak perbankan dalam menganalisis aplikasi kredit yang diajukan oleh nasabah. Adanya kemungkinan kredit yang default, kekurangan dari metode credit scoring yang umum digunakan, serta proses analisis aplikasi kredit yang tidak efisien dalam perbankan, mendorong pihak perbankan untuk terus mencari model credit scoring yang tepat. Untuk mengatasi permasalahan tersebut, diajukan sebuah model credit scoring yang dibentuk berdasarkan pada metode Bayesian Network yang bertujuan untuk mengelompokkan pemohon kredit ke dalam dua kelas, yaitu good creditor dan bad creditor. Tingginya tingkat akurasi model serta proses penggunaan yang sederhana membuktikan bahwa model yang dibentuk sangat efektif dalam mengatasi permasalahan yang dihadapi oleh pihak perbankan dalam melakukan credit scoring.

---

Credit scoring is an analysis method used by banks to analyze credit applications which filed by customers. The possibility of credit default, the drawbacks of common credit scoring method, and the inefficiency of credit analysis process by banks, encourage the banks to keep looking for the best credit scoring model. To overcome these problems, the development of credit scoring model based on Bayesian Network is proposed. The main objective of this model is to classify the applicants into two groups, which are good creditor and bad creditor. High rate of accuracy as well as simple application process prove that formed model is very effective in addressing the problems faced by the banks in credit scoring process."

"Penelitian ini bertujuan untuk mengetahui : (1) pengaruh pemberian kredit terhadap loan to deposit ratio di PT BPR Siliwangi Tasikmalaya; (2) pengaruh pemberian kredit dan loan to deposit ratio secara parsial terhadap pendapatan bunga bank PT BPR Siliwangi Tasikmalaya."

"Tesis ini membahas tentang Tower BTS dan Collocation sebagai jaminan kredit Bank. Penelitian ini adalah penelitian yuridis normatif. Hasil penelitian ini menyarankan agar pihak Bank perlu meminta kepastian dari debitur mengenai IMB dari lokasi dibangunnya Tower BTS dan Collocation agar pengikatan jaminan fidusia dapat dilakukan secara sempurna. Bank juga perlu melakukan pengecekan dengan seksama di Kantor Pendaftaran Fidusia supaya terdapat kejelasan apakah terhadap BTS dan Collocation tersebut sudah pernah dilakukan pengikatan fidusia sebelumnya, sehinga Bank dapat memperoleh kedudukan yang diutamakan dibandingkan kreditur lainnya apabila terjadi eksekusi di kemudian hari.

---

This thesis discusses BTS Tower and Collocation as loan collateral. The results of this study suggest that the Bank needs to ask the debtor about the certainty of the IMB (Ijin Mendirikan Bangunan) of the location and construction of BTS Tower Collocation order binding fiduciary can be done perfectly. Banks also need to check carefully the Fiduciary Registration Office so that there is clarity as to whether the BTS and Collocation is binding fiduciary've ever done before, so that the Bank can obtain a preferred position over other creditors in the event of execution in the future."

"Studi meneliti pengaruh kinerja Environmental, Social, and Governance (ESG) terhadap rasio Non-performing Loan (NPL) bank dengan periode penelitian dari tahun 2012-2022 dengan 23 bank di ASEAN-5. Dengan menggunakan variabel Non-performing Loans (NPL) sebagai indikator untuk mengukur tingkat risiko kredit dan kinerja ESG yang diukur menggunakan ESG combined score, Environmental Pillar Score, Social Pillar Score, dan Governance Pillar Score. Penelitian menggunakan jenis regresi data pandel dengan metode estimasi robust fixed-effect model. Hasil menemukan bahwa kinerja ESG signifikan negatif mempengaruhi NPL bank. Hasil juga menunjukan bahwa semakin besar nilai dari kinerja ESG bank maka mampu menurunkan risiko kredit suatu bank.

