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"Penelitian ini bertujuan untuk menganalisis pengaruh struktur kepemilikan, siklus bisnis dan moderasi dari struktur kepemilikan pada pengaruh siklus bisnis terhadap profitabilitas bank di Indonesia yang diukur dengan ROA, ROE dan NIM. Berdasarkan hasil estimasi dengan menggunakan system GMM, hasil penelitian menunjukkan bahwa bank regional memiliki kinerja profitabilitas yang lebih tinggi dibandingkan bank lainnya, kinerja profitabilitas industri perbankan di Indonesia cenderung mengikuti siklus bisnis (procyclical). Profitabilitas bank pemerintah cenderung bergerak procyclical sedangkan profitabilitas bank swasta asing bergerak countercyclical.

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This research aimed to examine the impact of ownership structure, business cycle and moderating effect of ownership structure on the influence of business cycle toward profitability, which measured by ROA, ROE and NIM. Based on the estimation result by using system GMM, regional banks are more profitable than other banks and the Indonesian banking profitability tend to follow the business cycle (procyclical). Public banks? profitability tends to follow the business cycle, while there is countercyclicality of foreign banks? profitability."

"Negara bukan satu-satunya aktor untuk dapat mencapai kesejahteraan, perusahaan diharapkan dapat berkontribusi melalui program CSR. Salah satu perusahaan yang berpartisipasi melaksanakan CSR adalah Bank Mandiri Taspen yang bergerak pada usaha bidang perbankan yang berfokus pada segmen UMKM dan pensiunan. Metode yang digunakan pada karya akhir ini adalah tinjauan literatur yang kemudian dianalisis secara deskriptif. Tujuan dari tinjauan pustaka ini adalah untuk mendeskripsikan teori dan informasi terkait baik dari masa lalu maupun saat ini, serta mengorganisasikan sumber-sumber pustaka tersebut sesuai dengan topik penelitian yang bersangkutan. Program CSR Bank Mandiri Taspen 2018 menerapkan konsep Triple Bottom Line, yaitu Profit, People, dan Planet. Dalam kaitan dengan keilmuan kesejahteraan sosial, penelitian ini berfokus pada analisis program CSR Bank Mandiri Taspen di aspek People dan aspek Planet dengan beberapa kegiatan yang dilakukannya.

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The state is not the only actor to achieve prosperity, companies are expected to contribute through CSR programs. One of the companies participating in implementing CSR is Bank Mandiri Taspen which operates in the banking sector focuses on the MSME and retiree segments. The method used in this work is a literature review which is then analyzed descriptively. The purpose of this literature review is to describe theories and related information from both the past and present, as well as organizing paper and document sources according to the research topic. Bank Mandiri Taspen 2018 CSR Program applies the Triple Bottom Line concepts: Profit, People and Planet. Thus, related to social welfare studies, this research focuses on the analysis of Bank Mandiri Taspen CSR programs, specifically related to People and Planet aspects."

"ABSTRAKPenelitian ini membahas latar belakang Bank Indonesia melaksanakan kegiatan corporate social responsibility (CSR) dan pelaksanaan dari CSR tersebut. Bank Indonesia diketahui melaksanakan CSR secara voluntary dan menjalankan CSR tidak berdasarkan regulasi yang mengikat, namun tetap menjalankannya dengan cukup baik.Teori yang digunakan dalam penelitian ini adalahteori CSR, teori good governance dan teori good corporate governance. Penelitian dilakukandengan menggunakan paradigma kualitatif, melalui wawancara mendalam danstudi dokumen. Berdasarkan penelitian yang dilakukan, peneliti memperoleh hasilbahwa latar belakang serta alasan Bank Indonesia melakukan CSR adalah moral obligation dan reputation. Selain itu juga untuk memenuhi tiga aspek pendukung tugas pokok BI, yaitu ekonomi, sosial, dan politik. Pelaksanaan CSR di BI meliputi beberapa tahapan, analisa situasi, perencanaan, pelaksanaan, evaluasi, dan pelaporan. Pelaksanaan tersebut berdasarkan oleh tiga faktor, yaitu keterpaksaan, memenuhi kewajiban, dan internal driven.