---

The study examines the effect of Environmental, Social, and Governance (ESG) performance on the ratio of Non-performing Loans (NPL) of banks with a research period from 2012-2022 with 23 banks in the ASEAN-5. By using the Non-performing Loans (NPL) variable as an indicator to measure the level of credit risk and ESG performance as measured using the ESG combined score, Environmental Pillar Score, Social Pillar Score, and Governance Pillar Score. This study uses Pandel data regression with a robust fixed-effect model estimation method. The results find that ESG performance significantly negatively affects the bank's NPL. The results also show that the greater the value of a bank's ESG performance, the lower the credit risk of a bank."

"ABSTRAKPada prakteknya di Indonesia, kredit bermasalah pada perbankan dapat dibeli oleh berbagai pihak artinya terdapat macam-macam pembeli kredit bermasalah, misalnya perusahaan asing, Aset Manajemen Unit, Special Purpose Vehicle, dan lain sebagainya. Dalam kaitannya dengan proses Penundaan Kewajiban Pembayaran Utang, praktik jual beli dalam pasar sekunder bagi kredit bermasalah menemui permasalahan dalam hal menentukan kedudukan kreditur yang mendalilkan adanya utang yang berasal dari perjanjian jual beli kredit bermasalah. Skripsi ini hendak menjawab pertanyaan sederhana, bagaimanakah pengaturan terkait pihak-pihak yang dapat membeli kredit bermasalah? Metode penelitian yang digunakan adalah penelitian yuridis normatif. Penelitian ini menuai hasil dimana ternyata regulasi tidak mengatur secara tegas bagi pembeli kredit bermasalah untuk menjalankan usahanya di bidang-bidang usaha tertentu. Pasal 37 ayat (1) UU Perbankan juncto Pasal 6 Peraturan Bank Indonesia Nomor: 13/3/PBI/2011 tentang Penetapan Status dan Tindak Lanjut Pengawasan Bank juncto Pasal 8 ayat (2) huruf I Peraturan Otoritas Jasa Keuangan Nomor 15/POJK.03/2017 tentang Penetapan Status dan Tindak Lanjut Pengawasan Bank Umum, hanya mengatur bahwa kredit bermasalah dapat dijual kepada bank ataupun pihak lain. Selain itu, juga tidak terdapat pengaturan yang secara tegas mengizinkan ataupun melarang perusahaan asing untuk membeli kredit bermasalah.

---

ABSTRACTIn practice in Indonesia, non-performing loans in banks can be purchased by various parties, means there are various types of buyers for non-performing loan, such as foreign companies, Unit Management Assets, Special Purpose Vehicles, etc. In its relation to the suspension of debt payment obligation process, the sale and purchase practice on the secondary market for non-performing loan encountered problems in terms of determining the position of creditors who postulated the existence of debt originating from non-performing loan sale and purchase agreement. This undergraduate thesis wants to answer a simple question, how is the regulation regulates who are the parties that can buy non-performing loan? The research method used in this thesis is a normative juridicial research. This research reaps results that law do not explicitly regulate the buyers of non-performing loans to run their businesses in certain business fields. Article 37 paragraph (1) Banking Law juncto Article 6 Bank Indonesia Regulation Number: 13/3/PBI/2011 concerning Determination of Status and Follow-Up of Bank Supervision juncto Article 8 paragraph (2) point I Otoritas Jasa Keuangan Regulation Number: 15/POJK.03/2017 concerning Determination of Status and Follow-Up of Commercial Bank Supervision, only regulates that non-performing loans can be sold to banks or other parties. In addition, there is also no regulation that explicitly permit or prohibit foreign companies to buy non-performing loans.

"

"

Penyebab utama timbulnya lahan kritis, terutama di hulu daerah aliran sungai, adalah manusia. Mereka pada umumnya melakukan usaha tani lahan kering (tegalan) tanpa disertai dengan upaya konservasi. Jumlah lahan kritis itu terus meningkat setiap tahun. Departemen Kehutanan telah menyelenggarakan program rehabilitasi lahan dan konservasi tanah untuk menanggulanginya. Namun program ini tidak mungkin berhasil tanpa dukungan dan partisipasi dari masyarakat, khususnya mereka yang mengelola atau menguasai lahan di wilayah hulu daerah aliran sungai.

Dalam upaya menggalakkan dukungan dan partisipasi masyarakat itu, pemerintah telah mengadakan gerakan penghijauan, yang kemudian diperkuat dengan tenaga penyuluh kehutanan, dan didukung dengan pembuatan unit percontohan usaha tani pelestari sumber daya alam. Namun semuanya ini belum dapat membuat petani berswadaya dalam melaksanakan rehabilitasi lahan dan konservasi tanah. Maka kemudian diciptakan program kredit usaha tani konservasi (KUK), untuk mengatasi kekurangan modal di kalangan para petani lahan kering.

Penelitian ini berupaya meninjau pelaksanaan program KUK tersebut, dengan mengambil wilayah penelitian di Daerah Istimewa Yogyakarta, khususnya di Kabupaten Kulonprogo dan Gunungkidul.

Berdasarkan hasil observasi di Kulonprogo dan survai tanggapan petani di Gunungkidul, dapat diketahui bahwa petani masih belum mungkin berswadaya dalam upaya konservasi tanah, mengingat akan perhatiannya yang masih harus difokuskan pada upaya penanggulangan kehidupan ekonominya yang miskin. Program KUK yang sangat birokratis, dan sangat berorientasi pada kepentingan perbankan semata, justru menambah beban petani yang sudah tidak ringan. Padahal kebutuhan mereka akan modal tidak teratasi dengan KUK. Karenanya, petani terpaksa harus mencari Cara "gali lubang tutup lubang" untuk bisa membayar kembali hutangnya. Berdasarkan basil penelitian ini, disarankan agar konservasi di hulu daerah aliran sungai, diberi subsidi oleh pemerintah.

Daftar Kepustakaan : 23 (1982 - 1992) .

---

ABSTRACT

All sorts of reasons bringing about the degradation of land, mainly in the up land of watershed area, is homosapiens. They cultivated the dry land without considering the conservation principle, hence, the amount of critical land is increasing every year. The Department of Forestry has organized a Land ' Rehabilitation and Soil Conservation Program to cope with it. The program, however, will not succeed if the people, particularly the farmers who own and manage the land in the upland watershed area, do not support and actively participating.

To encourage support and participation of the people, The Department of Forestry manages greening movement by employing forestry instructor to develop demonstration plots where farmers learn by doing the water and soil conservation practices. Despite of lacking capital, farmers do not have the capacity to carry out land rehabilitation and soil conservation. To help the peasant carrying out the pro-gram, special loan has been given by the bank.

This research is trying to study the effect of loan to the conservation program in the Special Province of Yogyakarta, particularly in Kulonprogo District and Gunungkidul District.

Observing the implementation of loan program in Kulonprogo, and performing survey on farmer's response to the loan in Gunungkidul, this research finds some facts that farmers are still far from self-supporting in carrying out the land conservation. They still have to struggle for overcoming their poverty. As a matter of fact, the bureaucracy of the loan is oriented only to the benefit of the bank itself, so that the lack of capital among the farmers can not be solved. That is why, farmers must look for any alternative in-come to pay their debt. It is suggested that subsidy should be granted by the government for soil conservation on the up land of the watershed area.

Number of References : 28 (1982 to 1992)."

"ABSTRAKLaporan magang ini berisi tentang evaluasi atas proses pembayaran jasa dan material dengan kredit non tunai pada perusahaan konstruksi PT HHP. Evaluasi dilakukan dengan menilai kesesuaian praktik dengan prosedur, penilaian risiko, dan aktivitas kontrol pada proses pembayaran. Kriteria yang digunakan sebagai dasar evaluasi adalah prosedur pembayaran PT HHP, COSO Framework, dan teori sistem informasi akuntansi. Secara keseluruhan proses pembayaran menggunakan fasilitas kredit non tunai telah sesuai dengan praktiknya dan telah memperhitungkan risiko dengan baik.

---

ABSTRACTThis report contains an evaluation of the payment process of the services and materials with non-cash loans at the construction company PT HHP. The evaluation is performed by comparing between the practice and the procedures, risk assessment, and control activities in the payment process. The criteria used as a basis for evaluation are the payment procedures of PT HHP, COSO Framework, and accounting information system theory. As a whole, the payment process using non-cash loan facilities is in accordance with the practice and has considered any potential risks."