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ABSTRACTThis research discusses background and reasons why Bank Indonesia formulates and implements corporate social responsibility and the practice in Bank Indonesia. Bank Indonesia did CSR voluntarily and didn?t had any regulations chained. Researcher uses CSR theory, good governance theory, and good corporate governance theory as relevant concepts. By using qualitative paradigm and in-depth interview as well as literature study, researcher find that the implementation of CSR by Bank Indonesia is consists of several reasons. Moral obligation, reputation, and fulfillment of three aspects that effects BI main function. Besides that, there are some factors affecting the practice, external factors, as an effort for obligations, and internal driven. As for the practice consists of several steps, first is situation analysis, planning, implementing, evaluating, and reporting."

"Kemajuan teknologi menyebabkan peningkatan produktivitas dan mendorong efisiensi dalam berbagai aspek kehidupan, termasuk sektor perbankan. Semakin efisien dan produktif suatu bank akan meningkatkan kapasitas bersaing dan menguasai pasar, sehingga diharapkan akan meningkatkan profitabilitas bank. Temuan empiris menunjukkan bahwa sebagian besar bank telah menjadikan adopsi teknologi perbankan digital sebagai strategi utama yang diterapkan. Penelitian ini bertujuan menganalisis pengaruh transformasi digital terhadap profitabilitas bank di Negara Berkembang ASEAN, diantaranya Indonesia, Malaysia, Thailand, Filipina, dan Vietnam. Objek penelitian terdaftar di Bursa Efek serta memiliki kelengkapan data laporan keuangan dan laporan tahunan dari tahun 2013 hingga 2022, yang kemudian diperoleh sampel sebanyak 75 bank. Variabel dependen adalah Profitabilitas Bank yang diukur menggunakan ROA, ROE, dan NIM, sedangkan variabel independen berupa Transformasi Digital, serta terdapat variabel kontrol berupa Diversifikasi Pendapatan, Tingkat Pertumbuhan PDB, Rasio Ekuitas terhadap Aset, Total Aset, dan Rasio Hutang terhadap Aset. Dengan menggunakan regresi Fixed Effect Model, ditemukan bahwa terdapat pengaruh signifikan pada level 1% antara Transformasi Digital terhadap Profitabilitas Bank, dimana pengaruh ini memiliki arah yang negatif.

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Technological advances lead to increased productivity and encourage efficiency in various aspects of life, including the banking sector. The more efficient and productive a bank will increase its competitive capacity and dominate the market, it is hoped that this will increase the bank's profitability. Empirical findings show that most banks have made the adoption of digital banking technology the main strategy implemented. This research aims to analyze the influence of digital transformation on bank profitability in ASEAN emerging countries, including Indonesia, Malaysia, Thailand, Philippines, and Vietnam. The research object is registered on the Stock Exchange and has complete financial report data and annual reports from 2013 to 2022, from which a sample of 75 banks was obtained. The dependent variable is Bank Profitability which is measured using ROA, ROE, and NIM, while the independent variable is Digital Transformation, and there are control variables in the form of Income Diversification, GDP Growth Rate, Equity to Asset Ratio, Total Assets, and Debt to Asset Ratio. By using Fixed Effect Model regression, it was found that there was a significant influence at the 1% level between Digital Transformation and Bank Profitability, where this influence had a negative direction."

"Sektor UMKM merupakan salah satu sektor yang berperan penting dalam perekonomian sebuah negara, khususnya negara berkembang. Namun, salah satu hambatan bagi UMKM sendiri adalah masalah pada pembiayaan pada sektor UMKM. Bank Indonesia sendiri telah mengeluarkan peraturan Bank Indonesia 2015 tentang Penyaluran Kredit UMKM yang menyatakan bahwa di tahun 2018 setiap bank umum harus menyalurkan proporsi kredit UMKM sebesar 20% dari total seluruh kredit. Ternyata, angka NPL dan DPK mempengaruhi penyaluran kredit UMKM. Model regresi data panel digunakan untuk menjawab pertanyaan ini. Proyeksi penyaluran kredit UMKM di tahun 2018 adalah kelompok Bank Asing dan Bank Campuran masih sangat jauh dari target yang telah ditentukan.

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Micro, Small, Medium Enterprise (MSME) is one of the most important sector in economy of a country, especially for developing countries. But one of the biggest obstacle to reach that is about financing for MSMEs. Bank Indonesia itself has already launched the regulation called Peraturan Bank Indonesia (PBI) 2015. It is about the target that all of commercial bank must obey the rule that they have to allocate 20% of the total credit for MSMEs loan. The results are Non Performing Loan (NPL) and Dana Pihak Ketiga (DPK) affect the credit supply for MSMEs. Panel regression model is used to answer this question. Moreover, the projection shows that Foreign Bank and Joint-Venture Bank has still so many to go to reach the target."

"ABSTRAKBisnis perbankan tidak bisa terpisahkan dari teknologi informasi untuk mampu bersaing secara kompetitif. Tuntutan nasabah akan kemudahan layanan dan transaksi yang murah mengharuskan kehandalan aplikasi perangkat lunak yang dipergunakan. Kehandalan tersebut tentu didukung dengan kualitas aplikasi yang baik.Kualitas aplikasi perangkat lunak yang baik hanya bisa terwujud jika pengujian atas aplikasi perangkat lunak juga memadai. Penelitian ini berupa assesment atas proses pengujian perangkat lunak sehingga akan diperoleh pemetaan kondisi yang ada terhadap frameworkTest Process Improvement-Next yang menjadi acuan dalam proses assesment, key area yang masih memiliki kelemahan, prioritas perbaikan dan action plan yang direkomendasikan.Penulis mengambil kesimpulan bahwa maturity level atas proses pengujian perangkat lunak di tempat studi kasus adalah level Initial. Terdapat beberapa key area dalam proses pengujian perangkat lunak yang membutuhkan perbaikan untuk mencapai maturity level-Controlled antara lain Degree of Involvement, Test Strategy, Reporting, Test Environment, Test Profesionalism dan Test Tools. Perbaikan atas keenam key area tersebut meliputi sembilan checkpoint seperti tersebut dalam Test Maturity Matrix dengan urutan prioritas yang mengikuti metode process driven dalam Test Process Improvement - Next.Kata Kunci: assesment, action plan, framework, kualitas, key area, Test Process Improvement-Next, , maturity level, pengujian perangkat lunak, Test Maturity Matrix.

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ABSTRACTBanking business can not be separated from information technology in order to be able to compete competitively. Customers requireeasy transaction services and low transaction costso that software application’s reliability is a must. Reliability certainly needs support from good quality applications. The quality of a good software application can only be achieved if the testing of application software is also adequate.This work consist of the assessment of software testing process that results in the mapping of existing conditions toTest Process Improvement-Next framework(as the reference in the assessment process), key areas that still have weaknesses, priorities and action plan improvements recommended.The author concludes that the maturity level of the software testingprocess in this case study is in the initial level. There are several key areas in the process of software testing that need improvement to achieve maturity level-Controlled such as Degree of Involvement, Test Strategy, Reporting, Test Environment, Test Profesionalism and Test Tools. Improvement on these six key area consist of nine checkpoints as mentioned in Test Maturity Matrix with priority follows process driven method of Test Process Improvement-Next.Key word :assesment, action plan, framework, quality, key area, Test Process Improvement-Next, , maturity level, software testing, Test Maturity Matrix."

"The research has purpose to examine the correlation between CAMEL as financial performance measurement of BPR according to Bank Indonesia regulation, and Economic Value Added (EVA) as the alternative financial performance measurement for banking. Susyanti et al (2003) find EVA has a better potention than analytical ratio of CAMEL to measure bank financial performance,but Purwanti (1999) finds EVA can explain significanly about the dividing of some group of companies that have a good or bad financial performance. Saraswati (2004) finds analysis of bank according to CAMEL’s method is significanly different with EVA’s method. The sample of this research are 214 BPR in Central Java that published their financial statement period 2009 by the Bank Indonesia’s website. The research variables are EVA and CAMEL which measured by NPL (non performing loan), KPMM (Kewajiban Penyediaan Modal Minimum), LDR (Loan to Deposit Ratio) and ROA (Return on Assets). EVA is measured by categorical, positive and negative, according to Young and O’Byrne approach (2001), and NPL, KPMM, LDR, and ROA are measured by categorical, good performance and bad performance, according to Bank Indonesia regulation. The hypothesis are tested by chi-square and crosstab analysis.The result shows that financial performance of BPR are measured by NPL, KPMM, and ROA have significant correlation with EVA, but LDR has no correlation with EVA. According to the crosstab analysis, the research find that financial performance of BPR in NPL has negative correlation with EVA, and financial performance of BPR in ROA has positive correlation with EVA."